Hi Guys, Brand new to this site, but it has already helped me so much. It iscurrently 6am, I've not slept. Too stressed, worried and sick. I've been stuckit payday loan debt for ages and barely staying sane or knowing how to dealwith it. It has been going on for years and getting progressively worse. Feltstuck, helpless, ashamed and constantly anxious. Its got to a point now where I just cant take anymore. I feel a completefailure for even getting involved with these loans, but it seemed to be onething coming up after another. Then having to afford the interest charges....so another loan would be needed. So I spent around 2 years in self pity andworry. It was my fault for getting myself into this mess, so I felt I wouldhave to suffer and figure a way out myself.... just buried my head. I came across this website the other day, and I can not express my gratitudeand appreciation for all the advice. If I could just outlay my debts and what Ihave done, please could people let me know if I have done the right thing?? I came across this website the other day, and I can not express my gratitude and appreciation for all the advice. If I could just outlay my debts and what I have done, please could people let me know if I have done the right thing?? (F) Credit Debts Balance Offer (monthly) Note (4) Quick Quid £848.75 £38.67 Wonga £872.38 £39.75 Pounds Till Pay Day £565.00 £25.75 Wage Day Advance £600.00 £27.34 Text Loan £350.00 £15.95 Cash Genie £325.00 £14.81 Lending Stream £286.00 £13.03 Capital One £656.00 £29.89 Vanuish Visa £480.00 £21.87 HSBC Overdraft £1,052.00 £47.94 Total owed (F) £6,035.13 £275 First thing I have done is set up a new Bank Account yeserday. I've cancelled all Direct Debits I've reported my Debit Card stolen I'm taking my money out of the account then transferring it. I have now sent a Letter from the library on this site to each paydaycompany offering the amounts shown above and my income and expenditure. So Ihave asked for a payment plan. I assume that they will say no as the amountsare so small. Is there anything else I should be doing now? Thanks

Good evening folks, I have a bit of a problem with the above payday company, on the 17 December 2011, I made the mistake of taking out a payday loan for £100. to my horror, they paid into my account £85.00 charging me the pleasure of giving me the money. They then decided the total I needed to pay back was £150.00 So within two hours I sent them an email to cancel the payday loan, under the 14 day distant selling rule. I have never used them before nor will I again. So I sent teh email, as stated in the contract they sent me. and got a response asking me to do it via there online form, which gave me no written record, so I told them no, and sent the cancelation again. This is now where it gets strange, after I sent it to them a second time, again all the same day, they have totally blanked me, I have requested there bank details so I can pay them, but nothing. all I get now are you need to pay us this amount and that amount, so far they claim I now need to pay them £600+ I have sent them two letters and have kept the slips to confirm they got posted, and I have kept all emails I sent them including the ones they sent back. I'm just making sure that I have covered all my bases and have done every thing right and in my power. ie requesting details so I can pay them back, kept all records and post slips, and canceled via email, as noted in the contract. Also I need to know where can I go from here, to sort this out. its been going on now for a few months. and it now making me feel rather ill. Summary loan was £100 they gave me £85 I cancelled via email (all emails kept) got a response from them, the same day loan was taken out. Sent two letters, got the conformation slips that the post office posted them. and kept all my emails I sent to them. They now claim I need to pay them £600+ What are my options here and have I covered myself here. I'm so sorry for the long post, and the formatting, not my best point. Yours John