'It was so easy to borrow multiple payday loans'

The Office of Fair Trading (OFT) has referred the payday lending industry to the Competition Commission because of concerns about "deep-rooted problems with the way competition works".

The OFT said it found that customers found it difficult to identify or compare the full cost of payday loans.

The BBC spoke to Mark Todd and his partner Sheila Lund, from Huddersfield, who are £3,000 in debt after taking out payday loans.

Mr Todd said he was "taking out loans to pay loans" but that it was "so easy to borrow the money".