I have offered thema repayment plan countless times on the phone, offered to send them bankstatements to prove I can not afford to pay the lump sum but I just keep being told that at minicredit they don't offer payment plans and my interest will keep building up. What would I say if I did complain to OFT/Trading Standards? Would it not be dismissed because I am in the wrong because I haven't paid?

Hi, I am in a bit of a mess at the minute. I am 19 and stupidly decided to get involved witha few payday loan lenders, then lost my job. I owe about 580 to wonga (for a 250 loan) 373 to quick quid (250 loan) 380 to mini credit (for a 100 loan) at the time I was in employment but end of June lost my job and planning to start uni in september, does anyone have any advice at all for me please? I've phoned mini credit repeatedly and emailed countless times but receive generic replies, really getting stressed under everything at the minute