Help me find the name of this book please?

I read this book a few years ago it’s a young adult book, it’s about a girl who’s a hairdresser and her name is ruby I think and she meets this girl who tries to copy her life and names herself Scarlett and gets a job where she works etc and it turns out ‘scarlett’ is a loan shark with her boyfriend or brother and in the book ruby is on the phone to someone upset about the situation she’s in, and it ends with the police arriving and stopping ‘scarlett’ 

Update:

He book is very similar to beautiful malice 

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