We also are have problems with this company. i am a disabled lady who is looked after by a carer (my husband) prior to this my husband had worked all his life and we had never had any problems. In 2007 our son who had a very good job so did his wife asked us to sign as guarantor for a loan and we did through FLM, I had a good carera but she had to leave through personal pro blems so hence my husband have to give up his job to care for me. Soon after this with the way thing where my sons company closed down and he was out of a job, and then to our disbelief his wife became pregnant and soon had to go on maternity leave, so we went from having 3 incomes to social benefits, However our son did really well and managed to pay them every month with out fail but as thing got tighter they missed one payment and the txt messages started so did the phone calls. they are now 2 months in arrears and i have never been so harrashed in my life its made me very ill I cant sleep at night because they keep going on that we have to pay its our duty to pay we are the guarantors, we have explained time and tims again that we cant pay it will are just surviving on benefits but still the phone calls and txts keep coming, I am at my wits end as they keep on saying about our assetts which is our home we are just to people living on benefits what do they want. My son only owes 2 months what the hell is wrong with these people does anyone know of anything that can be of maybe anyone who tell us how to stop this nightmare My son has offered to pay a little more on top of the monthly payment but they keep putting charges on and its not helping surely this is not right!!!!!!!!!