I have just gone through the same experience as others posted here. I just can't believe that Carter Forbes are getting away with all of this. I had a payday debt with Uncle Bucks in 2008, which I honestly thought I'd cleared. I heard nothing from them until receiving a text last month (mid June) from Carter Forbes saying the debt had been passed to them and if I didn't get in touch they'd be arriving on my doorstep to collect it. I called them and was told that the debt now stood at over £1000 - how??! As far as I was concerned the account was cleared, and I'd had absolutely no contact from Uncle Buck during the intervening period. They obviously still had my phone number, which had not changed (and neither had my address - but nothing in the post), which was used by Carter Forbes to text me. How can a debt be left unchased for 3 years while such a huge amount of interest accrues, and then they decide to try and collect the inflated amount?? Anyway, I agreed with Carter Forbes to pay £100 per month - the maximum I could afford, which I made perfectly clear to them. I made the first payment on my debit card and they told me that they would take £100 a month from the card on an agreed date. The next month I get a call from my bank telling me that they've taken the full £1000 - clearing my account out and leaving me not even 1p to live on during August - food, mortgage, travel to work etc. I called them and was told that they tried to take the £100 but card was rejected. My bank has confirmed that nobody tried to take £100 on the date stated by Carter Forbes, which I already knew because my pay was in before that date so money was definitely there. Have asked for evidence form them - no response. I've made a complaint to Financial Ombudsman and CSA (Carter Forbes website says they subscribe to CSA code of conduct etc. etc.), and following good advice in this thread I'm also going to complain to the OFT and Trading Standards. These cowboys have to be regulated more strictly.