Concerns over payday loans and debt
One more payday to go before Christmas and there is concern more people are getting into cycles of debt with payday loans - short term, unsecured amounts borrowed at a high rate of interest whether you get a wage or not.
Citizens Advice Scotland have released some interim figures for a new report which suggests the vast majority of people they see with payday loan problems are in work.
Backed up by other research, the claim is that people are using them for essentials, not luxuries.
Andrew Kerr reports.