I don't myself see why 'these services are necessary for thousands of people'. They have obviously been unable to husband their resources or live within their means (for whatever reason) and enticing them into further debt isn't 'necessary', it's cruel madness. Incurring high interest-debt to repay debt is plain daft. I'd be interested to see figures of those who haven't repaid the loan by 'Payday', and to learn what happens to them after that.