Well, one is with MiniCredit and they do not allow re-payment plans, and they'll constantly phone my work, home phone etc, which i don't need, so I'll definitely be paying that in full. The others are with CashCall, Cash Genie and TxtLoan, I'm on a comfortable payment plan with TxtLoan already, but they had no choice because I copied and pasted the amount of profit they had made from me already in the past, and it was over £1000.00 haha. I'm just sick of having to work around the PDL's, so this is why I would rather get them paid and get it over and done with.

I understand what you're saying, but I would rather pay them off first as they're a lot more hassle than the other creditors, I can handle a few letters coming in the post, but what I can't put up with is the phone calls and texts and emails and letters from the payday lenders. I only owe in total to the 4 companies around £800.00, which is why I would rather get it all cleared in one go, then deal with the other creditors the following month as I can get everything else back up to date and more. What do you think? Thanks

Hello, I currently have 4x payday loans outstanding, which I want to pay in full at the end of June, however, if I do this I will not be able to pay my other bills (Natwest Mastercard, Very & Littlewoods Account and also Orange phone bill). I am scared about not paying them, as I do not want to go to court etc, so I wondered, how long does it actually take to get court summons over not paying debts? Payday Loans are horrible debts but once they are paid I will be more than back on track with my other debts, and will be able to pay them much faster. I'm not bothered about my credit file as I don't intend to take out any more credit unless it's a mortgage, but in this day and age I don't think I'll be able to afford a mortgage for at least 6-7 years. Thanks