Payday Loan Debt Help in the UK

Trapped in a cycle of payday loans? You’re not alone. Payday lenders often promise quick cash — but they rarely explain the long-term costs. If you're struggling to repay payday loans, facing rollover charges, or being chased by collectors, we can help you take back control.

Why Payday Loan Debt Is So Dangerous

Payday loans usually come with extremely high interest rates — sometimes over 1,000% APR. Many people borrow to cover short-term emergencies but end up needing more loans just to repay the last one. This is known as the debt spiral.

• Rollovers add fees and interest every month
• Multiple payday loans quickly become unmanageable
• Missed payments damage your credit score
• You may face constant calls, emails, and texts from lenders

If you're borrowing just to stay afloat, it’s time to break the cycle — and we can help.

Can Payday Loan Debt Be Written Off?

Yes. If you qualify for an IVA (Individual Voluntary Arrangement), a large portion of your payday loan debt can be legally written off. This includes balances with well-known payday lenders and debt buyers.

You’ll make one affordable monthly payment based on your budget. Once approved, lenders must stop charging interest, contacting you, or taking legal action.

Can I Include Other Debts With Payday Loans?

Absolutely. Payday loans are rarely the only debt people struggle with. We can help you combine all of your unsecured debts into one monthly payment, including:

• Credit card debt
• Bank overdrafts
• Gas & electricity bills
• Council tax arrears
• Personal loans

We’ll stop the stress of juggling payments and deal with creditors for you.

What If I’m Already Being Chased?

If a payday lender has passed your account to a collector like Cabot Financial, PRA Group, or Moriarty Law, don’t panic. These companies are legally required to stop contact once you begin a formal solution like an IVA or DMP.

We’ll communicate directly with all creditors and make sure you’re protected from harassment, legal threats, or enforcement visits.

Other Ways We Can Help

Depending on your income and circumstances, we may be able to offer:

• Debt Management Plan (DMP) – to reduce your monthly payments and freeze charges
• Debt Relief Order (DRO) – if you have low income and less than £30,000 debt
• Compare IVA vs DMP vs Bankruptcy – to find your best route out of debt

Every case is different, and we’ll give you personalised advice — fast, free, and confidential.

Common Payday Lenders We Deal With

• Wonga (historic debt)
• QuickQuid
• Sunny
• MYJAR
• Lending Stream
• CashFloat
• Mr Lender

Even if the company no longer exists, the debt may still be active and chaseable by a third-party collector. We’ll help you sort through the confusion and deal with whoever now owns the debt.

Why Choose Fresh Start Debt Support?

• ✅ Clear, friendly help with no judgment
• ✅ Free advice with no pressure to proceed
• ✅ We deal with payday lenders for you
• ✅ Fast action — often the same day
• ✅ Rated for clear, supportive guidance

Don't let another lender payday push you further into the red. We can help you break free and build a future with less stress and more stability.