MAN
"Hello is this Wingo Early Pay Pay Loans?
WOMAN
"That's correct, are you applying for a loan today sir?"
MAN
"NO I AM NOT! I have a letter here claiming I owe you £55,000!"
WOMAN
"Can I have the reference number please sir?
MAN
"ANT 0974!"
WOMAN
"That's the Anticipated Loan Department please hold the line"
HOLDING MUSIC: The Windmills of your mind
WOMAN
"Hello Anticipated Loans collection line"
MAN
"Never f**king mind Collection Line I've got a letter here claiming I owe you f**king telephone numbers, what the f**ks going on!"
WOMAN
"First of I must ask you to moderate your language please, these calls are all recorded"
MAN
"Who are you sending the tapes to Harry F**king Hill!"
WOMAN
"If you swear again sir I will be forced to end this call, now can I have your reference number please"
MAN
"ANT 0974"
WOMAN
"Can I have your password please for Data Protection"
MAN
"I haven't got a password; I never took this loan out!"
WOMAN
"Are you Gordon Duff of Wolverhampton Road?"
MAN
"Yes I am"
WOMAN
"You took your first loan out with us last year"
MAN
"Never mind first loan, it was my only loan and it was for £200 and I paid £300 back the next day as agreed!"
WOMAN
"Sorry sir but when you applied you also agreed to our Terms & Conditions and inside that it clearly states we can lend you money if we think you need it."
MAN
"What? The Terms & Conditions was twelve f**king pages long and the font was in an 8 I could hardly see it "
WOMAN
"Well it's there and as it states everything clearly As such it was deemed that your required another loan so we lent you £45000 yesterday and reclaimed it today by direct debit"
MAN
"You lent me what yesterday?"
WOMAN
"£45000 sir"
MAN
"What time was that? I only had three quid in my account when I checked it on my way home from work"
WOMAN
"We paid in at 11.59pm and it was a 00.01am repayment"
MAN
"So you put money in my account for two minutes and then took it back"
WOMAN
"That's correct sir"
MAN
"So you have the money back, what's the bloody problem? Anyway how the f**k have I already got a red letter"
WOMAN
"If you can moderate your language I'll explain sir,"
MAN
"Go on then I really need to hear this"
WOMAN
"Well sir when you agreed to our Terms & Conditions you failed to opt out of both the Anticipated Loan option and the Rapid Repayment option. As such your loan was anticipated and dispatched it was then subject to rapid repayment so we were also able to send the demand letter prior to the loan. However due to the partial repayment the overall figure obviously needs reducing"
MAN
"Reducing to what you lent me £45000 in the middle of the night without telling me and then take it back, how can I owe you anything"
WOMAN
"As we were only able to recover the loan and were unable to collect the interest the debt currently stands at £18,500, sorry we recovered an additional £3 so you only owe £18,497"
MAN
"You've took my last three quid are you smoking smack? You lend me money when I'm in bed and unaware of the loan, take it back and still want interest, well you can f**king swivel I'd rather see you in court"
WOMAN
"That's fine sir we anticipated that you're in Court 6 of Wolverhampton magistrates in twenty minutes sir!"