Finally I'm admitting that I cant keep paying back each month only to borrow again the next to replace the money I need for bills. I sent both companys and email saying I am not in a position to pay the full amount outstanding and wish to set up payment plans. I've read a bit on various websites that looks like I'm going to be in for a lot of hassle. Can anyone advise what to do now and tell me what to expect? They are both due to be paid this Friday so what should I be doing to cancel them?. I'm starting to panic now expecting to be hassled at my work which I can get in a lot of trouble for etc. Any advice would be much appreciated!