Yeah i think i will do that(first one) i cant even log into my account as they have blocked it, so i cant pay their silly amounts even if i wanted to. When the time comes and they contact me again I will offer them one months interest plus loan amount

ok im going to cancel the cpa with my bank but where do i go from here? Im so close to being debt free now I just want to be able to be 100% debt free

Last payment was April 2013 and last contact was January 2013, the debt hasnt been passed on to opos as far as i know

Basically I took out a loan with mini credit a last year november time and defaulted. At the time they were hounding me and took several small payments from my account. But they suddenly stopped all contact, stopped taking payments and have blocked my account. Where do i stand with this? Ive sorted out my payday loan hell now all bar these cowboys and dont want it returning to bite me in a few months time. Any advice would be greatly appreciated. Vinnie