::::Thanks for adding the source, but I'm not really sure that this is an improvement. The point I have been trying to make is that every source (positive or negative) mentions that Wonga charges a high rate of interest. Most of the article is about this and it is not an opinion, but fact - it is no different to the 'short term' that is also mentioned. Saying that they have been criticised because of this in the first sentence is less NPOV than simply stating it as before - the lead should mention the criticism at some point, but not so soon.