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Well as least you got laid.

I agree in theory, but they will circumnavigate this through the use of admin fees, arrangement fees, and rearrangement fees. Odious entities, but there are a lot of stupid and desperate people out there. Wonga are a very smart bunch of cookies, their bad debt ratio is the envy of many other...

They meet a need. What people should be asking is why the alternatives (Bank lending and credit unions) have failed to offer short term finance to a section of society.