Please please please go to the Financial Ombudsman!!! I contacted them back in February re the continuing harassment from these companies....which we all know are one and the same...you do need to follow the guidelines in order to proceed further. As you will all probably know, they do NOT have a complaints procedure as such and when I did complain to them, I was told that I "did not have a legitimate complaint and was attempting to defraud". To fillow the FOS process, you have to give the business 8 weeks to respond to your complaint, but due to that response from NDR, I was able to proceed straight away. I had 64 letters from them over a 4 month period and 94 emails, mostly of a threatening nature, I also had 42 tests on my phone, mostly received around 4.30/5am. I sent all of this evidence to FOS and they agreed to intervene and help me. After having no success with my contact with their call centre and at one stage was told to f**k off by one of their representatives, I was given the details of a direct contact within the business, via the FOS. Unfortunately, I am unable to give the details out of this person, as this was part of my agreement with the FOS. I was threatened as all of you above were re "bailiffs"...which incidently have as much rights to enter your property as your local window cleaner...ie NONE! To cut a VERY long story short, it was one hell of a struggle to get all of this sorted and I was still recieving threats from the "business", I did get the total amount owing reduced from the £1280 they were saying that I owed, down to £400. I paid this to them over a 3 month period. I was not disputing that I needed to pay back the loan that I had agreed with them, just the amount and the disgusting way that they dealt with it! This would NOT have been possible without going through the FOS!!! I will not lie to you, it is a long and arduous process....but well worth it to get these "people" to squirm". I cannot guarantee that you will have the same outcome, but please do not be afraid of these scumbags!!! The above is just a small part of how to deal with the "business", so please feel free to contact me if you have any specific questions.