You could imagine some enthusiastic member of Government brainstorming this idea, to use fake letters from fake lawyers threatening legal action (to increase revenues whilst keeping down costs with a simple cost-effective 'nudge'), before hopefully being elbowed in the ribs and given a lesson on ethics that nipped the plan in the bud.

However companies are somewhat less concerned with ethics, especially pay-day loan companies one could argue, so this plan was fully enacted by Wonga. Ethics aside, they now probably wish somebody had elbowed them in the ribs and told them this would likely backfire as a public relations disaster that would incur a hefty fine!