Codes, camouflage, disguises, misleading information. Fascinating. Absolutely fascinating. Designed to send the enemy heading off in the wrong direction, they all have their place in a military campaign. They do not, however, have a place in the world of payday loans, where the emphasis should be on good communication.

As a military man I know the key to good communication is conveying the right information and doing so with clarity; even when giving orders to my much-valued assistant, Sandra, who has come to know me rather well.

Yet, when it comes to displaying the full cost of a loan – a time when they should be communicating as transparently as possible – some payday loan lenders feel the need to camouflage the facts, tucking certain fees and charges out of sight in a loan agreement that you’d need to be a codebreaker to crack.

Now, reputable payday loan lenders like those of us at the PaydayUK Command Centre think this is just not on. So, when you apply for a payday loan through PaydayUK , all the facts and figures are put on parade for you to inspect. There are no hidden charges waiting to ambush you after you’ve committed to taking the loan, and no ‘unauthorised personnel’ in the form of undisclosed arrangement fees or transaction charges.

In fact there are no arrangement fees or transaction charges at all. Before you even apply for your payday loan we make sure that everything is all ship-shape, with our loan calculator showing you what the total repayment (loan amount plus interest) will be. And that’s a straightforward £29 for every £100 borrowed from your application date to your payday. No codes to crack, no camouflage to see through. So if you are looking for a puzzle, might I suggest Suduko?