Hi there, I came across this site when googling wonga and saw some really good advice. I have had a payday loan from wonga since last year, first it started off at 100.00, then month by month, it was eating into my wages by having to pay back the interest and here I am now with a 1000.00 loan with 270.00 interest. Next month Im going to have to pay back nearly 1300.00 and my outgoings are already 1287 a month so if i pay back the loan to wonga with the interest Im not going to be able to afford my own bills, or have any money left over for spending as Im losing 300 pound a month with them. Now at the point where I have been physically sick, I know its my own fault for dealing with them in the first place, I cant think about anything else and I dont know what to do its scaring the hell out of me. I have read that its a good idea to change bank accounts which I may look into doing today. My only concerns are if I dont pay them next month, or perhaps just offer them a smaller payment of 200-300 pound what will happen in terms of interest is my loan of 1000 going to turn into a loan of 4000 that will be impossible for me to pay? I have looked on their site for advice if you cannot make payments but they dont seem to have any info and Im scared to call them until I have clear in my mind what is the best route to take. Thanks