They prey on the weak and vulnerable. They sign up people as guarantors without them understanding the process, they hound them for the debt, they charge 50% interest. A 2k debt becomes nearly £3.5k! They don't even tell you over the phone the total amount of the loan, or what you will repay in total, just the amount going into your account (which is a lot less if they do a 'top up' loan) and the monthly repayments. They are parasitic people. DO NOT USE!