:-DHe he he - thank you!!

Thank you - I have it all on email and have refused to call them at all - I cannot make outgoing calls on my mobile and can't call them from work. I did try a lower amount but they wouldn't have it - so I can just set up a payment anyway? I shall do that and stop trying to negotiate with them, as they clearly won't negotiate! You have no idea how much you chaps have helped - thanks so much. I look forward to the day that all this juggling is over!

Thank you again - sorry for being a worrier!

Just a quick follow up - once they know I have cancelled the DD are they likely to be able to take any form of legal proceedings against me? Thank you!

Thank you so Have just spoken to the bank - cancelled the DD and they're putting the money back in - had no idea it was that easy with a DD. You chaps just made me very happy. Thank you.

Thank you all of you for your really quick replies - it's massively appreciated. I had no idea a DD could be reversed even though I have requested it - though it was just onj the off chance and I wouldn't get it. Thanks so much! I will obv. cancel the DD and set up as you say. Some creditors have been OK and am paying them - these people have been hell. I realise at the end of the day I only have myself to blame but believe me I did try all alterrnatives before going to them. I will remember NOT to write for help before checking DDs in the future - I feel so gullible. Thank you all of you for your help - will post back when I have an answer.

I am workking - so no help there - am stuck in the middle, not earning enough but too much to get any help. I have tried all I can to get out of this mess. I have messaged the bank but I doubt they will help.

I did cancel my card but unfortunately they were a DD which I stupidly didn't reember (I have been trying to fend off quite a few creditors) and they're just taken it out - I will cancel it now but feel completely shafted - I have been in constant contact with them and have offered to pay at all times. I just don't know what to do - am at work and feel completely awful and am at my whits end.

I have been trying to set up a repayment plan with them as have found myself in financial difficulties. - I sent them a complete excel sheet with outgoings etc. together with a letter requesting interest freeze and an offer of a small monthly amount which they would not accept - I suggested a higher amount than I had at first offered when I wrote to them - they kept saying it was not enough (£20 a month - my debt approx. £580). They have just taken it directly from my bank account - as that's how it was set up right at the start of the payday loan agreement. I can't pay my rent, I have tried to negotiate in all the right ways and now I am depserate and don't know what to do. I have been in constant contact with them from when I first requested a payment plan and freeze of interest. Can anyone help please - I am depserate!