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I am a little confused on what to do here. I took out a loan with Payday Express over a year ago now for £500, Since then it has been passed on to a debt collector working on their behalf called CCM, I've been making monthly repayments to them of £75. I have paid off the original 500 and now just owe £175 for the interest. In November I missed a payment of £75, I was waiting until they contact me to put it back in place. However... I am still waiting, it's been 3 months and I've not had one letter or call for them asking for the outstanding balance. What should I do here? I've paid the origina