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to understand why more people are turning to them and how they exploit those desperate enough to use their services. dee saye he's an enforcer. he collects debts. we're not using his real name. he says he's lent money to hundreds of people, from £500 right up to £100,000. what happens if somebody can't pay their debt back? it depends on who it is, or what relationship we've got. the ones that seriously take the piss, who've got no intention of paying you, they're the ones in trouble. what does trouble mean? replace your vehicle. replace your windows, your door a broken nose, smashed—up eye sockets. they're going to wish they paid me. they get a chance to explain themselves. usually, it's once, or twice, and that's it. i'm not texting you. i'm not following you. i am outside your house. and you don't want me outside your house. does it have to be so brutal, when these are vulnerable people?