Isn't it funny how the financial cycle of the world runs? One month you are there smiling with your lender after getting approved for a loan, and the next, the same lender turns up the heat on you - by sending bailiffs like the Marston group or Moorcroft debt collector after you - when you're unable to repay them. Sounds so ironic, right? Well, that's the cycle of financial escapades some people have had to endure all their lives.