Hi this is the first time i have used the forum so apologies in advance for any errors. My story is that in September 2011 i took out a loan with payday express for £160. I defaulted on this loan but paid back £270 by April 2012 at which time they told me verbally that the loan had been settled. I was then surprised to be contacted by crs saying that i owed payday express £25, i disputed this and gave them details of the transaction i had made with payday express. They went back to payday express with this information and then got back to me saying that payday express had gone through the account and the amount i owe is actually £125. Seeing as i have already paid £270 for borrowing £160 i am refusing to give them another penny. Any help on this matter would be appreciated Many thanks jb184