i have had a TF loan for near enough a year now as i realised they were going to be no help what so ever and got fed up of trying to contact and negotiate with them i just left it and waited for them that has been about 8 months now, also on the last phone call i had i read up on them and mentioned all the breaches they have made which they should have altered as OFT stated which they havent done which this seemed to get there attention as well as did the citizens advice bureau, since then i have heard nothing no emails no phone calls no letters through the post, i also mentioned to them that TF, NDR and MH are all part of the mother company and the fact that they can not come round to my house to collect anything and they shoud take me to court first which therefore would mean explaining there excessive charges which went from a 200 pound loan to a 1000 pound loan within 3 months which is ridiculous........... since arguing all these facters with them they havnt taken me to court they havnt so much has been in contact with me. im not saying to follow what i did as it may not work for everyone but it sure worked for me and it is also worth a go. H x