Just wanted to say I too took out a couple of payday loans from Swift sterling, the first couple i was able to pay back but the 3rd I couldn't. Swift sterling kept ringing me and I was offering monthly payments which they wouldn't accept. Then the calls from CRS started, the texts are driving me mad on average 3-4 a day! Some very rude rude rude lady called me on the 11th of January and when I explained my situation she said that they couldn't enter into a monthly payment plan, the whole way through the hopefully recorded conversation I kept saying I was offering to pay. The final insult was when she told me I shouldn't have got the payday loan if I couldn't afford to pay it back! hmmmm. Anyway phoned them this morning they are still not prepared to enter into a montly payment plan as they only have the accounts for 30 days thank god! Hopefully Clarity who are very accommodating will contact me after this time. Just hold on in there if you are experiencing the same!