That's why I asked for a rollover whilst I bombard them with e mails reqesting a repayment plan. They agreed to the rollover, so thereby cannot 'thieve' the lump sum. I will "lose" my card however, and only give the new card details to the ones I am in a repayment plan with..

Frugal, thanks for the advice, I will follow it and nag he hell out of them

Renegade, I can't let anything default, because I fear they will take it out lump sum style. I have a joint bank account with my partner and cannot entertain closing it down and going throughball the advice of parachute accounts, "stolen" cards etc, as my partner cannot find out. I have turned these debts around quite a lot, it's just that PDE is the final hurdle.

Frugal, excuse my ignorance, but how the heck did you manage to get Pay Day Express to accept a repayment plan. I have tried through repetitive e mails to get them to accept a repayment plan. They did the usual and asked me to provide proof of hardship with every reply, and I perservered and said that I was not willing to do so, except to say, I simply could not afford to repay. I offered what I thought was a reasonable £40.00 @month, but they still refused. Is there another way in? This has been going on for a month, and in the end I relented and rolled it over, paying the £70.00 interest. I have loans with the following: Mr Lender - accepted 19.00 per month Cash Choice - I now only have 3.95 to pay after an agreement Money In Minutes - accepted 20.00 per month Early Pay Day Loans (EPDL) - accepted 20.00 per month 1st Stop - accepted 70.00 for 4 months Last year Wonga accepted 100.00 per month, until it was paid off, which it now is. The only one who will not budge is Pay Day Express......what do I have to do?