I have been trying to set up a repayment plan with them as have found myself in financial difficulties. - I sent them a complete excel sheet with outgoings etc. together with a letter requesting interest freeze and an offer of a small monthly amount which they would not accept - I suggested a higher amount than I had at first offered when I wrote to them - they kept saying it was not enough (£20 a month - my debt approx. £580). They have just taken it directly from my bank account - as that's how it was set up right at the start of the payday loan agreement. I can't pay my rent, I have tried to negotiate in all the right ways and now I am depserate and don't know what to do. I have been in constant contact with them from when I first requested a payment plan and freeze of interest. Can anyone help please - I am depserate!