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goonerbhoy

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  1. Just thought id post a quick update as i like to see how other people are getting on at paying these off. Heres whats left to be done: Wonga Still paying 16 pounds a week but have managed to bring the debt down from over 600 pounds to just under 400 as they froze all interest and ive made my payment every week. Speed E LoansIve got £108 pounds left to pay, ill probably pay 18 this week as ive not got much on then continue paying 10 until its cleared. MiniCreditStill not playing ball, to be honest i dont even care, i have the emails saved where i tell them im willing to pay so they can threaten all they want, if they had accepted my plan then that would probably be settled- their loss. Speedydosh Owe £60 can see the light at the end of the tunnel on this one, 6 more weekly payments. TxtLoan Owe £150, three monthly payments left. Beginning to feel like im getting there now
  2. So do you suggest sticking to my guns and letting the debt get passed on to the DCA? I dont know why, but i feel more scared of dealing with the DCA than minicredit. Minicredit have just shown themselves up to be a total joke, if they had agreed what i had offered the debt would probably be about half cleared.
  3. From my experience with PaydayExpress and MiniCredit i wouldnt hold out much hope of agreeing anything with them, i just tried to clear the payday express loan i had asap and avoid extensions/added interest because it was evident right from the first email i sent that they werent going to agree to any sort of staggered plan. Wonga and Q.Q should both agree fairly easily although quickquid could only offer me a 4 month plan with interest frozen. Good luck anyway, you will feel so much better as you start getting each loan paid off, i'm also living at home with parents and understand how you feel, everytime the phone goes i expect it to be someone chasing me up.
  4. UPDATE Paydayuk, paydayexpress and Quickquid are all paid off. Still on payment plans with Wonga, Speedy dosh, speed e loans txtloan and still trying to argue with minicredit, they just wont budge.
  5. Every chance So has anyone out there managed to set up a plan with either Payday Express or Minicredit? They are so stubborn its getting really annoying.
  6. UPDATE Ive managed to arrange a plan with Speed-e-loans as well at a tenner a week The GMC email address worked and he said 'his team would assist with the matter' and to be fair to him it was all set up by close of business the next day. My repayment plans are now as follows: Wonga- £15 per week Speedydosh- £10 per week Speed-e-loans- £10 per week Payday UK- £10 per week Q.Q- £120 per month (only 3 to go) Txtloan- £50 per month Minicredit and Payday Express are still refusing to help me out though, if anyone knows how to crack them then that would be appreciated.
  7. I think it was techsupport@ one, do you have a better address? This would be appreciated as I've not heard anything back at all. Thanks
  8. I just emailed their collections ([email protected]) and they told me to talk to a live chat agent which i did and set up a four month plan, i then emailed collections again and asked them to send me a confirmation email of the plan with dates/ payments just in case they tried a fly one, i also saved the live chat log. They are only really willing to set up 4 month plans, which was affordable enough for me and all interest was frozen but i dont know what your situation is so dont know if this will be much use?
