Unlicensed moneylender, who preys on the weakest and most vulnerable members of society, and ensures continued repayments by threatening to send round some thugs to rough up those who don't pay.
My monthly credit card payment was one day late and they charged me £20 wich took me 1 penny over my limit meaning they charged me an extra £20. Total was £40 because they said that paying via debit card meant that although my money had come out of my bank, they would not receive it for 3 days.