My son got into problems with 3 companies when he was suffering with depression - Pay Day Loans, Wonga and Tooth Fairy. With the help od a debt counselling service he now has agreements over payments with PDL and Wonga. Tooth Fairy is a different matter. They refuse to negotiate at any level and simply keep adding to the debt (was £200, nor £1400). They use tactics like threatening e-mails / letters and sending round the bailiffs. They have not yet arrived, but if they do, they are not bailiffs, they are just debt collectors and do not have the sane rights as bailiffs who would have been authorized by the court (when it gets that far). However, internet research shows that they will employ scare tactics and some of their operatives have allegedly used weapons to intimidate people into paying or handing over goods.