I've got a gripe with a loans company.
My wife got a letter from them out of the blue, even got her name spelt right, telling her how easy it was to get a loan from them in three easy steps all online.
First of all how are they getting this personal information?
Secondly, in my opinion they are preying on the vulnerable. You can imagine someone who's struggling with bills and out of the blue getting a letter like this. Temptation killed the cat, I would liken it to a drug addict who is trying to get clean given board at a crack house.
To anyone contemplating using loan sharks, don't. Go and see your bank and if they say "no", go without for as long as it takes to build up your finances to be in a position to borrow money.