Hi folks I am one of the silly people who have got in to a huge mess with payday loans.I have paid off a lot of them but I have 2 outstanding ones that I'm going to have to default on. Txtloan £117 due 6/09/12 Swift Sterling £205 due 21/9/11 I have worked out I can pay them both back £20 a month though I am not confident that either will accept this offer. What I'm wanting to know is what do I do if they don't accept the offer. Do I still send the payment or not? Many thanks.xx