I will do. Thanks 42man.

Wonga's is due on the 5th Nov. I've been holding off sending them the repayment plan letter until nearer the date, as I've read it's best to contact them on the default date.

Hi, I've just registered with this site so I can thank all you guys for your help. I got myself into the stupid position of a payday loan hell, with 4 lenders PDUK, QQ, PDE and Wonga. Thanks to all the advice written in this forum I've been able to word emails correctly/ set up another bank account, and have made repayment plans with 3 of them, just wonga left. It is a great relief to be able to start getting my finances back on track and it's thanks to all the posters on this forum I've been able to do it relatively painless..lol It's a comfort to know your not the only person going through this nightmare, but that there is a light at the end of the tunnel. Keep up the good work guys !!!