Thank you Jamie , I will do that.

Did you wait till you defaulted before emailing them, or did you do it before. I wonder how you set your email out , I am about to default on my repayments and it seems that some people are getting good responses from wonga and others are being ignored.

Hi Reading your post its as if i wrote it myself, I too am about to default on paying pay day loans, after months of paying deferral charges I have reached a stage where I can no longer do it, 5 of the 6 lenders you mentioned are the same ones Im in debt to, I have cancelled my card and moved my money into a savings account. I just joined this site and some of the advise i have read has been extremely helpful. I just want to ask if anyone has got into a debt management plan with a company , are they helpful, or will they take my money while the loan companies continue to put charges on my loans, so it will just increase the pressure rather than solve things. Ali