3.2m people 'scared to answer phone' after nuisance calls They risk causing severe stress and anxiety for vulnerable consumers, as well as potentially exacerbating existing mental health problems. For those people in financial hardship the offer of quick and easy cash may be incredibly tempting, but the reality is that they are almost certainly being pushed deeper into trouble. Which? executive director Richard Lloyd said: "It is especially worrying that financially vulnerable consumers are being encouraged to take out extortionate payday loans they can't afford. We urgently need the Government to step in with a new approach, new laws and new technology to tackle this menace and put people back in control of their personal data.