Hi all A few days ago the boiler went, needed it fixing straight away and.. 6 days before payday isnt a good time... i was 100 short on the cash to do it (and have always refused credit cards as i dont trust myself with them) My credit rating is decent and i should have simply called the bank and extended my overdraught, but i didnt want a bigger overdraught than i have now. I know, stupid move. So, when i saw an advert for wonga on tv i thought it would be a good quick solution... interest is something like a fiver, which while a huge APR is a low real-term cost. Just to make it clear, im paid in a few days, and have no problems whatsoever paying it back.. money is sort of tight, but i can manage next month without going over my overdraught limit... it was simply an unexpected expense. After doing the loan though i did a bit more research on the company.. id assumed that people having problems with the company were those who couldnt make repayment on time. But ive read quite a few horror stories about people having their bank accounts cleared on payday, even when they didnt owe any money??? Really im just trying to find out how real this risk is.. as i understand it, giving them my debit card details basically gives them free reign to take what they want and the onus would be on me to prove it isnt money owed to them? I really regret taking this option now, and am quite worried that come payday ill find £2,000 gone from my account or something. Ive also read that even when this card expires they can still use it to claim cash?.. its quite frightening really. Anyway does anyone have experience of these companies reliability when funds are there to claim the correct amount? Thanks