I have been experiencing similar problems. I initially took out a loan back in April to cover costs after having to put down a deposit to rent a new flat. However, since then I have gotten myself further and further into debt with them as their charges are ridiculous, hence me taking out larger amounts each month to cover these debts. It is making me quite ill with the stress. I have just had a wake up call today and cancelled my direct debits. I have sent an email to them saying I propose to pay £50 per month on payday to them each month. I have been getting behind with my rental payments because they take my money on payday but I have to wait to re-loan to cover my rent! It's a viscious circle and I have to get myself out of it....What a [problem]!