  9. UPDATE Now agreed a £10 per week payment plan with Payday UK and am in negotiations with Payday Express for the same, Minicredit and Speed-e-loans seem to be refusing to even reply though but i will be sure to keep plugging away at them. I think the trick with payday uk is to just keep emailing them your plan, even when they email you back offering to defer payment for a month or to pay half, just be very persistent and eventually they will give in. I basically told them either they accepted what i was offering and they would get everything i owed or they risked getting nothing because there is no way i was going to be paying the default charges that they hit you with after the loan due date. So anyway, i now have plans set with: Quickquid, Wonga, Speedydosh, Txtloan and Payday UK. Feel so much better being in control of whats coming out of my accounts on which days
  10. I have two seperate accounts already, and ive got my employer to send my wages into the one that isnt linked to any PDL's, i just planned on moving money in when it was due so they could only get what was available, for example my first txtloan payment is tomorrow so ill move the exact amount into that account before i go to sleep tonight just incase they decide to try for more. Ill get that letter to the OFT wrote up tonight In regards to payday uk, i'm definitely going to take the fight to them and make it clear that they are not authorised to touch my account and see what kind of response i get then, thanks for all the help tonight renegadeimp, hopefully i'll have some good news tomorrow
  11. Yes, they certainly give off that impression anyway, well the majority of them anyway. I have to admit i've been pleasantly surprised by how wonga have treated me, they get a lot of bad press but have been the most supportive and speedydosh replied within three minutes with standing order details. It just seems like there is a few companies who dont want to be fair. Renegadeimp- Is it worthwhile to let my payday uk loan go into default in order to get the plan up and running? Or should they accept before i default? It's really annoying that on their sites they say if you run into problems that you should contact them right away yet when you do they just tell you to default, this is the email they sent me minus the personal details. Dear ********, Many thanks for your email. We will need to try for payment as per your Loan Agreement terms and conditions on **/**/2012. If this payment fails then a member of our Repayment Team will contact you. Payment is taken from the Debit Card provided and not by Direct Debit. Please check with your card issuer regarding any authorisation charges. As we work with a Credit Reference Agency, we share your account information on a monthly basis, so when you repay your loan on time, this could also help to improve your credit rating. However if you do not repay on time this could have a negative impact on your credit rating. If you have any further queries please do not hesitate to contact us on 0871 271 6111^ (Call charges apply – 10p per minute from BT landlines, mobiles and other providers may vary). Our office is open 9am - 8.30pm Monday to Friday and 10am - 4pm on Saturday. Kind Regards, ******* Customer Services PaydayUK (T3L), PO Box 255, Bicester, Oxfordshire,OX26 4ZY Telephone : 0871 271 6111^ Fax: 0845 127 4365
  12. I have the agreed arrangements in writing on emails and my accounts on their websites have been updated accordingly with how much they will take on which date. My wonga plan has been up and running for 3 payments and everything has went fine so far. I think ill just keep emailing the ones who are ignoring me until i get some sort of response, could anyone with prior knowledge of how the companies in question operate tell me if i have a realistic chance of striking a deal? From what i have read on here Minicredit seem a nightmare to deal with but ive not seen so much about Speed-e or Payday express and im surprised that Payday UK are rejecting my first offer. Thanks for the help
  13. UPDATE: Agreed plans with Wonga (16 per week), Speedydosh (10 per week), Txtloan (50 a month).... Quickquid are willing to agree to a plan, but only over four months at a rate i dont think i can afford, Payday UK emailed back saying that I had to default before I could set up a plan which i think is ridiculous and obviously just a way to hit me with all the charges. MiniCredit, Payday Express and Speed-e-loans still havent got back to me. As the loan amounts for the latter 3 arent as large as some of the others do you think i should just try to pay them off ASAP and just get by for a few weeks or will these people eventually give in?
  14. Hi, Just registered on the forums after reading some threads similar to my situation. I currently have multiple payday loans due to mainly stupidity on my part, as a 19 year old i admit the temptation of easy credit fooled me into this mess and I have been given a real wake up call and kick up the backside. Now i just want out of this mess by the quickest and cheapest way possible. I'm not looking for sympathy or to be told i am a stupid wee boy, i just want it paid off and finished with. I'll post up where i stand with all of the companies and if anyone could give advice as to what my next steps should be, or which companies to try to pay off first then this would be great. Wonga- Agreed plan £16 per week, will be paid off by christmas, they have been great to deal with to be fair. Quickquid- Owe £531, emailed them regarding setting up a plan but have had no response as yet. Minicredit- Owe £168 Txtloan- Owe £234 Payday Express- Owe £207 PaydayUK- Owe £119 Speed-e-loans- Owe £190 Speedydosh- Owe £149 Any advice on who is likely to accept plans and who i am as well trying to pay off first? Thanks in advance.
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