Hello everyone. This is my first post on the forum, I have read through a lot of the posts on here and wonder if you could offer me some advice. I have fallen into a similar trap to most. Taking out payday loans to repay other payday loans etc, but have now reached a point where I realise enough is enough and I need to try and get my finances in order. I have entered into a dmp, but they are flat out refusing to even negotiate with Minicredit saying I will need to handle the debt myself. I posted a letter to my bank removing all CPA from the payday loan companies including Minicredit. The next thing I did may be very stupid, but seemed like a good idea at the time. I came into a bit of money so decided to use it to rollover the Minicredit loan, giving me at least a bit more time to either negotiate a payment plan or scrape the money together to repay the loan. Over the next few days the bank had honoured the CPA request and returned the money paid to Minicredit back to my account. I received a text from Minicredit saying I had made a fraudulent charge back and they had the right to start legal action. Today the debt has been passed straight to Opos who are asking me to contact them to pay. They have already started adding charges for the debt being passed to them. I want to pay the debt. I took out the loan fully intending to repay. I thought I was doing right by entering into a DMP but now the situation is causing me real headaches, the situation is escalating quickly and I don't even know where to begin to negotiate with these people. I would really appreciate any advice you could offer.