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They allow customers to pay in small weekly chunks, repayable over several years.

“At the first available opportunity, the Government should carry out an impact assessment to establish whether legislative change would effectively address the consumer detriment caused by upfront fees in the credit brokerage sector both in the immediate and longer term, including considering a ban on credit brokers charging upfront fees”.

The Government declined to do this, saying that the new OFT guidance issued in response to the super-complaint should be given time to work.

It has had two years to work and I am still getting evidence of problems.

It took the 16-digit number, the security number and an application fee of £68.99. The majority of that money was taken within nine days of the initial approach.