Ok, you got a payday loan, but you are having trouble paying it back on time. So, the company is just helping themselves to whatever is in your bank account, including benefit payments, etc. They will carry on doing that, even in tiny amounts, until you stop them, and this is how you do it. Without delay, write to your bank, local branch and head office, asking them to end, with immediate effect, the Recurring Payment/Continuous Payment Authority (CPA)Wonga (or whomever) have on your debit card. This can take up to five days to action, but the bank legally have to act on your written instructions. If you can, post the branch letter through the door so you know for a fact they received it. Try to open another account, or have your benefits temporarily paid into a trusted friend's or relative's account. Then, contact the payday loan company, and tell them that you have cancelled the CPA and that any more unauthorised deductions from your bank account have to be legally refunded immediately. Then, you can calmly arrange a sensible repayment plan, and still buy food. Just them mention of cancelling the CPA usually stops the payday loan company in their tracks. Stop stressing and get writing. And don't take out anymore payday loans!