ÃÛÑ¿´«Ã½

Available for over a year

PayDay Loan firms say new regulations facing the industry have led to a sudden proliferation of 'Christmas Pay Day Loan Companies' advertising online. The Consumer Finance Association says many of these companies are unregulated, and is warning people who are short of money this Christmas not to use them. The Money Advice Service says around 1.4 million people will turn to high-cost short-term loans this festive period. Live music venues threatened with closure because of complaints about noise say the responsibility for sound proofing should rest with the new neighbours. The English folk-punk singer Frank Turner started out playing in so-called "toilet venues", and says their survival is vital for new musicians starting out. Plus the unwanted freebie presents sent out by charities. Six years ago the rules were tightened to restrict how many gifts charities can send donors - so why do the pens, cards and coasters still keep coming? Winifred Robinson finds out. Presenter: Winifred Robinson Producer: Natalie Donovan.