turkwyfe4lyfe I really really do appreciate that its sounding more positive. Its good to know your all out there to help Ive tried to go it alone but it does get hard just gonna keep strong no matter what.

I was hoping the investigation would give them something to think about. Just wonder who the 50 Pay day lenders are but I think most of us can guess some of them. I knew minicredit would be hard but they sent like 1 text since that last email including what I said to them reminding them about what happened to MCO. I know I will need help with PDE and probably mini not sure what to expect off CFO yet they said they only accept repayments negotiations after account going over 33 days I think they said.

In the email they sent me they sounding nice whoever it was who sent it. I only explained the exact same thing to Loretta and I got a reply say they are sorry for the situation I am in and the financial hardship and they would try and help me via live chat or by phone. I print Screen sysRQ all over the dialogue and pasted to paint and saved the whole conversation just in case I needed it for future back up. Loretta seems like the boot camp sort of person out of the QQ collections gang lol! Renegadeimp I will definatley get my OFT complaint tomorrow morning going to work on my complaint now ready for the morning. I actually left apart of this in the last email sent to PDE and minicredit: "Payday lender MCO Capital shut down and fined £500,000 and Government closes pay-day lender MCO capital | News | The Week" This was after back and forth emails explaining my situation and then eventually sending in a expenditure form and JSA letter proof and after all that... same response your account is overdue and is in arrears ect. So was hoping that little piece of news might of opened up their eyes lol wishful thinking haha! Turkwfye4lyfe after sending back and forth emails with WDA and PDUK and again normal expenditure and JSA letter they said they were worried because my expenditture was going beyond what I could afford after explaining that I am willing to pay £1 a month until I get back on top of things financially and get back working then I would let them know asap. They were both okay with that and PDUK sent me their account details without asking... even though they did send me a text saying my account was in arrears but it was the exact same text they weeks ago. WDA have been quiet since. Got a feeling minicredit and CFO will get in touch tomorrow.

I will get the card cancelled tomorrow as it is to much stress having that account open. Plus Lloyds are charging me £10 for a DD they returned back to QQ. Wage Day Advance and PayDayUK seem to have accepted the £1 token a month offer PaydayUK gave me their bank details without me asking Ive just asked WDA by email to send me there details so I can make a standing order payment. The Loan Store sent me an email saying they were expecting a payment from me on that Thursday the payment I offered them was £1 so assumed they had accepted the £1 token a month token for the time being but when I explained I was waiting for payment and had trouble at home and promised to get the token payment sent out by standing order tomorrow. There response was they can only accept £20 for 3 months but I need to send an expenditure form in, proof of me not working (like a letter from the JSA) and I think and also want me to send in my last to bank statements as proof that I can only afford £1 a month. Expenditure form with a JSA letter (I covered the private details such as N.I) proof was sent in to Minicredit and Paydayexpress. Minicrud send the occasional text saying my account is overdue and the last email I received from them was saying they need to speak to me about payments. As for PaydayExpress they just ring 6-7 times a day starting from 8am till about an hour ago and send about 4 texts a day which compared to a week ago is nothing so at least the texts are dying out. My mobile is always on silent and I only answer if its someone I know if PDE comes up then I just ignore. Will soon get through this. I heard 50 payday loans companies are under observation and have 12 weeks to clean up their acts hopefully out of those 50 it includes 9 of mine lol!

