Hi all! I've been browsing the forums for a while now for info on how to begin tackling my mass of payday loan debt. It's nice to know I'm not the only one who has suffered at the hands of payday loan companies, and the site as proven highly useful so far. I'd be at my wits end if it weren't for your excellent advice, but I've decided to post about my own problems to get some help tailored to my own circumstances. I haven't told anyone my problem, not even my fiancé, but just sharing it here is a huge weight lifted. I currently owe various companies a whopping £2751! I won't bore you with the details of how I've gotten into this mess, but I just can't believe I have been so stupid as to let this happen. I'm really starting to panic and to worry as it's now become out of control. Here's a breakdown: WONGA : £1147.42 due today QUICK QUID : £562.50 due 5th Dec PAYDAY UK : £312.50 due 5th Dec PAYDAY EXPRESS : £312.50 due around 25th Nov WAGE DAY ADVANCE : £310.80 due 2nd Dec TXT LOAN : £115 due 19th Nov SPEED CREDIT : £301 due 20th Nov (I think this is Toothfairy, who I've read are a nightmare) My hours have been reduced at work, which is why I can no longer afford to pay these or continue to roll over and pay the interest. I have around £200 spare each month to divide between them. Wonga emailled me to this afternoon say that they have been unable to take the repayment from my account. I reported my debit card as stolen after this email was received, but cannot close my account due to an overdraft. I have sent Wonga an email explaining that I would like to set up a repayment plan, paying £80 a month. I used one of the templates from this site, asking them to freeze interest and to not add charges to the account, and stating that all further communication should be in writing. No reply as of yet. I get paid four weekly and the dates are a bit weird (7th Nov, 5th Dec...) I need some advice as to how to tackle the three loans that are before the end of the month. I've just been paid, and my account is now empty due to paying off and reloaning, or paying their extortionate interest rates. I managed to salvage about £100 to live off for the month, but what do I do about the loans, as I currently have literally nothing to offer them until I get paid on 5th Dec. Also, my council tax is in arrears. I have lost the ability to pay in instalments due to simply forgetting and paying my tax late on several occasions. (With juggling payday debt, I forgot to pay online and they've had to send reminders) They are now asking for the remaining council tax for this year to be paid in one go, which is £342. This is due tomorrow. I have contacted them explaining my debt, and asking if there are any other options available to pay in smaller instalments, but I think it's too late for this now. I am yet to receive a reply though. Can anyone advise on how to tackle this or is there somewhere else I can post to ask about this problem? I know I should have done something about this earlier, and have only myself to blame, but any help will be received with thanks, as I'm upset, angry with myself and extremely scared