Citizens Advice urges OFT to use new powers to suspend immediately payday lenders' licences for causing distress
"...The problems uncovered by the charity include: firms charging excessive fees; continuing to take money when debts have been paid off; firms preventing customers from making repayments online or over the phone, then slapping them with a charge for late repayment.
The charity also said that the firms had been harassing customers with repeated telephone calls, text messages and emails, as well as chasing people for debts on loans when the individual had not applied for a loan in the first place..."
http://www.guardian.co.uk/money/2013/feb/15/force-payday-lenders-stop-trading Ignorance is bliss, bliss is happiness, I am happy...to draw your attention to the possible connectivity in the foregoing.