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Newbie and wonga help - cant sleep

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i'm happy i came across the consumer action group,


i've read alot of stories sharing alot of what i my self is having problems with at the moment which helped me make a start to the difficulty i am in with wonga pay day loan,


i wrote and sent email to several of the email addresses i came upon on some posts here and i am lost a bit what the next step i should do,


i have difficulty sleeping as cant switch off thinking about this all time,


but i feel good i am writing my first post here and i


am going to try sleep as my alarm is set for 7am to get the kids up and oganize for school.. take care

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i have defaulted loan which was due to be paid mon 26th nov, i sent them an email on sunday saying i was unable to pay due to change in my circumstances and that

I ask if you would please agree to accept the only offer I can make of £10.00 per month for a period of 6 months then review my circumstances but if my circumstances change before this time I will contact you, also I ask if any interest or other charges are going to be added to my account that i would be grateful if you would freeze these

so my debt does not increase further.

Didnt hear anything back but got texts & emails asking for payment or i would incur charges and that they will continue to try collect payment, they have been phoning lots but i've not answered, i then get an email from a Kris Clarke asking for me to complete an online income and expenditure form and said Please note: interest, charges and attempts to collect payment for all or some of the outstanding balance will only be suspended once you’ve successfully set up a repayment plan... i havent got back to them and i know i dont need to fill in there online income and expenditure form but i dont know what to do now and they cant get any money out my bank as i had changed my benefits from going into my bank acc to getting them paid into my post office acc as knew they would swipe the lot and couldnt risk having no money with 2 kids to look after... i better try get sum sleep will be back later tonight

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