I owe them 500 pounds technically. However, they are now adding interest and ignoring my e-mails. If I knew they would freeze interest I would make a token payment. I have considered going on a national debt line DMP. If this would stop the hassling phone calls and e mails I would sign up. I do have substantial non priority debt. However, every creditor has accepted my repayment plan. I am slightly cautious of going on a DMP as they told me I would not be able to put money away. (to save) They said savings are considered a luxury. I have one daughter who is at Uni and I had to help her with the deposit for her flat. My second daughter will start Uni Sep 2012. Plus I have my youngest daughter too. I am curious as to why Payday Express make people suffer? Pay day loans can be dangerous. In some States in the USA they have been banned.

I think the important thing is to keep all your e mails. So you have proof of all the offers you have tried to make. Its almost as if they are trying to grind people down!

Thank you for your reply. I have now complained to the CFA.

I am also encountering problems with Payday Express. I am on medication for depression which makes matters worse. Has anyone complained to the OFT? All my e-mails are ignored. What I can't understand is every non priority creditor accepted a repayment plan. Why are Payday Express so different? Are they trying to grind people down?

I am also having a dreadful time with Payday Express. I am on my own with three teenagers (one at Uni). However, I will never ever make the mistake of using a payday loan again. I have e mailed around 15 times (I have saved all emails). I am offering to repay the balance over six months. However, they refuse everything. I am making a big effort to turn my life around again. Every non priority creditor has accepted my payment plans. However, Payday Express refuse.