Thank you all for your advice. I am worried about Santander still letting the companies take the money from my account as I will have some paid in on the 27th and dont want these companies to raid my new account before I can do something about it. I will go and try and open one of the basic accounts somewhere else tomorrow. I am starting to get nervous but have put aside the money to repay MiniCredit as they seem very scary and not willing to accept any payment plans.

Hi I have 7 payday loans with Wageday Advance Text Loans CountryWide MiniCredit Wonga Payday UK Payday Express I have been rolling over loans for months and am not able to keep up any more. I bank with Santander and went to them yesterday to close my bank account and open a new one with them. After reading some of the forums I wonder can these companies raid my new account? Also, I have account details for all of them apart from MiniCredit and Countrywide. Does anyone know the details of either of these? I should have known Countrywide would be slippery after I applied with them and they wanted to know my telephone banking passwords for Santander! I just told them to call me later as I did not want to give these out and then they processed my loan anyway! Is there a template e mail to contact these companies to default? They are all due to be repaid on 27th July and now I am panicking if I am doing the right thing