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Geez, you are so argumentative. You can get loans with companies that are not 'high street' who will give you a loan without good credit and they are not 1,000%. Not going to get into a debate about pay day lenders and companies who are not the main lenders..

'type'. Meaning not a normal high street banker or lender because I wouldn't be able to get credit. I said 'type' to denote not one the usual avenues.

Yep. It's what I have been saying. It should all be quite simple.

Yeah, exactly. I don't know all the ins and the outs, but I would indeed have gone out of my way to make sure I was being totally transparent and gave everyone the full picture.

Well this is kind of my point. If it was me and this was now 4 weeks on and people were calling me a fraud.......well, you know the rest.

Exactly. I am only basing it on James saying he is being refunded. This seems to be a bone of contention and seemingly we just have James' word for it.

Ah, but I am basing this on James saying he WILL get the money back he is owed. In that circumstance all you are doing is paying your customers their money back to make them happy and borrowing money for an incredibly short time. All based on James stating he IS getting his money back. If I...

Not sure about that, but I would put all your pictures straight and make sure I locked the door for you on the way out.

My family WOULD loan me the money for sure, so it wouldn't be an issue. James says this is short term. If he's being genuine you are only talking in terms of a matter of weeks. It doesn't have to be the kind of loan company you have suggested. There are some with much lower rates that will...

I would be the world's worst for sure.

Ah, you know my dad well then! When we go out for a family meal there is a jostle for position ...... to try and NOT sit opposite him. Doesn't help that he only has 3 teeth left either.

I would. Why are you saying I wouldn't? How bizarre. If I owed people money and they were calling me a fraudster I most certainly would. No idea why you would wish to argue on that notion. I would. That's me. I would feel really bad and get the money however I could, but would try my best to...

Too right they should. Unbelievable as to why anyone would even conjure up the thought of this.

Seems some were happy enough, but others were not though.

Yeah, did think of that. You can get the Wonga sort of credit though. If I had a previous conviction and people were now calling me a fraudster on this I would take the hit and if it had to be pay day lender, it would have to be a pay day lender at a grossly over the top interest rate.

Maybe a free blow job too.

True. And I would have told them that it was cheap Tesco beer, but then given them all San Miguel .

Well if I was James I WOULD take out a loan, or would arrange an overdraft to ensure people were paid back. If it is just short term it shouldn't be a problem and James says it's just a simple case of him waiting for the money.

Yep, but it's all gotten quite nasty hasn't it. How much longer until you have the funds? Obviously some people are now simply not believing you ,or anything you are saying.

James, have you not thought of borrowing the money off family members (mum, dad, brother) so you can pay people back? If you know money is coming back into your account it should prove to be a very short term loan shouldn't it? That would sort it all out right now.