I have a payday loan with wonga of 900. I have lost my job and me and my partner have split so realisticly I cant afford to pay it back in full straight away. My loan is not due for a couple of weeks so i phoned wonga and told them my situation. They told me there is nothing they can do until my loan goes into arrears. Is this true? As soon as my loan goes into arrears i can start paying off the debt asap. Also is it to good to be true that they said theyl set up a payment plan once it goes into arrears?>