[ Hi, I've noticed a lot of conflicting stories re setting up repayment plans so wanted to share mines. I got in to a payday spiral and have now set up repayment plans with the following companies Wonga Quickquid Both were very easy and done in live chat with the companies as I wanted email / proof of what they had agreed with me. If you find yourself borrowing more to pay these companies please call odr email than and discuss your options as legally they an not force you to get in further debt to pay them back. Also if they decline your payment (which they won't) then you don't need to bother with them as they are maki g it hard for you to pay back the debt. Most companies will decline your offer at firs but if you stick to your guns and explain that is the maximum you can pay they will eventually accep it. Good luck QUOTE=Samson42;4111302]Before I start trying to negotiate with QuickQuid, I wanted to post here and see what other people advise. I have an outstanding loan with QQ which I've defaulted on. The loan amount was £650, plus the month's interest which was £150 or so. I arranged a payment plan with them, or rather, they arranged one with me which I agreed to. At the time £200 a month to repay the debt was better than £160 to just roll over and try and knock some off each month. I paid the first £200, then I had some time off sick in December, and I didn't know I wouldn't be paid for it so QQ's payment defaulted, though they still cleaned my account first of £45, then £35 the day after. I've logged onto the site and agreed to pay the rest of this month's payment, £135 or so when I get paid. So my original debt will be cut in half from £800 to £400. How easy will they be to negotiate a new payment plan with? Because £200 a month is a lot for me to pay, and I've ended up having to get a couple of £100 or so loans from other lenders. I don't want to pay off QQ and still owe £800 across 2 or 3 others. An ideal amount would be £50 a month, but I don't know how realistic this is. Can someone whose been in the same situation or similar share their experiences? Thanks