Amongst the Christmas TV stuff Sunny loans implored us to chill out, fear not, Sunny offer ‘life support’ – if, IF you take out one of their loans.

Let’s just be clear here – if you borrow £500 and take a year to pay it back, you’ll be paying back £6455 in interest. OK?

OK this is all common knowledge isn’t it? You merely need to peer down to the bottom-left bit of your screen, keep your eyes fixed there and you’ll see the APR plainly displayed for each and every one of those likely to be taken in, to jot it down, grab a calculator, work out all the stuff, and make Sunny loans a company that NEVER has any customers – it’s easy isn’t it?

What the hell are people supposed to do? What with new handbags needed so badly, latest phones arriving, fitness trackers making people so cool across our screens, pet insurance sold like you’ll be a murdering bastard if you think it unnecessary.

I really don’t know what all the fuss is about? Get into sufficient mess and you can ring-up “South Today” or “Points East” or post on Twitface that your son/daughter/lovely kitten is about to die of starvation; all because of these awful terrible loan people.  They just don’t care, do they?