Nearly got caught by this company today, fast and smooth talk was pretty good ! they were sending a courior to my house first thing monday morning to collect £400 and all the paper work to start procedings to persue my debter ! Errrm, smelt a rat, checked them out via o.f.t who gave me 1st class advice which directed me to this forum. I'm not saying they are a good or bad outfit, but there customers comments make interesting reading !but i think i have just saved myself a big headache !