It says it All
The real evil is not the payment of money, but the secrecy attending it (Chitty L.J. in the case of Shipway v Broadwood  1 QB 369, 373). .
The courts shall not make an enforcement order under section 65(1) if section 61(1)(a) (signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner
Moneylending transactions as a class give rise to significant social problems.
Astalavista baby and I'll be back