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I have taken out several short-term "payday" loans over the last 12 months. Due to financial difficulties, there were times when I was unable to pay back the loans on my next pay day so I deferred paying back the loan until the following pay day. In other words, I just paid the charges...

I have tried to do this by connecting my Xbox 360 to my laptop using an ethernet cable, then connecting to the internet (via an Orange mobile broadband dongle plugged into my laptop). I enabled sharing on my internet connection. My laptop uses Windows XP. Initially I did actually manage to do...