As I recall, they don't hold guns to people's heads when signing contracts.
Unfortunately their agents (allowing Howard and the rest of the Provident gang to avoid responsibility) have a history of not only pushing credit on the vulnerable but also giving cash loans to people with learning disabilities who in theory aren't allowed to sign contracts but in practice often can.
My job for 7 years involved picking up the pieces.
'Oh comrades come rally........'
And the last fight let us face....