To all who are having issues with Cash Today Limited. Here is the thing:
1) In the loan agreement, you agree that you are not intending to file for bankruptcy. You also agree to let them contact your employer if you fail to repay the loan. And they record this stuff too, so you are kinda trapped there.
2) Cash Today Limited is actually based in the United Kingdom and as a result, you are subject to British law as opposed to the Fair Debt Collections Practices Act here in the US (feels like colonial days, doesn't it).
I have had to take out a payday loan with them before once. If you pay it back, they are fine. From what I understand, the issues are with those who DO NOT repay their debts, and there in lies the problem.
While they do have a call center in the US (Nevada I believe it is), I do not believe they would be subject to debt collection regulations that are codified in the US.