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"Most don't have a hope in hell of paying," Mr Barrett admits.
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So, bottom line, Wonga's business is shrinking because it was previously lending to people it should never have lent to in the first place — people who had a snowflake's chance in hell of ever being able to pay it back — and then dining out on extortionate interest rates.
Many don't believe in hell, of course.
There's no way in hell I'm paying $200 for a video game.
Traditional ways of going to hell Not paying due respect to God is one of the big no nos.
I was thinking, 'Who the hell is paying for all of this?'" Lancisi said with a laugh.
"We are going to have hell to pay in terms of side effects".
@StateDept What the hell are we paying you for?
Conservative commentator Barbara Olson would entitle her highly unflattering 1999 book Hell to Pay: The Unfolding Story of Hillary Rodham Clinton, in reference to Clinton's Travelgate phrase.
Last weekend there was hell to pay when one of the guys found his Pindar missing.
Then, in May, Mr. Hell will be paid tribute in the "Punk: Chaos to Couture" exhibition at the Costume Institute at the Metropolitan Museum of Art, one of a handful of "punk heroes" in the show.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com