StepChange debt charity says around 30, 000 have used the short term, high interest loans this year.

BBC: Payday loans are set to 'double' warns debt charity

Advice groups include the StepChange debt charity or the National Debtline.

BBC: How to cope with financial difficulties

StepChange (CORR) says three quarters of calls to its Cardiff office are people struggling to pay off the loans.

BBC: Payday loans are set to 'double' warns debt charity

Debt charity StepChange welcomed the government's move, saying it had seen a "dramatic" rise in the number of people in Scotland seeking help with payday loans.

BBC: Ministers plan changes to debt arrangement scheme