[denkmoon]

>The way it was marketed I thought it was a government scheme where you would actually access a portion of your pay early, but no.

I don't want to be insulting or make this a flamewar, but really? c'mon. It's not like they're putting the coat of arms in their logo, there is _zero_ indication this is a government run scheme.

If a presumably fairly well educated and tech literate person thinks "MyPayNow" button next to their latest order of trendy clothing/smartphone accessories/whatever is a government scheme, I'm not sure how much anyone can do to prevent less well educated and tech literate people being taken advantage of...

[NoPicklez]

My thoughts when I first heard the radio commercials was that it was a government scheme, having said that their website and their other visual marketing doesn't give me that indication at all. However I was never interested in using it to do any research.

My point being that the wording "My pay now" and the description of it allowing you access upto a quarter of your pay early, is fairly misleading. You aren't accessing your pay, you're obtaining a loan, of which the amount is a percentage of your salary/wage, which you will pay back with your pay.

Forget the idea of it being a government scheme, that was irrelevant to my argument.