(January 21, 2016, 11:50 AM EST) -- PIERRE, S.D. — A South Dakota federal judge on Jan. 8 denied preliminary approval of a payday loan class settlement, opining that he has concerns about the terms of the agreement and whether the plaintiffs’ attorneys adequately represented the class (Chad Martin Heldt, et al. v. Payday Financial, LLC, et al., No. 13-3023, D. S.D.; 2016 U.S. Dist. LEXIS 2646)....