Just wanted to thank you for posting this, I am currently struggling with wonga and it feels like your the only one when in this situation, I'm hoping I can arrange a payment plan with them as I do want to pay them back, but I'm guessing by your post it's better to defer the load to get their full attention, I will try and call first before this and see what they say. Thank you for your advice and hopefully I can get myself out of this depressing situation.