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Pay Pal said research had shown that people in the UK owe billions of pounds through casual borrowing from friends, family or colleagues.

But people tended to give up on those debts, rather than pursuing them, according to the research.

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Users give people their ID — which can be sent as a link — which can then be clicked on and used as a depository for money.

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Cartloom also makes available to sellers optional add-on software for third party applications "Apps".

By installing or utilizing "Apps" provided by Cartloom you agree to these terms.