Payday Loans and CCCS

Damo1

Hello!

My first post hope anyone can help?

I have a current DMP with CCCS, I also have 2 payday loans thats are not included in the DMP, during my 5 month review process i informed CCCS about the loans and they have advised to bundle these with the DMP, advise from CCCS today was to inform the bank to cancel any further payments to Payday UK and Pay Express.....

The bank tonight however, has told me they are unable to help me with this as they are not DD's, and the loan company has the only authority to take accept payments from me...

My main worries and questions are:

1. What's the best process or methods for me to inform the Payday loan company's about my DMP, and will they accept reduce payment??
2. Do i need to email the Payday loan company or do inform by phone and offer a token payment for this month?
3. How do i stop the telephone calls when i default on the loan payments
4. Will they take full repayments on the loans if i refuse to agree to thier terms?

I owe the following on the loans:

PDUK £80 + £20 Interest = £100
Payday Express £270 + £60 Intrest = £320

Any help would be great

Thanks

Damon