OK I have decided to negotiate payments with this company as we simply cannot afford the 3 loans we have (Wonga QQ and P2P). In June I negotiated a repayment plan of 4 x £91.12; however, as I said we cant afford this. Since I missed payment I emailed them explaining situation asking not to phone and to write only, offering a £20 per month repayment for the next 6 months. Nothing was received except emails notifying me of overdue payments. In the meantime I posted an I&E sheet with offer of repayment. 5th August email received saying "sorry to hear experiencing financial difficulties" and that I am "able to make payments of any amount at any time, however that does not set a payment plan arrangement. Collection activity will continue per your contractual agreement." The same day i received an email asking me to contact via live chat as "procedures will continue until an acceptable payment arrangement is made" 8th August - letter of overdue payment 19 August - letter of overdue payment 22 August - letter of overdue payment 27 August - letter of overdue payment 30th August - "Please be advised we have not received your debt management details nor your income and expenditure form. Please forward this so we may better assist you" Then today received: "This email is to remind you of your severely overdue loan with QuickQuid. Payment on this loan needs to be made immediately. If we do not receive a response, we will take that as a refusal to pay and will take appropriate collections measures which include, but are not limited to, the use of a third party collections agency. We value you as a customer and would like to help you resolve this matter. Currently, your balance is £194.24 and FULL PAYMENT MUST BE MADE IMMEDIATELY as your account is over 60 days past due. Please understand that this message is very urgent and requires immediate attention. Please contact us immediately to resolve this matter. We have already sent you in the post a statutory default notice and Office of Fair Trade leaflet as required by the Consumer Credit Act 1974." Any suggestions how to proceed?