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But the FCA didn't take any enforcement action such as fining Wonga, since the activities took place before it had powers over Britain's £2 billion payday loan market. The Office of Fair Trading, which started investigating Wonga's debt collection practices in 2011, handed the case to the FCA in April and no longer exists.

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Thousands of people seeking payday loans have had a total of more than £1m taken from their bank accounts by “middlemen”... 330 330

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