Hi, First a little background about me. I am in my early 20s and unemployed but NOT claiming jobseekers employment. I am living with my parents and do make a little money on the internet but not enough for it to be taxable. I took out my first wonga loan in November of £275 and it was due in December. I took the extension of about a week from my promised date as due to christmas I was stretched but then repaid everything in full along with the interest - around £360 - within that extension period of 1 week or so. I again took a £475 loan from them in January, and it is due within the week. Like my last loan, I wanted to "extend" this as well since I can pay around £200 to them now and the rest within the month. I went online and clicked the "extend" button but was unable to extend my loan as the site didn't offer me an extension. I then sent them an email stating that I would be able to pay £200 now (if I could extend like last time - I would have paid around £130 only now and the rest later), and asked for an extension since I paid my last loan in full as well. I told them to be understanding as I don't want my credit report to say "defaulted", and to this affect I was willing to pay £200 now and the rest within the month like last time. However, I have just received an email from their collections team that I need to fill out a FinancialAssessment form. However, I am worried about the below: I would rather have an extension where I am paying extra interest than have my credit score saying completely in default. If I pay £300 now, that will ensure that I wont be paying hefty sums again at the end of the month as some principal will be reduced. (Currently I am required to pay around £600 by the end of the week). Please advise on how to approach them and what to do? PS - The best I can stretch to is £300 (if i ask friends) but I cant go over that atm. So any help is appreciated.