Following the news that the Medway Towns in Kent have the highest concentration of payday loan firms in Britain, ITV Meridian spoke to Guy Anker from MoneySavingExpert.com about the issue.
Phil Hornby began the interview by asking what alternative sources of funding there are for people who can not get loans from their banks.
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Another cold and frosty night lies ahead, but the winter sunshine prevails for Friday.
Staying cold and frosty with plenty of winter sunshine.
Plenty of sunshine for some, but a little more cloud in the east and feeling cold