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Follow up your phone call with a letter – you can use Which’s letter telling a payday lender that you’re working with a debt adviser.Once you’ve done this, your lender must give you a reasonable amount of time to come up with a repayment plan before using debt collectors.

If the repayment date looms and you can’t afford to repay, we can help.Your payday lender might suggest that you ‘roll over’ your loan for another month or so. It means you have to pay even more charges and interest – so you end up owing much more money.What you should do instead is seek debt advice and agree a repayment plan that you can afford with the lender.Remember to keep copies of all emails and letters you sent to the lender and write down details of your phone calls to them.This is evidence of how you’ve tried to contact them if they don’t reply and you need to make a complaint.

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