They're a deeply sleazy company, along with lenders like PayDayUK.
They mass-cold-call people asking to "discuss their application for a loan", when those people haven't made an application.
They send threatening emails to folks saying that loan installments haven't been paid, when those people haven't taken out a loan.
Their tactics are basically bullying and fear.
(No, I haven't ever taken out a loan with either of these companies. Yes I have had to experience both of these annoyances. Yes, so have various other people I know).