Wow thats great, im really pleased for you. Im in a pickle myself but after joinin here a few days ago and 'reading up' on how things work im hopeful i can get myself back on track. I too have to arrange a repayment plan with wonga near the end of this month. Hopefully will go ok as its nearing xmas so need to get myself in a manageable position with my finances

Well i cant pay anything at all till my payday so will just have to accept that my total repayment will be £773.89 not £669.94 which it was when i first made them aware i was struggling. would it be cheeky to borrow another 250.00 about 4 days before my repayment date THEN the day after officially apply for a repayment plan. would mean i would have an extra 250 'in my pocket' before commencing affordable repayments

Received reply from wonga.... seem quite open to my offer of staggered repayments BUT told can only apply for such a plan online 3 DAYS before repayment date.... Very clever of them seeing as they know that interest keeps going up and up till then. guess its to prevent people borrowing hundreds of pounds then day later saying they cant afford to pay and them only accruing a days interest on what was borrowed

Thank you for your advice, much appreciated.. i was thinking i need to cancel this cpa authority. never done this before so wondering how much of a hassle it may be. I was thinking its just easier to report my card lost and get it cancelled? my new card would have a different security code and therefore wonga can definately not take out any money from my account on 31st?

So what happened next?

Very good first contact to wonga.. i emailed them myself yesterday offering a repayment plan... not had a responce tho yet

Hi, i also can emphasise with your situation. would be interested to know how things turned out for you?

£669.94 is current balance. How many repayments would they be likely to be willing to accept. i was budgeting over 3 months but thats gonna leave me having to scrimp n save over the xmas period. would they be likely to accept repayment over 6 months? ive got greenwoods n provident breathing down my neck too so its a stressful time at moment!!!

Ive looked at my wonga account and it says ring a number to discuss financial difficulties with them. From reading threads on here everyone says do not phone its best to have it in writing. The only email address i can find is . Is this the best place to start and see how it goes?

Hi everyone. help please! on my payday (31 oct)

im due to pay wonga almost £800.

I realise i cant keep paying back the full amount every month cos im just having to borrow up to £600 the following month just to survive till my next pay day.

im seriously thinking i need to arrange some kind of repayment plan.

Ive read i can only request this 3 days before my payment is due which is worrying me as they may not reply and just take the full repayment on my pay day?

Im with HSBC, do i have to try and cancle the CPA?

Ive given CPA to the money shop and also pounds2pocket so they will be taking a total of £205 from my account which is fine.

I dont want my bank to reject these requests as no doubt that will mean getting charged by them

Would be interested to know how things turned out for you...