If you check your credit history - it costs £2 to check it online - you will see they do not search your credit history, therefore they have no rights to marking your credit history. They won't take you to court either - it's not worth their while doing so.....they have not acted as 'responsible lenders' so therefore are on shaky ground. So - what can they do to you? Nothing. Cancel any direct debits to them, change your bank card and don't bother paying them. And ignore them.

I have worked in sub prime lending for a number of years and my best advice for anyone that owes money to these 'Cash till payday' places is - don't bother to pay them back. They don't credit search you so therefore cannot put anything onto your credit file. Check your credit history and you'll see that I'm right. Most of them are based outside of the UK and after a few emails, letters or phone calls they leave you alone.