Hi there, I am in a similar situation and have read all the posts with interest. I have payday loans with 9 of these companies and have been struggling to keep my head about water for months. Finally, last month, I decided to bite the bullet. I contact the debt charity CCCS and entered into a debt management plan with them. They take all your income and expenditure details and work out what you can afford to repay - make sure you are honest about it. Then they make offers to your creditors. Unfortunately, I have not got it set up in time to avoid the sh*t hitting the fan this month, and it is my pay day tomorrow. I have cancelled my card and all direct debits, so hopefully they will not be able to get any money off me. I have sent them all the letter as advised by CCCS, and CCCS will be contacting them to offer a repayment next week. In the meantime I intend to tell anyone calling me that I am in severe financial difficulty and I am entering a debt management plan, and to contact CCCS to arrange repayment of the debts. I don't know if this will get them off my back, but I will let you all know. So far I have found CCCS to be nothing less than excellent. If they can help me out of this mess I've got myself in, then I owe my life to them!!! Good luck to everyone.