I'm never sure if it's a good thing.
On the one hand, they do away with the big fat man banging on peoples doors threatening to beat them up, and as someone said, banks aren't actually much better in some ways.

But . . . Isn;t it obvious that someone in such trouble as to need 300 quid a week before payday, is going to be worse off immediately. Even if it only costs £25, they're also behind the ball even further when they get paid.

They fill a need that it's a little depressing to know exists.
(username failed moderation, Wed 18 Apr 2012, 8:59, Reply)