Guys, I had a loan with these people and had the same problems, my loan was for £100. Apparently I didnt set up my request to extend the loan properly and before I knew it, they said I owed them in excess of £600. They never answered their phones or responded to the emails I sent them, all I got was an automated call every day saying how much I owed. Check the letters they send the amount never corresponds with the amount on the site and does not reflect the charges they say they have applied for letters etc. I waited in on the days a debt collector was 'apparently' going to visit and funnily enough this never happened!! My debt was passed to OPOS in the end (im sure this is just a sister company of minicredit). I stood my ground and explained all the above. I told them I would happily go to court and fight my case - no company like this would risk the cost of losing over such small loans. They gave me three outrageous repayment plans, all of which I rejected. I told them that I was willing to repay the loan amount plus the interest as agreed at the time an that was it..... They accepted. The debt is paid and ive heard nothing else. Persevere with these mugs. If they agree to a setlllement get account details where you can pay the money into, DO NOT give them your details!! Good luck!