I hate Wonga and myself for being so thick as to take out a PDL (no offence intended towards anyone here I promise), but needs must at the time and never thought for a moment I would get caught up in that never ending cycle of borrowing. I am now at the point where my whole monthly income is owed this month!! I have been to the bank today to cancel the CPA (not much joy with that really; bank said they would write to Wonga on my behalf). I have emailed Wonga this evening with a proposed payment plan. What do you thin my chances are and how do I stop them accessing my account for full payment as usual this month? Thanks in advance for all advice x