Hi, i must say thanks to you all to getting back to me so quickly. I cancelled my card and tried to close my account but the bank wouldn't let me unless i paid my overdraft back which is £300, so i've had to leave it open for now. I managed to get through the end of the month without wonga etc taking any money. Now the phone calls have started!! I tried speaking to mr Lender and asked if i could set up a payment plan to start getting the loan paid off and they refused! they said i should defer it then next month phone and set one up. I said well you'll just do the same thing next month and just keep asking me to defer, they said they wouldn't but i'm not sure. they also said that if i didn't defer then i would get loads of phone calls and charges even though i was trying to sort the problem out. Do you know where i stand and what should i do? Thanks Cristy