I thought I would give a word of warning about this company. Tower Capital are right cowboys. If you get in trouble with them just keep an eye on your credit file with the credit reference agencies. I took a loan out with Tower Capital back in 2000. I defaulted on the loan due to having a motorbike accident and being unable to work. The payment protection wasn't worth the paper it was written on and so they started to pile on the charges and the threatening letters. In 2002 I agreed a payment plan with them and thought everything was back on track. Everything was going fine until out of the blue I had a court summons from that online Northampton court. They were now taking me to court for 4 times the loan amount. I asked tower capital to provide information so I could defend myself, I got the information the day before the court case and the information they sent was 95% complete rubbish. It was as though they had complete made up most of the documents and the worst bit was they had claim I had taken out 5 loans with them over the years?! They won the court case because I could not figure out how to defend against it. However in 2007 I went bankrupt (of which they were included), a year later I started going about sorting out my credit files. To my amazement the Cowboys tower capital are still at it. They have marked my credit file with all the credit reference agencies with new loans in 2005,2006, june2007, oct2007, and 2008. The only loan I took out with them was in 2001 and have no idea what these other ones are, and they can't seem to send me any prove that I did take out the loans or reloans, as they called them. The worst bit is that they have marked me as taking out loans during the time I was bankrupt, which is illegal and could get me in a lot of trouble with the courts. I have tried to deal with the credit reference agencies, but they respond by say they can't do anything about the entries made by companies on my credit account. I have spoken with the ICO and trading standards by no one seems to give two hoots. It seems companies like tower capital can do as they please.