Vultures - just another of the many ways it costs you a lot to be poor. Yes, some people don't help themselves and use lenders for luxuries, but the likes of BH often put pressure on people to 'upsize' what they're buying with apparently low weekly costs - "Just think how much your kids would enjoy this" - and some of their customers will be vulnerable and not really able to comprehend the total price that they'll end up paying.
Even those who do understand full well that they'll be royally ripped off - if they don't have any other way of getting a new washing machine or fridge, they're pretty much stuffed. Yes, second-hand is always a good option and most stuff that we buy is SH, but even the logistics of getting something if you don't have your own transport can be a barrier, when the vulture companies will happily deliver it.
It's very easy to scoff at 'idiots' who use these companies, but if you've never been in a position of spiralling debt, unemployment, inability to work etc, you have no idea at all.
Having said that, though, the mainstream credit card companies charge a horrendous amount of interest for those not in a position to clear their balances each month or to keep doing 0% balance transfers. Whilst not in the league of the parasites mentioned above, charging 25-40% when the interest rate is so low, and they don't even pay anything to speak of (or at all) to savers, is disgusting.