I have a loan with QuickQuid for £625 which is due to come out of my account on 1.6.12. I have rolled it over once but really just want to pay it off now, which I can't do without a payment plan. I went on live chat with them last night and they only offered me a 3 month payment plan which I can't afford. My worry is - if they try and take the money on 1.6.12 there won't be enough in my account - will they just take what i have got in there?? I've read on here that the best thing to do to get a longer repayment plan is to default and then set one up with them. Help please!