ive had a reply to my email, it says to ring them or go on their live chat, go on their live chat and theres nobody available...

still had no reply to my 2 emails and nobody is available on their live chat. should i just speak to them on the phone or carry on refusing too?

I have a loan with them for about 120 that was due on the 30/11 - 2 days ago. I also have 4 other loans, 2 of which i am on repayment plans for. In total i owe about 1500 to these companys and i currently earn about 120 a week so as you can imagine im finding it hard to pay them back. Anyway i told 247 moneybox the day before it was due that i wouldnt be able to pay it is there any chance we could make arrangememnts for a payment plan, to which i was told to leave it until it had gone into arrears and then phone up. Well i dont want to do it over the phone so i asked for an email adress, they gave me one and said this is for customer services email them and they will ring you. I said i wont answer their calls. I have emailed them and had no reply. Now they have started ringing me at 7.30am on my mobile and landline waking all my family up!! what should i do next?