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  1. Hi i have foolishly fallen into the payday loan pit, by borrowing once i have had to borrow more and more and more to pay or keep up with repayments. I have been offered by a debt management company for them to consolidate the loans and pay them instead over 2 years. This will cost me an extra £1000 in interest/admin fees. Also the first 2 months worth of payments(£200) will be held back by the debt company for what reasons i do not know. Also they have said that after all this wonga, pduk etc may not even comply with them anyway. What do i do? Should i trust the debt company or go direct to the payday loan companies and try to sort it out myself?
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