I think it would be great if customers could see their balances online and pay them online. I cannot understand why you would not have this. In addition to this, people should be able to pay using bank transfers as a method of payment. Plus, paying back double what was borrowed seems a little unscrupulous. I appreciate that there are costs to administering a loan but I do not believe it is the amounts that are quoted. You need to be clearer about what these costs are going towards and cap them as they are unfair. I have already paid off what I borrowed yet I am still paying, that cannot be right...this needs to be looked at!