Obiter is disappointed with payday lender Wonga.

Not so much for attempting to rattle late payers with threatening letters – what do you expect in this market? – but for its lack of imagination in naming non-existent law firms. The homely Barker & Lowe, for example, doesn’t quite convey the message that it might be time to consider auctioning a vital organ.

Obiter wonders what names a seriously hard-lending operator might come up with: Gotti, Gotti and Gambino? Kray & Kray? A bottle of fizz for the most ‘persuasive’ suggestion.