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Derfelll

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  1. I did at first and suggested a token repayment of £1 per month as thats all I could afford. It was rejected and they kept on sending baliff letters and such which I ignored. It's been about a year of silence now apart from the email today from DFS UK. I spoke to my councillor at uni and he said I can contest the charges but i have to wait for them to apply for a CCJ which none of them have. At the moment I'm just waiting for them to do something as I dont have the money to pay them at all
  2. I'm abroad at the moment so don't have access to the breakdown but those are the amounts I owe as of 3 months ago. All the accounts are nearly 2 years over-due
  3. I made the stupid decision to get involved with PayDay loans 3 years ago and need some advice please on how to deal with them. The following loans all became over-due in December 2012 Wonga - Owe 1900 - original was 1000 Toothfairy finance - owe 2800 - original was 400 and received email from DigitalFinancialServices UK today Minicredit - 2800 - 80 original PayDay Express - 1800 - 250 original WageDayAdvance - 2800 - 250 original PayDayUK - 1000 -250 original I've moved address multiple times due to being a student and can't access my older addresses, I've tried calling multiple times to chance my address but the accounts have been sold on and it's impossible to get the details from then What should my next steps please? I don't have a job and have a student loan and credit card to pay off, currently a master's student living at home and funded by parents
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