Hiya,
I took out over a dozen payday loans in 2013 and got myself into considerable debt. I paid them all off with payment plans over the course of a year and was proud to have got myself out of a considerable hole.
Today (3 years later) I received a letter from a collection agency saying I owe £400 to a payday loan company. Contacting me 3 yrs after the loan was taken out seemed odd to me and took me by surprise (payday loans was a stress I thought I'd buried long ago) Fortunately I kept a record of what happened to me in 2013 and so I could see it had already been paid off.
This is just a note to remind people to keep record of EVERY communication with loan companies, payments, payment plans and also crucially keep a record of a confirmation email from the company when the debt is cleared (if they dont provide one, request it)
If you ever find yourself with debts to these short term loan companies and their collection agencies, create a folder in your email called Debt or something, put EVERY one of the communications you have with these companies in that folder. Without that folder I would not have found the email showing I had cleared the debt, bearing in mind this loan was taken out 3 yrs ago!(could not name search as payday loan companies change names, close down, sell off the debt etc... all the time) but by creating that folder I could find an email from 2013 and see the debt was already cleared.