this is the email i have had sent to me today, Loan Ref: xxxxxxx / PCP® 05/10/2012 Dear Miss p This is a reminder that you committed to pay back your Speed Credit Loan** debt. This debt is now very overdue. We have allowed you to extend the loan as a goodwill gesture. As part of settling this debt you are committed to paying GBP 240 by 06.10.2012. In accordance wih the Standard Terms and Conditions you agreed to, we will be automatically taking payment tomorrow as agreed. Please ensure the amount of GBP 240 is available by midnight tonight. If there are insufficient funds in the account the payment might fail and all charges will IMMEDIATELY become due, ALL back dated interest, penalty fees will be charged. Recovery Agents will be sent to all addresses we have on file for you in order to obtain payment. Should this also prove unsuccessful we will be liaisin g with solicitors who will obtain a County Court Judgement against you. Once this is secured we will return with a Warrant of Execution from the County Court and certified Court Bailiffs to seize goods at 9 times the value of what you owe. IT IS ESSENTIAL you HONOUR this agreement If you have any questions regarding this, or willbe unable to pay contact customer services NOW. Yours sincerely, COLLECTIONS NORTHERN DEBT RECOVERY 0843 381 0843 NOTICE: The contents of this e-mail are intended for the named addressee only. It contains information which may be confidential and which may also be privileged. Unless you are the named addressee (or authorised to receive for the addressee) you may not copy or use it, or disclose it to anyone else. If you received it in error please notify sender immediately and then destroy it. I need help I cant afford this at all and I've also heard that speed credit have been shut down due to fraud, will this affect my debt

hi, I took out a loan with speed credit (tooth fairy) for £400 i manged to repay this loan. As i successfully re-payed the loan I thought that as I had no problems with the loan company I should take out another loan with them as I was struggling to pay my rent. I originally wanted a loan for £100 pounds but they could only offer me £200. After two week the amount that I should repay was £224, but I was told that if I wanted the loan for an extra two weeks then there was no need to notify them but to just not pay the loan back. when I did this an extra £24 was added. I am currently 30 weeks pregnant and no longer have a job. I rang speed credit to explain my circumstances and I was was put through to one of their people. I found the call very rude as they were having a party in the background so i could not here a thing. the person on the line kept putting me on hold due there celebrations. (I found this very unprofessional.) I asked if I could set up a payment plan as my partner said that he would pay so much monthly as i have literally no money whatsoever. speed credit told me that I cannot set up a payment plan as it was too late. but they could extend for an extra week I have filled in the customer help forms on there website explaining my circumstances and asking for a payment plan. I then got two texts stating that i had agreed to pay £209 and another saying £197 and that it had to be payed before midnight that night. I thought this was ridiculous as how am i supposed to pay this when i have told them i have no money at all. And i certainly did not agree to this payment plan and was not informed of this. i tried filling in another customer help form outlining that i had not given permission of this payment plan and that i cannot afford this amount. I now owe £407 and have a letter from Marshall Hoares baliffs. Stating that i have seven days to pay back the amount or there will be bailiffs coming to my house and that legal action will take place. this is really worrying me and as i said i am 30 weeks pregnant so this stress is really not needed. they will not accept my payment plan at all. and they said that i didn't answer the door when they came to my house, but nobody came. help please!!!!!!