Similar to the poster above, I am wondering what the process is with the payday loan companies and if anyone has had any success dealing with them to negotiate a repayment. My credit file is not in a good way anyway, so if I have to take a risk on this by cancelling my debit card then so be it. The companies I have loans with are called Wonga and QuickQuid. On their websites the only thing I seem to be able to do is extend my loan. In Wonga's case they want over £200 in interest alone for one month to make this possible. If anyone has had any success in dealing with these companies, I would be grateful if anything could be posted in here as I am really struggling to say the least