Hi, I'm new to this so hope i'm doing this correct. Got into bother with a couple of payday loan company Minicredit, capital finance one & wonga. I have kept all documents ie: e-mails, letters so forth concerning all communication. Now just recieved a phone call from mackenzie hall stating that i owe £1824.00 to minicredit for a £400 loan. I told them that i don't agree with this amount & would contest it. i said that the most i was willing to pay was £700. have i dug myself in deeper, & would anyone like to give me some info please.