Are the lights going off?

I've said this before - the country does not have a coherent Energy policy. This helps confirm this.

Robbing the poor to pay the rich (to build windfarms) will not solve the problem.

Pay Day lenders OK

I think PayDay lenders are providing a service. Providing they make their Ts&Cs o-pen and up front surely you are entitiled to use your own judgement and use them or not.

Preferably why not use a Credit card or simply don't spend what you haven't got!

Cut down on things but the unexpected happens.

Credit Unions are a better alternative.

Anyone remeber the "Pru"?

Ther will always be the vulnerable and easily led but then the Loan Sharks could get them anyway.

Yes it need tight regulation but not banning.