The misery caused by pay day loan interest rates is being experienced in Fife every day.
More than 100 people with £82,500 of debt between then sought help from Citizens Advice and Rights Fife (CARF) in just three months this year.
CARF has urged people worried about pay day loans to contact them.
Money advice manager June Menzies said: “Between April 1, 2014 and June 30, 2014, we assisted over 100 clients with approximately £82,500 owed to pay day lenders.
“This equates to CARF being approached nearly every day by a member of our community for advice on pay day loan debt.
“We see the human misery on an almost day-to-day basis as people try to balance everyday expenses such as food, rent or mortgage and fuel against repayment of loans.”
She added: “Our advice to people in debt is to seek immediate advice from CARF’s money advice team on 0345 1400094.
“We would also advise people who are thinking of taking a pay day loan to consider the affordability of repayments and, in the first instance, to consider a cheaper alternative such as a loan from their local credit union.”
Glenrothes MP Lindsay Roy said: “My office has dealt with several people who have been at their wits’ end in trying to make the repayments,” he said.
“It is easy to say that they should understand what they are getting into but when people are desperate for money for whatever reason it is often the case that they fail to appreciate how what’s owed will soar if the loan is not repaid on time.
“I had a quick look on the internet about pay day loans and the first thing that came up were two advertisements by pay day loan companies one charged an interest rate of 2,754% APR and the other was 1,999% APR. This is outrageous.
“It is only after a prolonged campaign from Opposition MPs and pressure groups that the Treasury has issued a long-overdue directive to the Financial Conduct Authority to impose a cap on fees and charges.
He added: “As a society we need to address seriously the underlying reasons for the increase in applications for pay day loans for example unfair benefit restrictions, zero-hour contracts and part-time working.”