Well yes I was exploited by the appalling interest rates, but I knew full well what I was signing up for. Every story I've read on here has started 'I failed to pay the loan back' or similar. Well, what do you expect? They're not just going to let you off!
If they were claiming people hadn't paid when they really had, it would be a different matter, but as it repeatedly says on the websites of these companies, 'If you think you're going to have problems paying it back, don't take out a loan!'
Payday loans are intended for people who have money coming, but not for a couple of weeks and want an advance on that at the cost of the interest rates these companies attach to such loans. If you don't have the foresight to see three weeks ahead and know you're not going to be able to repay it, then it's hardly surprising you end up with debt recovery agencies after you!