Hi renegadeimp, thank you for the heads up.
The reason pdl's are my priority besides rent is that I have arranged a repayment program with my cc already, my od is still interest free and the pdl's are expecting money on the 28th and I aim to avoid a default with these companies if at all possible.
I have a bit more trust in my bank and with my credit card than with these pdl's, hence why I want them out of my life asap.
Just out of curiosity in which way are they breaking OFT guidelines? I have specifically not made any telephone calls to these companies, just going by what p