<prompt> Human: I was watching TV last night and happened to see an advert for loans from 118118 Money They were quoting an APR of 99.9 for a loan over 24 months.A few minutes later, I saw another advert for a payday lending company that was offering 1295 APR.I guess what shocked me was: how are these not predatory lending practices that are outlawed?  <response>: Because you are an adult that should have read before you signed the documents 