I have actually 2 loans totally £700 which I can't afford to pay back to payday company's:sad:,,on top of about £3500 to other creditors, including Tax Credits who say they Have "overpaid" me by £1160, what is the best thing to do about the pay day loans as I'm dealing with the other debt myself, I'm totally lost and desperate, My income is only £1000 a month as my hours at work have been cut, please help I don't know what to do, it's making me so ill with worry.