this company is definitely sketchy. i put a stop payment on my account at my bank, and they are now calling and harassing me. i offered to pay them $259, which i had already paid the $59 and now they are trying to say that i owe them $318. they are calling and harassing me at work, and i just keep hanging up on them. they are threatening me with fraud, because i told them that the number that they have for my employer is wrong. i told them that it was changed so they wouldn't call it. they literally said on the phone "can i talk to your supervisor". i said no.... he asked again and i said no. he actually expected me to walk over to my boss and hand that person the phone so he could "tell on me". i wasn't having it. i told him that their company's lending practices are illegal in michigan, and that he could either accept my terms or they would get nothing. i told him that i knew that the company was in the UK and he couldn't really do anything from there.
he tried telling me that he was going to have his "legal team" in new york come and garnish my wages. i said you hop on a plane and come and get it. i'm not going to let this company push me around for $200. no way. i'm not afraid of these guys.
i wouldn't recommend my actions to anyone else, but from my personal experience, i'm either going to pay them back on my terms (reasonable) or they will get nothing and they'll have to fight me for it. i've got nothing to lose. i'm tired of predatory lending.