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Hi, I'd like to formally introduce myself, I have been in the Financial Management business since 1996, and unfortunatly due to personal reasons, lost my business in 2007. Instead of helping people and businesses in financial difficulty, I was one the in trouble! Anyway, I am experianced dealing with people in financial trouble, dealing with banks, credit and finance companies, debt management, and very experianced with Payday Loan companies!!! I have also dealt with debt collectors and various creditors, usually very successfully. I have dealt with properly every PayDay Loan company out there, many are the same company under different names. I am at present in the process of having Debit Card Loans/Cheque Book Loans investigated by the FSA, and have reported them for breach of the Data Protection Act and what I believe, fraudulently attaching a Standing Order to a Bank account. This company needs dealing with their underhand deeds! I have found that most PayDay Loan compaanies will not take you to court, although they will be a pain and ring you at work. My advice is to ring them first when you cannot afford to repay your monthly loan, and be strong. Do not back down, do not pay what you cannot afford, and always keep the bank account with your wages being paid into secret, and do not disclose your debit card details to anyone!!! I have sent a few CCA requests, only to find that none of them replied! The only ones that have ben a pain to deal with, apart from DCL, has been Swift Loans, Chantry Collections, the're all a pain at times! If anyone wants any advice or help, please ask and I'll do my best.