With Christmas just around the corner, it's that time of year when statistics emerge to tell us how many people will fund their annual festivities with some form of short-term credit. This year, the Government-backed Money Advice Service has said that over a million people are considering using a payday loan to fund Christmas; a worrying indication of how deeply ingrained this form of high-cost credit has become in British life.
It's clear that nuisance calls and texts have become a daily problem for many people. They not only cause frustration, but they can even be distressing and intimidating. We've had more than 1,600 comments about nuisance calls and texts on our website and many of them had the same theme - 'why isn't something being done?' Our research also found that in the last three months, seven in 10 people received unsolicited calls and four in 10 an unwanted text.