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Hello, this is my first thread

I have read the threads on this site and found them to be very useful.

This is my situation...


Okay so i took out some payday loans stupidly i know,

one with wonga which they have kindly set up a payment plan for, i had no hassle with these atall! very helpful

another with Payday express which i can pay off next month

another with wage day advance which i can pay off next month

So yeah all them are sorted after i worked out my finances a bit, although if it wasn't for wonga helping me out i'd be in a much worse situation. I spoke to wonga on the phone by the way and they were instantly helpful.


Okay so my main problem is Payday Uk, i rang them yesterday to see if i could set up some sort of arrangement with them

i owe them around £430 so i wanted to know if i could pay them off in 4 months but they weren't having any of it!

they said i had to default first before we could come to an arrangement of any kind

My only choice was to pay £87 to roll the loan over to next month, they said i can do this for 6months but it doesnt take anything off the loan which is frustrating.

i read on the forum somewhere something about only having to pay the initial loan and one months interest. I would really appreciate it if someone could give me some advice on this matter

I don't really want to default as i haven't defaulted on any of them before and don't really want to start.

Thanks :)

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Of course they will offer to rollover your loan, thats 87 quid a month for them for doing sod all. I would default then make them an offer of what you owe over 4 months, not a penny more. They may try to resist but I think they will ultimately come round. However you will need to cancel your debit card (if thats how they collect the money and ask for bank details to repay them

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