Hi all, This is my first post on here, but I’d really like to use this as another step in a life-changing day. My story is no different to many others on here, I’m sure, but I’d like to go a stage further and admit that the problems I find myself in are self-inflicted and stem from a gambling addiction that I have let creep back in to my life after many years of abstinence. So, I’ll understand if you choose not to offer help and advice, but equally, I’d ask that you don’t respond with insults, as I can assure you I have enough self-recrimination to cover everybody. In a nutshell, I’ve fallen horribly into the pay day loan spiral, to the tune of about 5 grand, after constantly rolling over 7 different loans for many months. After realising that I couldn’t even cover the interest payments this month, I began scouring these forums for help and advice and came across the conversations about Continuous Payment Authority and the possibility of getting the bank to stop these payments, whilst I considered how to go about creating repayment plans and getting out of this hole. So, I set off to my local bank this morning and sat down with a lovely girl who had never even heard of CPA and suggested that it was unlikely they could do anything for me. I was considering going down the ‘legal’ route and creating a fuss, but instead I was invited into the manageress’s office and we sat down and began talking. After looking through some of my online transactions, it quickly became clear that the cause of my problems was my gambling habit, but rather than chastising me, we talked for 30 minutes openly and frankly and I have to say the advice she gave me was above and beyond the call of duty. Our final word was to make an appointment for August 1st when we will review my account, under the proviso that there are NO gambling transactions on there. And so, to the problem in hand. Pay day tomorrow and the vultures will be after their money. The trouble is, there won’t be any, as my wages will be going elsewhere. So, presumably I will default on all of them and the horror of the phone calls, texts and e-mails will begin. I’ve made my bed, so now I’ll have to lie in it, but the advice I am really looking for is: 1) Once I have defaulted, should I use PayPlan to try and sort out the mess? 2) Should I contact everyone myself? 3) The wages going elsewhere is just a temporary fix. I CANNOT get another bank account, but obviously if I have any money in my account it will be swallowed instantly. Does anybody know of any alternatives? Think Bank? I have a genuine desire to sort my life out and get back on track and will be returning to the GA group I went to for years again next week. I also genuinely want to repay what I owe, but will be massively grateful for any help I could get from you guys. Thanks for reading