Hi Just joined CAG so forgive the late response to post. Keyes Whitlock are part of Payday UK. Its like their debt collections department. From my dealings with them, they'd like you to believe they are a debt collections agency, but it just seems to be some other part of the office Contact details I have are: MEM Consumer Finance Ltd, reg no. 04786727 Witan Gate House 500-600 Witan Gate West Milton Keynes Bucks MK91SH 0800 074 5010