JUST because the Government has put millions of pounds aside for first-time buyers during this financial crisis, there is no guarantee that people won’t lose their property further down the road.

The same goes for small businesses. I think people should look after any money they have, and if they want to buy a house, or go into business, then wait and see what happens.

We could go into a double-dip recession, and if that happens people could lose their homes or businesses and fall into debt.

Besides, people need to know if there is help out there if they can’t keep up the payments on their home, or if their business starts to go downhill.

If they can’t get any guarantee, they shouldn’t bother putting your hard-earned cash at risk.

And, remember, loans have to be paid back.

P HOWARD, Brome Place, Barton Oxford