It's easy to dismiss pay day loans--and other high interest loan shark-type operations--what happened to provident ?-----if you have a good steady income--money in the bank etc.

I do

But--not always so. I remember being down to my last £1 coin--waiting for my wife's salary to go in.

But--it wasn't reckless spending--far from it. back in the day--I--along with 1,000's of others--had to resort to self-employed commission-only work--or the dole queue.

No steady salary--just endless waiting for a dribble of commission to filter through--sometimes not enough to pay my petrol. Welcome to my world