Thanks everyone some good advice here.
Kelvin, I agree and disagree with you, it is my fault for taking out the payday loans and using it to gamble, but on the other hand I’m not convinced the correct checks are done when money is applied for. For example at the end of August my payday loan payments was 5.5k luckily I was getting bonus from work to help me cover it plus I needed other loans. When I’m submitting my monthly income on the application, surely they can see it’s not affordable for me. Some companies who refused my application wanted to speak to me to discuss my finances and they go through and tell me what I owe to other companies. So surely this information is available to all the companies.
Another example, I already had 5 loans with the same company, probably ranging from £200-300. They gave me the 6th at 2am for £200 it was in my bank in a few minutes. Is that responsible lending?