Payday loan tactics revealed by former loan 'insider'
6 December 2013 Last updated at 17:09 GMT
A payday loans industry insider has claimed people are being encouraged to borrow more money than they can manage to repay as they attempt to meet the cost of Christmas.
Andrew Smith, a former manager in the industry, told the BBC people were "routinely" lent more than they can afford.
But the Consumer Finance Association said restrictions stopped loans rolling over and costs mounting.