you are a company bthatb prey on the people that are so bad with credit history that no reputable lender would consider them. You charge rates of interest that should be illegal and when you give money to people that reputable lenders refuse for obvious reasons you still approve, then when a person such as this struggles with the repayment and interest you add more interest on to it hoping this will scare the person to parting with money. Then you add more as you call it penalties to create more debt, then send in the debt collectors. Your company is nothing more than legal loan sharking and a disgrace. I hope you company goes bust and all you little parasites as that is what you all are left high and dry. I wish to be removed from your mailing list as i am now in a debt management programme as i am thousand of pounds in debt due to companies like yours and i can no longer afford the payments. Please stop trying to contact me as in future i will seek legal advice against your harassment. jacqui