Geoff Brown, of Hampshire Credit Union, says the Office of Fair Trading guidelines make it clear there is "an overarching principle of fairness in dealing with people".
He says, based on the OFT's report, payday lenders are not following this advice and "need to".
Sky-high interest rates of payday loans can vastly increase the amount owed. Here's some advice if you find yourself in financial trouble.
There are a few problems with the payday loan crackdown - and reform looks set to be a slow process.