I have been in default with 5 PDLs for two months. Interim Cash is calling my cell phone about 5 times a day and leaving messages. I don't even listen to them. Quick Payday has called twice and left messages. Got a letter via email from One Click Cash threatening further collections and telling me to contact them so I will keep my good credit standing with them (LOL). I did talk with Payday OK right after I defaulted and told them I could not pay anything at the present time and ask what would happen. The rep told me "nothing". As it stands, I have not heard anything from them.