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How is that the fault of the lender? It's not like they hide their APR. In fact Wonga's whole advertising campaign is based on their "sliders" so you know exactly how much money you are going to have to pay back. I see it a bit like ticket touting, yes in an ideal world it wouldn't exist but...

But that is bollocks. Interest is capped after 60 days. I'm slightly biased as I do allot of work for many of the pay day loan companies. They really aren't the horror merchants people paint them to be and when used how they are intended to be used provide a very useful service to many people...