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So this is debt 3/8 ( god knows how I managed to get myself into so much trouble, young age and a need for a lavish life style has played havoc with my credit rating and now my finances ) There isn't really much to say on this one ... I got a loan from the infamous Wonga.com and due to being made jobless I was unable to pay it back on time. It then got passed onto Moorcroft who have accepted my offer of £5 pm with out much hassle from them. Would I be able to send them a CCA request letter ? Or does this not work with payday loans ? Thank You