Hi all, What a great forum, only joined today as I see there is a lot more people in the same boat as me, A while ago my partner lost her job so there was less of an income coming in In total I have 3 Payday advance loans, these are split as follows H&T Pawnbrokers - £600 (This is cheque based rolled over every month @ £96 Rollover) The Moneyshop - £750 (This is also cheque based and costs £120 every month to rollover The Cheque Centre - £500 (This is debit card based with £100 to rollover every month) My biggest issue is that I am able to cover the renewal fees for these each month but I am not able to clear any of the debt off which is my problem, The biggest problem I have is tht I have a perfect credit rating and I am scared if I try any of the repayment options suggested on the site that they will black mark me as a default or settlement, Ive have never missed a payment for anything in my life but have exhausted all other options (personal loan etc before getting these pay day loans) Any suggestions would be a great help or even if anyone has any experience of these companies and what they will do take, I really need to keep my credit rating good so thats the biggest aim over repaying the debt, thanks Thanks Craig