Hi, I took out one of these silly things and unfortunately got into a little situation due to ill health. Il explain it all so hopefully it may discourage a few people thinking of using payday lenders in future. I had a 100 loan (which was reduced by 19.50 for fast payment charge which i never asked for) over a period of 30 days, Which at 365% meant 130 was repayable on my due date. A few days before my loan repayment was due i became ill and as a result i was unable to arrange to pay it. So i contacted the company to explain my situation and was rudely told that it was my mess, they wanted there money now, they dont do repayment plans and my 130 debt would be 650 in a months time if i didnt repay it all by then (unfortunately all true but what could i do). Within 3 days i repayed them what i could afford which was 95, now it is 2 weeks later and my debt is now up to 255. I have been charge 80 in overdue charges, 14 in interest and about 130 in debit charges from them constantly trying to debit my bank 3 times a day, everyday and then charging me 3 a time for the pleasure....... Right now for my question; they have informed me they will be charging me a one-off 100 charge on my 30th day overdue, this was not mentioned in my loan agreement, unlike the other overdue charges and i am wondering if this is legal? Any knowledge or advice is very welcome