Hi there, new to all this and probably posting on wrong thread. I am just about to default on a pounds till payday loan as I just simply can't afford to repay the obscene interest rates. I am willing to pay them back on a monthly basis, although I am sure they are probably not keen on this idea. I was wandering if anybody had some advice or sample emails I can send to stop them calling me 24 hours a day, and calling my work (I have a professional job and this would look quite bad to my employer). Like I say I am willing to pay this back in installments and not refusing to pay my debt, but I cannot afford in one go. Also I have cancelled the DD but have heard that they could still take the money out my account anyway, is this even legal? Any help much appreciated