My brother took out a payday loan to cover him until his next installment of his student loan, my sister found out about it yesterday(he left his email open on her laptop). She paid off the payday loan and she is taking him our for dinner tonight because she wants to talk to him and to tell him not to suffer in silence again. When I told DH he laughed and said that he won't learn anything and that by being taken out he is benefitting from his irresponsibility and that my sister is a classic example of a fool and her money being easily parted.
I think that she did the right thing as he is only young (19) and that these companies appear to pray on the vulnerable (although I only know what I've seen in adverts).