An expensive form of borrowing secured against the value of your car or motorbike could be outlawed under Government proposals.
More than 1,000 people have complained to the Office of Fair Trading about this form of borrowing. The loans allow the lender to repossess your vehicle without a court order if you fall into difficulties paying back the money.
The Department for Business Innovation and Skills is consulting on plans to ban this method of borrowing.
The programme hears from the Consumer Minister Kevin Brennan and from Robert Shaw, who took a case to the High Court last month over a loan he took out.
This item was first broadcast on Radio 4's Money Box on Saturday, 2 January 2010.