Good evening everyone. I am asking for advice about a loan I have defaulted on which was due to be repaid 28th dec 2012 for the total of £180. Within a day of defaulting i was receiving an alarming number of calls from various numbers at all times of the day. 7 weeks ago i sent an email offering a repayment plan for £10 a month to clear the debt, i also made a complaint about the conduct of their company & the harrassment i was receiving & finalised the letter saying i would under no circumstances speak to an advisor, requsting everything in writing. This was the reply to that letter... Dear Mr Gornall, Thank you for your e-mail. I am afraid that due to security purposes we are unable to discuss your account via email. We will pass your e-mail on to the relevant department for their reference. Please be advised to call our collections department on 0800 316 1414 free of charge from a landline or payphone so we can handle the matter more efficiently I am afraid I do not have the facility to set up an agreement via e-mail. Alternatively if you would prefer, we can arrange to call you at a convenient time to transfer you through ourselves. Opening times are as follows; Mon: 8.00-7.00 Tues: 8.00-7.00 Wed: 8.00-7.00 Thurs: 8.00-7.00 Fri: 8.00-6.30 Sat: 9.00-2.00 I hope this is of help. Kind regards, Lucy Do they really not have the facility to setup an agreement via email? Every other company i have come across does. I really don't want to speak to anyone by phone as i have no proof of what's been said if an agreement is setup. Also the calls still keep coming! and have done everyday, even on weekends! I read you have to wait 8 weeks after complaining to make a complaint to the OFT which is expactly what i plan to do so what should be my next move? Thanks, Craig