Keys Whitlock are an in house debt recovery for Payday Uk, the also trade under the name of MEM consumer finance (or Month End Money) I discovered this after my loan with Payday Uk had been passed on to MEM, i called MEM to make payment arrangements and also paid a £50 account holding fee to allow me to do this, however before any payment was taken from my account they then passed me onto Key Whitlock, who again started sending me letters and ringing me on a daily basis trying to bully me into paying yet another £50 holding fee, i made arrangements with Key Whitlock to pay the £50 on Friday the 16th of July however when i went to access my bank account i found i had no money? I today found out that Key Whitlock had gained access to my account (under the name of MEM)and obtained the full amount of the loan without my knowledge, i would also like to add that there was in sufficient funds in my account to pay this but the bank decided to authorise it anyway. I contacted MEM regarding the money taken from my account in their name who then advised me it was actually another in house company called Key Whitlock and passed me through, i was then greeted by a rather obnoxious man who started getting rather aggressive with me saying they had every right to take the money (sorry but i thought i had set up a payment plan?? twice! with MEM and Key Whitlock) He then proceeded to tell me the account was now closed and could do nothing about it. I asked to speak to his superior to which he told me my supervisor has told me to tell you there is nothing you can do. Well i'm sorry but there is, i am contacting the citizens advice and also a solicitor regrding this matter, i paid to have the account put on hold and then got passed to another cowboy company? ANYONE WHO FINDS THEMSELVES TO BE DEALING WITH KEY AND WHITLOCK OR MEM CONTACT YOUR BANK AND INFORM THEM NOT TO AUTHORISE ANY DEBIT CARD TRANSACTIONS TO THESES COMPANIES. I hope no one else ends up in the same debt as me over this