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PDL idiot

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  1. any luck with this? I'm in a similar boat and not sure whether to pursue it.
  2. Hi welcome to the forum. First of all calm down stop panicking. A lot of people including me have been in worse situations than you right now with PDL so this is actually quite straight forward. Phone your bank to double check all CPA and any pending transactions are CANCELLED and VOID as in you have to phone to deactivate them. DO NOT PAY THESE PEOPLE BY YOUR DEBIT CARD. Ask for bank details and wire it with your customer number. Offer them the original loan amount + interest for the time period that was agreed on and that you will not be paying default fees. There is a lot of writing material and templates on here that can help you with that. Mini off set their payment plans to a outside company whom I pay back ATM and they are fine, yet I havnt missed a payment to them either so I havnt had cause to speak to them. I've never dealt with uncle buck so not sure how difficult you will find that, but stick to your guns and don't speak to these people on the phone. Make sure you send a financial assessment form like in the template guide, make it so you have spare cash and what you want to pay. They can't refuse if you send this. You're in a better position than you think! Good luck. Let us know how it goes.
  3. Hey it's still down. Here is to positive thinking
  4. :'( I just checked tho still showing the error message when you click apply been like that for days!
  5. I heard rumours it was getting shut down. Now it displays this message Dear Customer, we are not currently issuing loans due to maintenance of our live site. We hope to be able to assist you shortly. Thank you for your patience. Been like that for a few days now, maybe it's finally happened?
  6. Hey guys! So I I just figured I would leave another update. Express - Payment plan sorted Piggy - Payment plan sorted Lending Stream - Payment plan sorted Quid - payment plan sorted WageDayAdvance - Just going to pay in full this month as they wanted to add another 30 days interest on for a payment plan so I have enough to just pay it this month! Hey guys so I have sorted out repayment plans for all named accounts and would like to thank everyone for their contributions to my thread as well as the great stuff that is available as resources on this site. I feel so much better that I know this will be all gone by February now whena ll my payment plans end, my credit rating is in the gutter as I looked at my Experian report so ill just have to try and get some books and look about and see how I can start rebuilding it. But my life can start to move forwards now. Thanks for all your support!
  7. hey guys! So this is where Im up to: I was able to set up payment plans for express and piggy bank loans. The rest are yet to get back to me. Express finance was a bit of a pain in the arse, however I spoke (oh I know) to a lady on the phone today after phoning them back to express I only wanted to communicate in writing. However she was very helpful, agreed to freeze interest and created a payment plan over 6 months. Piggy bank loans accepted my payment plan with in 5 minutes of emailing them and they where by far the easiest to deal with. No troubles at all. So now Im just waiting on the others to get back to me. So fingers crossed but it seems to be going well so far. Thanks
  8. They keep phoning my home, if i tell them i only wish to communicate in writing do they have to honor that?
  9. Here it goes! Edit: Do i phone them or explicitly request to deal with them just in writing?
  10. Ok cancel CPA's check, ill get on to that now. I have drafted up a email to send to the various firms. Am i better setting up a DMP or doing it individually? Thanks for all the help and support
  11. Hi, First of all i would like to thank everybody for their continued support on this site and the help offered to many has been great, I have spent the late night/morning reading through the forums and getting ideas and seeing how much of a general ball ache all this is going to be! So i have been in this spiral for a few months now but today is the day i miss my first payment I have been rolling over alot of loans and paying some off however now im stuck I have no more money this month due to having to fix my car and now i cant pay back one of my lenders.. My debt portfolio looks like this: Payday Express - £630 (due today) been rolled over twice and took a further loan out this month WageDayAdnavce - £160 due next month only taken out 10 days ago PiggyBankLoans £250 due next month rolled over last two months next payment due next month MiniCredit - £700 however have agreed a payment plan of £69 per month started that 8 weeks back. they where very easy to deal with i thought contrary to what i have read in other threads. Quid - £299 just been paying minimum payment for months now next payment due next month Lending Stream - £174 with two payment left of £107 (30th oct) and £87.10(nov) I also have a £1600 overdraft and two credit cards totalling £400 I always make my minimum payments on my overdraft and cards. and dont see them as a long term problem as i am slowly paying the three off and don't use or even have the cards any more as I cut them up months ago. This month i also paid back toothfairyfinance over £500 for a £400 loan. I made over £1000 in payments to these accounts this month and still fall short and now i need to regain control. I tried setting up a payment plan with express last month however they said as i had only recently taken out the 2nd loan (the two total £490) they would not even discuss it with me and they rolled it over i made a partial payment and and had a reduced amount. This month I then took out the second loan again for a total of £490 with £630 after fees. They will not even consider a payment plan when i phoned them this morning the loan is due today i only rolled it over but I don't have the £160 and i was about to borrow off tooth fairy to pay it and after reading through all this it is the last thing i should do and i need to stop. I have about £500 spare each month to pay off these loans. I now have moved back home to live with my parents, my mum is aware im in financial bother but is in no position to help i have lied regarding the escalation of my debts and she has helped in the past. If a bailiff or somebody knocks at the door i fear i will become homeless. I am in full time work. I have already been on payment plans with quickquid and wonga and paid them both off respectfully. in the past 6 months. Im now at my wits end and this whole situation is becoming terribly depressing. I have looked at a debt management scheme with payplan and step change, however if they don't agree to work with them what else can i do? Thanks One very stupid man PDL Total debt - 1584.48 Card/overdraft - £2000
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