genrally, these companies decline the invite of a payment plan because, we all signed the agreemant saying we will pay back in a month or so. i dont mind if they chose not to accept it, they dont have to, but they also know, after so long it becomes more expensive for them to chase me ,and pass it over to a dca... ok, its going to look bad on my file, but then again if i had a good file i wouldnt need a payday loan.. il keep you posted on my outcomes hopefull il get a nice arrogant dca who i can wind up with minimal payments per month.

court, haha... they wont go to court....it'll just be sent to a dca...im in the proces of defaulting...had enough of roll overs. ok, so its gonna cost me more but il repay what i can and they will have no choice to accept. and hay if it went to court so what, its unsecured, you'll get some little fat bloke come visit, tell him no mate, you can have this a month or f**k all:) dont worry youselves. your not gonna go to prison for it, they wont take your home, they cant take your stuff(say its not yours) Aoe, pfft if they want....

as for the phone calls, answer them, if they become arrogant just laugh at them....

Hi all, im new and another statistic. I also have got myself in a pickle with payday loans. currently i have 5. im close to defaulting on 1, from pdex, iv sent mail after mail and phoned them....currently its at £770, and when i miss the next payment, likely to be nigh on 1k. iv told them now just send it to a dca...i dont mind, thet have no choice but to accept the 50£ pm il offer:) i have a pduk which im paying...just and a rather large wonga loan, which il probably miss a payment on then get in contact...offer as much as i can. and a few other small ones.. iv thought about a dmp, but hay, let it go to dca, offer them payment and they can not refuse. If your looking at stopping your card, ring the banks fraud office...dont say you lost it say your card details have been stolen/compermised and you want any authorised requests stopped asap. look, they cant do anything, eventually they will send it to dca then negotiate with them if your lenders wont play ball....