Just had this conversation with QQ sorry if its to long. Hello! Thank you for choosing QuickQuid, where you can get 10-Minute Money, 24/7. A representative will respond to you shortly You are now chatting with Loretta. Loretta: Hello Chris, how may I assist you today? ME: Basically Ive sent a few email explaing my situation, I lost my job and I am not currently working as the option I had left was to claim Jobseekers allowance benefit which I did I offered a payment to the collections via email and they said they would be happy to assist in my time of hardship one of the options was to contact you via live chat. Loretta: Thank you Chris, we would be happy to assist you with your account. As we are very sorry to hear about your recent job loss. When was your last day of employment? ME: I can`t remember to be exact so much has gone on is was a few weeks ago now Loretta: According to the emails received advising us that you were no longer working, it was at the same time you received your loan. Loretta: With what funds were you expecting to repay your loan with? ME: I thought I was due another payment from holiday pay that I was owed but that apparently has been taken off me Loretta: How much are you paying towards your defaulted balance today Loretta: ? ME: I am still fighting to receive that payment as I feel I am entitled Loretta: My apologies but there are no holidays in February, could you clarify as to what you are stating? ME: the paid holidays are from the beggining of the year to the end with 28 payed holidays in total I never used them so feel I`m entitled to them Loretta: My apologies we do not know of 28 paid holidays for the UK. Loretta: How much are you paying towards your defaulted balance today? ME: I have too many debts that have all caught up due to me not working and can only pay you £1 a month until my financial situation changes and I start working again in which case I would then inform you of that asap and start offer larger amounts and hopefully even manage to pay off the remaining balance. If I do receive any money and can afford to pay off the loan then I would do it in an instant Loretta: Please be advised we will no refuse any payment, however we cannot secure a valid payment arrangement of £1.00 per month as it is not a valid payment arrangement. ME: what is the best option for me to do because I really am down to bare of everything at the moment everything has just caught up and I`m trying to get things sorted one by one Loretta: My apologies but I can only assist you with your defaulted balance. I cannot offer or accept a payment arrangement on your current loan. ME: at the moment thats all I can offer and when I do get back on top of things financially and can offer larger payments or even pay the loan then I will do so I`m trying my hardest to get back on my feet and start work again Loretta: Regrettably Chris I can only suggest to contact us when you have funds available as £1.00 per month will not secure a valid payment arrangement. ME: ok I will contact you when I have funds available will I be able to make a token payment of £1 as I really want to at least try and pay something or would that be a waste? Loretta: We will no refuse any payment, however it will not secure a valid payment arrangement. Loretta: Is the £1.00 available now? ME: its not available now but it should be tomorrow morning if that is okay? Loretta: You would need to contact us when the funds are availalbe. Loretta: Is there anything else I can help you with today? ME: would that be via live chat? Could I send a standing order as I would be able to go into the bank to make sure money has gone into my account then send a standing order there and then Loretta: My apologies but we do not accept standing orders. ME: okay Loretta: The acceptable payment methods used by Quick Quid are: Bank Account, Debit Card, Bankers Cheque or Cashiers Cheque. Unfortunately, we do not accept PayPal, standing orders, giro slips, credit cards or provide an account number that you can make cash payments into. Loretta: Is there anything else I can help you with today? Loretta: Is there anything else I can help you with today? ME: No that is it thank you Loretta: You're welcome. Thank you for chatting with QuickQuid. Did you know that you can check your loan status, review your repayment schedule, and request a password reset right from quickquid.co.uk. Also, you can download our Android or iPhone apps on iTunes or Google Play. Do this - and more - at your personal account on QuickQuid! Please give us your Feedback, by ticking Rate Company, we would love to hear from you. Like us on Facebook and receive news about special promotions and discounts! Loretta: Pin 5 or more items from our Mum's the Word Pinterest board for a chance to win £500. Enter now! Loretta: Thank you for being a valued QuickQuid customer. Have a great day. Thank you for chatting with QuickQuid. Please click the "Close" button on the top right of the chat window to tell us how we did today.

I`m on JSA and have 9 Payday loans Ive had to list them because I could not remember who they were with. I said to myself when I start to default then I will start posting on here for help and which letters to use. I have read numerous post on here and I have rememberd some advice for other people. So I went straight in there when I started to default and send emails offering £1 a month and ignoring phone calls. Wage Day and the Loan store seem to have excepted the £1 a month payments but Ive asked them to confirm it and I will send a standing order of £1. PayDayUK have been reallly good as they accepted the £1 token a month and gave me their account details and reference without me even requesting them. I know I will need advice especially with quickquid, minicredit and Payday Express and CFO as all they did was ask for proof of unemployment and a quick budget I/E which I did because I had nothing to lose and I made sure personal info was blocked on the JSA letter such as NI ect. All Express and minicredit seem to do is send an email saying I`m in arrears and need to speak to me over the phone (not gonna happen) CFO sent a stupid email saying they can`t accept a repayment plan until after 33 days then it goes into phase 2 when I can sort out a payment plan until then they will continue to try and take money out of my account and keep on calling. QuickQuick said they will try to take money out of my account until we come to a repayment arrangement or it guess passed on to a third party and I received my very first letter today. First letter after a month so excited I was. By the way the house number they have turns out it is incorrect and it will be cancelled at the end of this month and they can ring day and night on my mobile the only numbers I answer are the ones I recognise or local numbers. I have answered paydayexpress but I never said anything I just listed but they were silent to. Plus can anybody tell me if it went to court and say baliffs were ordered (I know we are along way off anything like that) would they be really be able to come round to take things as I am living at my Dads and not a single thing in this house is mine its all payed for by my Dad even the bed I sleep in. Can anybody tell me how to start my own thread/post? Thank you! Lets all stay strong and keep as one!

I was this thinking of applying for a DRO as I am in this horrible situation with pay day loans I have 7 but I am now on JSA and don`t have any cash spare even though I am living with my Dad. The thing is I can`t even afford the £90 I know you can try and pay in instalments but at the moment I can`t even afford that. Is there any help I can get towards paying for the DRO?

Hi, I am just hoping someone can help with some info. I do not have a fixed address, and at the moment I am sleeping at different friend address every few until I manage to get myself a property sorted out (which hopefully will be soon). Can I still apply for a community care grant? I know I don`t have my own property just yet, but seen as I do not have a stable address and hopefully soon (I have been apply for private rented flats through agents so just waiting till I get a response from them). I am claiming JSA at the moment to. Any info will very much appreciated! Thank You!