Thank you for that Neil,

I have just had a reply from them, and they are going to investigate my case, how long did you wait between sending the initial email and hearing their decision ?

I have also used your template letter for a couple of other payday loans,

I will keep you posted,

Neil, Do you remember what you wrote in the email ?

of if possible could you copy and paste here,

as I am in a very similar situation and I just found your post.

also what email address did you use ?