Hi Everyone, I'm new to the payday loan "schemes" and I need some help. I took out a pay day loan with Quid Market on the 8th of November, had to replace my washer and could only afford second hand and didn't want to ask my parents, the money is still in my account. However I was hit in a slight bump with a Renault on the way to work on the 9th, got quite a bad concussion and I was in hospital for about 9 Days. All is well, thankfully. My only problem whilst being in the hospital, my mobile has rang non stop since my payday, I've answered the calls on a few occasions and they've hung up consistently, they are now claiming that i've been dodging my pay day loan.. The fact is I haven't, my dad reported my bank cards missing whilst I was in the hospital, and I ordered new ones just Friday gone. I've come home to 10 (my maximum) voicemails at home, 7 emails at my work email address and a countless amount to my personal emails. I understand they have a right to contact me, yet they were advised by my father and a family friend who answered my mobile that I was in hospital, both times they were laughed at, then asked to pass on a message "regarding my OUTSTANDING account" with them. On Friday I tried to email them within the 14 days to say I didn't want to be part of the agreement anymore and wanted to return the funds and my emails have been sent back automatically. It's not a question about paying back. It's more a question of i've tried to contact them, family members have been met with what i would call a complete disrespect. I tried calling this morning and was huffed at and quite blatantly mistreated. However, i've returned to work today to find out that i've had 7 internal transfers from the main call centre, not only this 2 team leaders have spoken with quid market- whom have made it quite clear who they are and what they are looking for. Not only this one manager tried to explain to them that I was in the hospital and was advised "i don't believe you, why have you had to leave your desk to discuss this?!" I'm told the girl then started laughing at her. I work in a very DPA tight job (mobiles are not allowed on the main floor) personal details about clients/colleagues are extremely confidential: hence why she left the area. So in total i've had 10 voicemail, approximately 30 missed calls, 7 work emails and god knows how many in my personal emails. I want to know what my rights are when I call them, as I don't feel it's fair that i may incur charges, unfortunately my bank wouldn't allow my dad to order new bank cards for me (dpa) and despite my father and family friend trying to discuss my account with QM they have decided it is far more humiliating to contact my work, on a number and extension on which I did not give them- Surely this has to be illegal? I'm at a complete quivering loss, they're threatening me with court already- which, living in Scotland for £210 would be laughed out of court. However they've broken my DPA rights on more than one occasion, i'd say they are borderline harassing me now. I tried to call the OFT but they're closed by the time I finish work. Sorry i'm rambling, but this is my first experience of a Pay Day Loan company- i wish i'd just sucked it up and asked my Dad. Can anyone help me? Not with regards to setting up a payment plan or anything, but running them through the legal mill. I don't feel my situation warrants this kind of behaviour and to be honest i'm quite scared to call them tomorrow to explain everything again. Thanks