Nothing more than legalised loan sharks. AVOID AVOID AVOID. Having gone sick from work after this loan was allowed and requested it be put on hold pending a payment plan IN ADVANCE OF THE DUE PAYMENT they recorded an overdue payment to my credit file before it was even due. They even added the loan TWICE for effect!. They ignored the token payment I made and request for a payment plan and rang me threatening and mocking me for full repayment with the promise they would wreck my credit file if I did not. My employer has received phone calls I believe to be from these cowboys too and I will be reporting them to the FCA with a full recording of the threatening call. The ICO for reporting of incorrect negative data and I will be instructing a solicitor to take over my complaint