Okay so Quick update, nothing back from the managers yet there still apparently looking into the fact i cant afford to pay it all in one go. they have manageed however to add another £80 onto the sum for interest meaning £160 in interest after its already been rolled over..... I will contest this once they actually reply to me...

OK so Quick update, Loan defaulted and the phone calls start. i try not to answer as they are just automated telling me to contact payday express which is annoying as there like every 30 min. Emails sent again and finally a reply from an actual person !I sent the income expenditure sheet but not bank statements, awaiting a decision. the thing is i am left with nothing now this month as all my money has gone on Pay day loans so they cant have anything until next month.Thinking about joining a debt management company as i thought i could solve this myself but i offered too much to the other companies Advice on DMC are appreciated

Hi Alice, thanks for your advice, the loan will default tomorow, i did have some emil back but there just all the same : Thank you for your recent email. Unfortunately we are unable to continue with your repayment plan application. We are unable to set a repayment plan unless one of the criteria’s mentioned in our previous email has caused yourself financial difficulties. However there are other options available to you to help clear your loan, such as our clear and extend program or deferring your loan until you are in a better financial position. Should you wish to discuss these options or your account please call our office on 0115 908 1163 and one of our advisers will be able to assist you. Please do not hesitate to contact us should you require any further information. Regards, Payday Express No doubt they will start ringing in the morning ill just tell them to check their post. Does anyone know how long it is before they pass the debt on? I cant believe they are so difficult all the other companies were fine with a months interest there a joke. Thanks again

Hi Like a lot of people on here I managed to get tangled in the payday loan web... after a lot of emails and interest I managed to set myself up on a payment plan for most companies apart from Payday express. They say that in order to be set up on a payment plan and interest to be frozen I need to fall into certain categories, I explained I was in financial hardship due to over commitment to payday loans and that it's the reason I can not afford to carry on with the roll over (£100) a month.I would like to come to an agreement with them to pay back the £400 I owe however they don’t seem interested. I have candled my cards and they no longer have my details so wont be able to get any money but what do I do next?If anyone has been in the same situation and can offer some advice I would really appreciate it.Many thanksShev