It was a £400 pay day loan from speed credit. When decided to sort my debt out I stopped paying them and they have sent me numerous letters in different companies such as Marshall hoares aswell as NDR. I know they are all one company!! I set up a payment plan in July for 40 pounds a month. They are the last of my debtors to be paid in full but it seems the £1140 is a little steep! I wanna get them paid of but I can't afford all that in one go. Do I just keep paying them the £40 a month and forget about it or try to barter with them?

I currently owe them about £1100. No idea how as my original loan was 400 quid. I've been paying them 40 pound a month but as I've now paid the rest of my debt off I'm in a position now where I could pay everything off In one go. However Im not happy about the charges Etc added to the account. Anyone got any ideas the best way to get these reduced or shall I just stick to paying them 40 a month. I would like to clear it because I've worked my butt off this year clearing 7.5k of debt be a shame to just leave this one hanging around. Any help would be greatly appreciated

Thread moved where? Sorry new to all this ...

Sorry error in posting. Bite the bullet and enter debt management with CCCS. All Other creditors have accepted apart from these people above. They are threatening court action and home visits within 7 days now. I live in a shared house I don't want this. Ive explained to them already I'm Paying all my excess cash into my plan but they won't accept it. Im thinking shall i just say to them take me to court?? I know they won't win but they pushing me to despair any help would be great thanks

Sorry error in posting. Bite the bullet and enter debt management with CCCS. All

I've recently got into about 5 k of debt. Most of it being pay day loans. I decided to bite the bullet and s