Hi, I just thought i'd note my experience with Wonga on these forums...I used these forums alot over the last few weeks to help solve my issues with Wonga. Firstly I don't condone these awful companies with their ridiculous APR's but I got myself stuck in a rut and couldn't help but rely on Wonga as an income for a short period of time. I got myself up to £800 in debt with Wonga, getting paid £1000 a month from my employment..... as you can imagine I was pretty screwed. I obviously missed my payment from Wonga. I sent a template letter to Wonga, detailing how I wanted to be contacted and how I wanted to go forward and why I missed my payments, the next day I receive an email saying my payment plan has been set up. Nice and easy really, I have a simple repayment plan of £100 a month until my loan is settled (Frozen interest also) Wonga isn't as bad as it was made out to be, I am certainly happy that I am out of the constant loop that are payday loans, and I wish the same for everybody else. Best Wishes Dave.