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As mentioned by someone above I would send a sort of sob story email explaining how the charges have occurred and how it won't happen again and the current financial situation you are currently in and where you see it in the future and is there anything they can do to <a href="mailto:Ross.McEwan@rbs...

“ Send that: <a href="https://www.nationaldebtline.org/EW/sampleletters/Pages/Complaining-to-debt-collection-agencies-that-you-do-not-owe-the-debt-(sole-name).aspx" rel="nofollow">https://www.nationaldebtline.org/EW/sampleletters/Pages/Complaining-to-debt-collection-agencies-that-you-do-not-o...

I have a friend who has a car through them - he had to make two visits. One to choose a car and the other was when it was ready all fitted with some device and fill in paperwork. He said that yes they are fairly expensive but the car he has got (ford focus) is excellent and is only a 3 year payment ...

I don't have any advice regarding the wonga loan but I can personally recommend speaking to either your GF or parents. I discussed my finances with my GF (now fiancee) and she helped me see in the cold light and sort out a payment plan (mine were far worse than what you have stated) and even offered...

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