Payday loans: '£7k debt from eight different lenders'
20 November 2012 Last updated at 20:47 GMT
The payday loan industry has been warned to improve the way it lends money and collects debts, or face fines or closures.
The Office of Fair Trading (OFT), in an interim report, says most of the 50 big firms it has been inspecting do not operate fully by its rules.
The OFT says it is worried by reckless lending and aggressive debt collection.
Meggan Tile owes seven thousand pounds in payday debts after being given loans by eight different lenders - despite her history of failing to pay credit card and mobile phone bills.