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It's more subtle is it not?
What is the point of being part of a profession, where you are obliged to obtain insurance cover, subject to comprehensive regulation and scrutiny and have potential claims hanging over your head for many years after you stop work when you can simply make up a letterhead, send out the same letters and cajole bully and threaten with no consequences
Where Wonga and Lloyds etc are concerned, they are simply trying to recover money they believe they are owed- but how is that any different if an individual member of the public sets up his own fictitious firm to right his legal wrong- or charges others to do so-.
In principle, if Wonga can do it, so can Joe Bloggs no?

And if that is the case, why bother having a legal 'profession' at all- at least the solicitors branch of it.