I hope that she is able to get the money back from Barclays and please make sure she closes the reserve account once it's up to date. It's very easy to do, and I had this hassle before and now it's closed. I just asked at the counter and it was done, she does not have to have a reserve account if she doesn't want to. Best of luck with getting it all resolved

Hi Wilko, thank fully it all turned out ok. Regarding the CPA that was a bit of a nightmare I spoke to my bank barclays who informed they can not stop the CPA until the loan companies try and take the money from the account after which they can then stop the CPA. I was non stop on this forum researching and reading other people's dilemas. I first contacted Quick quid on live chat and they told me to speak to the collections team. I actually read on a thread for quick quid when you speak on live chat to Antionette she is really lovely and I can completely agree and thankfully she was on my live chat.I just explained my circumstances and they put me on to a repayment plan. I rang Wonga and they told me to go on to the website and click on to a payment plan option and I sucessfully entered an affordable repayment plan. I was so relieved, I couldn't believe how easy it was. I had been a nervous wreck, the past 2 weeks as it was building up to the repayment date and it all worked out in the end. I have to say both Wonga and quick quid were great.

Thank you, Citzen and Joeutd. Will get on to that asap. Really appreciate your guidance. Will contact Bank on Monday and fingers crossed it will go ok. Nice to see there is legislation to back us up, hopefully the bank won't ignore it!

Hi all, in a panic over my finances. I took out two pay day loans due to debt I couldn't pay and I'm now on Job seeker's and realised I have made my situation a lot more worse than it was before. I borrowed £400 from both and payments are due one on the 27th of this month (quick quid) Quick quid want 450 and the other 6th October. Wonga will want 540 or thereabouts? I'm really getting worried. I understand I need to cancel the CPA but have read nightmare stories about cancelling them as banks..I bank with Barclays aren't always very helpful in regards to doing that. There is no way I can make the repayments and I guess i need to go on payment plan. I just don't know where to start?? Also do I need to close down my current account or is just sufficient to report my card stolen? I don't want the bank charging me extra on top because there isn't sufficient money in the account which is in it's over draft. I'm hoping that I can land a job in the next few weeks but it's very unlikely. I have bills to pay and I just don't know how i'm going to manage. My job seeker's is £55 per week, so it's extremely tight. The job seekers does go into a different account, still with barclays but will that make any difference?? Could they still take it anyway? I shouldn't have taken out the loan as I wasn't exactly employed well I thought I was going to be but then it didn't materialise...... I was over eager and now am suffering the consequences... I'm desperately trying to land a job to make the payment but doubt i'll be able too... Any any advice would be much appreciated. :-(

hi ya, I have mild dyspraxia...and have not admitted it to my employer but previous one..always in two minds whether I should or not. I find I tend to struggle in more practical work...i.e coordination, multi task. I'm finding coping strategies that help me in my workplace and day to day life. Dyspraxia can be very challenging and I hope to work with children with dyspraxia as I'm aware how much people can suffer especially from friends, work colleagues whom are ignorant to this condition. Dyspraxia can affect someone in so many different ways depending on the severeness of it. I would say try to find a job where you can use your strengths and avoid jobs where you know your weaknesses will be apparent. If ever you want to chat let me know...it's not easy but stay determined and you will succeed.

Hi everyone...i'm new to joining this website but have been on here quite a few times throughout the year. I think it's fantastic website, so helpful and reassuring. I haven't yet been in financial difficulty however always use this forum to help me along the way. I've been so impressed that I have made a small donation.. So i'm saying hello and asking whoever uses this forum too if possible please donate...cos I don't want this site to go it's far too good and the people behind it are doing such a great job!!!!!!! Merry christmas and thanks again for this website I couldn't survive without it!!