Payday loan companies in the UK especially have become under fire from some of the countries leading financial institutions in the last few months, some of the biggest companies who specialize in guaranteed payday loans have been under intense scrutiny with no end in sight. The office of fair trading in the UK have become especially critical of some of the biggest lenders in the industry scrutinizing every aspect of the day to day running of their websites. The government seems to have a real downer on these types of loans, but the biggest thing they need to remember is no one forces these people to get loans, no one puts a gun to their head or forces loans on them like the banks have done with their PPI payments, if anything payday loan lenders are helping people in financial difficulty when the banks would happily sit back and let you go under, it may be a higher than average APR but if you need the money there’s little choice left.