The name wonga.com is cursed by thousands of people that had dealings with a firm that tipped into administration before they had the chance to claim redress.

Their experience suggests that the answer to the question, “is Britain’s financial system failing the poor?” is yes. The same could be said of a related question: “Are financial scandals that affect those with low incomes and little influence handled with the same sort of vigour as those that impact upon middle-class people fortunate enough to have the means to save?”