yes, sticking to email is better, you can keep track of the repayment offers to give you too, i had 1 guy offer me £300 setllement the day after i was offered £250 from someone under him!

well done. you could have charged back the payment however i did this and i was sent a copy of the T&C's i signed with 1monthloan and it stated that they can collect payments upto the total amount due from any card details i supply them... not sure what else i can do to ge tthe £450++ back that they took for a £100 loan

A debt relief order sorted out all my mess.... tried everything i see on here but debt relief order was the easiest... Didnt like the thought of a DMP taking my first two payments as an admin fee either :S