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Full and final offer rejected wage advance

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I took out £200 loan with wage advance just after Xmas. My monthly payments are £72 approx. I telephoned today to offer a full and final settlement and my offer was declined because not in arrears. I explained my circumstances have changed. The only offer they made was to force it into arrears and redo an affordability assessment and then make 6 payments . Every payment made is interest only the final payment is the loan amount plus interest (£272). Any advice appreciated

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