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Over the years I've noticed an abundance of payday and quick loan type businesses popping up. Generally they exist in areas where there is a larger cash economy. Often in parts of the city where folks do not have regular bank accounts, speak little English and don't trust banks, or where less than economically savvy people hang their hats. They wouldn't do well with a normal bank account because quite frankly they can't balance a check book. Whose fault is this, is there someone to blame? Why has this venue flourished while the regular banking sector taken such a hit in this last economic recession.
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Consumers who think about turning to payday loans for help should think twice before they borrow while questioning their ability to repay these high cost loans. These types of loan can be a tremendous shock to their already downtrodden budget.
All financial organisations that offer money lending services must adhere to a strict set of rules and regulations. These regulations are enforced by a government appointment financial governing body.