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The Co-op and Barclays have historically been the most likely to accept all kinds of applicants - including recent bankrupts in the case of Barclays - as well as offering wide access to ATMs; while they charged some fees, they were lower than those of some other banks.

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Aggregate period of indebtedness.

The study, undertaken by the charity Toynbee Hall and the employee loan firm SalaryFinance and shared with the Guardian, found that younger borrowers were twice as likely to have taken out high-cost payday loans than those from the baby-boomer generation, and on average had used them twice as often.

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A new W-4 form can also be obtained from Central Payroll.

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The requirement that the consumer's signed authorization include a statement that specifies the highest amount that may be charged for a late fee or returned item fee is satisfied, for example, if the statement specifies the maximum amount permitted under the loan agreement for a covered loan.