Hi, At the momemt I have aroud £1500 with Quick Quick, the original capital borrowed was about £600, the rest is late fees and charges, I am only able to pay the finance charge to extend the loan to be able to live every month, Ive dont this about 10 months in a row now. From this forum, Ive learning I can get them to freeze the debt and pay a solid amount each month to pay of the loan, but am not sure the best of doing it, could some one point me a in direction for a letter sample? I figure I can pay £50 a month to start and once I am trained in my job and getting full pay I can increase the amount later on, would it be possible to get the total amount reduced as well or a I stuck with the current amount? Also I dont know if makes a differences but when I took the loan out I had an IVA does this help in anyway? Thanks for any help and advice in advance.