Been laid up all week and so have been watching a bit of daytime telly. Not something I do very often. All I can say is thank feck for a bit of Sky +! Anyway, watching the telly (bit of Top Gear on Dave, helps while away the time) I was semi watching all those ads there are for stupid people to send their gold to get enough cash to buy their next packet of fags or a litre of petrol with when one particular ad stood out. It was a company offering loans on your next pay packet. It wasn't so much what was being said, it was what was on the small print at the bottom of the screen. It said that the typical APR on these loans was....wait for it.....2356%! Now I actually thought that I had misread it, perhaps it was 23.56%. I suppose I could have amost accepted 235.6%, but no, upon doing a quick bit of research I found this on their website - "Terms and Conditions apply. Finance charge will be between Â£10 and Â£14.75 per Â£50 borrowed. Typical 2356% APR. â Loan amounts are based on consumer's credit history and ability to repay loan. Not everyone may qualify for Â£1500" Now I have very little sympathy for chavs in life, but these loans are only targeted an one particular segment of society, and these are the people who can probably least afford this sort of sharking. Surely this sort of thing should be illegal.