HI i have been reading all the comments re payday loands as I have found myself in similar situations with these payday loan companies I was dreading calling them to tell them that I was finding it very difficult to pay the interest payment let aloan paying any of the remainding balance. I have five active loans, i am not proud of it though I fell in to the trap of applying for one to pay off another with the amounts increasing each time to where i am now... I have one with cash genie of 350 which I am hoping to afford this Friday. I will be leaving mysellf extreamly short though I do not want to roll over this one and pay in full. The other is with 24/7 Money Box which I got to tide me over as I left myself short last time with paying interest etc on others... The big ones which I was most concerned about where £625 to Quick Quid £545.92 to Pounds Till Payday £500 Payday Express From the comments I have read I thought I would not have a hope in hell's change at negotiating with them etc as before when I was having difficulty with a previous loan from Pounds Till Payday they nearly left me crying as to how the guy spoke to me on the phone. I am with a debt management company, they are really good at these things though when I called for advice last month they said not all Payday loan companies accept debt management companies calling etc so that would leave me try and trying each month to pay interest and not paying these companies any money to clear my debt. Today I thought I would call them all and tell them that my circumstances had changed, i said I was finding it extreamly difficult to pay amd wanted to nip it in the bud now and be honest than let things slide, miss payments and incurr charges etc. I did not give them a story, they did not ask personal question as to why I couldn't pay etc which I was amazed at. This is what they said.... Payday Express... I asked them for my reference number with them as I could not afford paying interest each month, I had a debt management company in place who could contact them or I could try and sort something out with them today. The lady gave me the details that I asked for to pass on to DMC I asked if I would have to keep up interest payments and the response was to contact my DMC to forward my permission and they will negotiate! What a relief! I am awaiting a call from my DMC so will keep you updated if the calls stop. PoundsTil Payday... I was dreading this one, I went through to payments and spoke to Christinr Quinn, i said the same to her and she asked me to get my DNC ref number and call her back with it. I called again and asked for her, another lady said that my DMC was on the other line speaking to her already, (good work, thanks Debt Stop Direct! - they obviously followed it up straight away) they put my ref number on their system. She said all interest etc is now frozen and I am to ignore all future dates I should have paid them all calls and correspondence will stop and I am to contact my DMC for updates!! What a result! Quick Quid... This call was before I had the idea of trying to put them on debt management. I explained the same situation, didnt mention DMC but said I want to pay it off asap though cant afford interest repayments etc. I was due to either pay full amount or £125 this Fri. She put me on a pre-default programme which means after three months it is paid off in full, they have split the amout to £208.33 starting November 10th so I do not have to pay anything at all this Fri just repay £208.33 for 3 months starting November! No extra charges, no extra interest. I have to keep strictly to the programme and not be late or miss but means in Jan it will be gone, I would have still been paying interest only on this for god knows how long! I could have maybe put it on debt management though I don't want to jinx my string of good luck today. I just wanted to post this to tell everyone that there is hope and now you know it can be done, if they are saying they 'can't do that' you know now that they just don't want to do it. Wishing everyone Good Luck with this and this is a valuble lesson to me never to touch these companies again I have wasted sooo much in interest. I have not cancelled my cards yet as hopefully now as this is all logged on the system they can see I have set this up if they do or if I have any further trouble I will let you guys know, though fingers crossed after today this can be the end of constantly re0jigging my pay, worrying about my normal outgoings and start using my money wisely to my advantage. Thanks A.J