A few of the worst problems identified included lenders not performing appropriate affordability checks before lending or rolling loans over - failing to describe satisfactorily how repayments may be collected - behaving vigorously to claw back debts and
"Payday lenders are getting up to half their revenue not from one-off loans, but from folded over or re-financed bargains where unforeseen costs may rapidly mount up."
"When buyers are in financial need (see more at http://archive.org/details/CashAdvanceLoansInstantApprovalForEveryone or
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