Now, now, I don't know enough about every person's experience on here, but the point I think Guest was trying to make, was that whatever s/he signed up for, s/he did. And this included paying whatever s/he agreed to when they took out the loan.
I suppose the analogy would be you agree to buy a televsion set on Hire Purchase for $1000, but two weeks later, you realise that you could have paid only $500 (if you had the cash in your pocket in the first place) so you won't pay the $1000 you agreed to, but a lesser amount. No retaler will just let you off the hook, and it's the same with payday loan companies.
Shop around and find a company with more favorable terms. There are plenty of companies to choose from. Look, I'm sure Cash Today are scum, but if you lie down with dogs, you're gonna wake up with fleas.
Newbie