[Margaret Pilkington]

BrightHouse is different, they rely on the fact that folk who are hard up and probably have a poor credit rating can get credit at exorbitant prices without any credit checks being done.

The Wonga.com loan thing is purely for a short term loan....where you know you are going to pay back the money in just a few days.......not months or years.
It is a business and businesses need to make money.

Yes Jaysay, I think we went to the same school of economics.......where the motto is 'If you can't pay, then you can't go'.
This method of financial prudence has served me well......and the credit card company make no money from me.......I pay up the whole amount the month it was spent.

It is soooo easy to get into debt though, and I am grateful that I have steered clear of that particular pitfall in life.