The only late payment fee I had was with SS. I contacted the companies by email the day my payments were due to tell them what I was doing and PDuk and Wonga froze my accounts whilst awaiting ref no from STC. They gave me 14 days. SS added their fee straight away and then rang me but they were ok on the phone and froze the account then. All my statements show no other late fees on them.

Hi. The arrangement I have includes the interest I had incurred on the loans.I had not defaulted before this and the only company who added a default fee on were Swift sterling. TBH I was just glad that the interest had stopped mounting up and instead of me constantly rolling over my loans I am finally reducing them and eventually getting them paid off. It has been a very hard lesson for me to learn, but i will never go near a PD loan again. Just glad to have the stress taken away:)

Feel i really need to add to this forum as I to got caught in the Pay day loan cycle!! I had loans with Swift sterling, Wonga and PDUK. I had read many nightmare stories about companies taking money out whenever and nuisance phonecalls so here`s my experience. Last May after months of rolling over my loans and therefore incurring loads of interest i decided I could no longer continue with the endless worry so i Phoned my bank and reported my card as lost. This stopped any payments going out straight way! Then i contacted Step to change ( formerly CCCS) and set up a payment plan with them. I had a couple of emails/phone calls from the companies but once I explained I had gone with STC they were ALL fine and just asked for my STC ref no: Since then I have had no problems what so ever. The interest has been frozen and STC deal with all correspondence with these companies. I pay them a monthly amount ( which has about a year to run) and it has taken all the stress away. I just wish I had done it months earlier. So PLEASE anyone in this situation contact Step to Change or any other debt charity and get your life back. Really hope this helps people:))