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Bad experience with pay joy I've made a payment twice yet is still showing one payment. I tried to call and was advised to send proof of payment on what's app and I did. Busy chatting with Ai no good resolution just answering one thing over and over. My number is *** please call me urgently to resolve the issue ASAP. I was thinking pay joy is a best method for some of us but yeah this is a bad choice you can make. Rather but what you can afford cash or save up