I've read and heard about this site quite a lot recently It's a great idea for a site and imo about time Heard some real horror stories and sadly for me been involved in some as well re: bad landlords Sadly I'm sure I'm not the only one!;/

Hiya Thanks for all the advice I told them i am paying1month interest ony and gave them a repayment plan I just received this email,id rather keep it to email? As previously advised you will need to call our offices on the telephone number below to discuss repayment options. No further reply will be made via email.

I told them i am in difficulties at the moment and offered a plan any idea how many times they can add on a deferral payment ?

Hi i have an agreement with 2 other pdl and possibly 1 other but payday express arent interested ? I owe Payday express £500 i i emailed them 5 times with offers of repayment £50 for 4 months then £100 til balance is cleared they have just emailed me saying the loan will keep being deffered? how many times can they do this ive said i cannot pay? i now owe £615 according to them? any advice would be great

qq wont accept any fo my offers offered £60 for 4 months(til i pay other 2 off) then £100 Thank you for contacting us to inquire about how to pay off your balance. The payment plan we can offer is detailed below. £177.62__________due 27/08/2010 Please keep in mind that you have a contractual payment set up as follows. £312.50__________due 30/07/2010 To confirm your agreement to this payment plan, please reply to this email stating that the terms are favorable. You must include the original email with the terms to which you are agreeing in your response. Once we have heard back from you, we will set up the agreed upon debits to come out of your bank account or be charged to your debit card. Collection procedures will continue until an acceptable payment arrangement is made. If you have any queries, our Collections Department is here to help. QuickQuid Collections Department Direct Line: 0808 234 4561 what now?! Fax: 0808 101 1381 [email protected] Payday Loans: Quick Payday loans @ www.QuickQuid.co.uk

Same i emailed and emailed and emailed and begged them and QQ and lending stream for there bank details to start paying as i knew the earlier i pay the better while i still have it (paid £425 on 2 others..doing that for 4 months)and they didnt reply i cant pay this month now i will next month i did try,im not quite sure what they were expecting???...;/

Live chat them rather than phone!? I found QQ ok to talk to and deal with and was transferred about 3 times via live chat(which isnt a problem) They've been helpful and polite so cant knock them really?although am in the process of coming to an agreement so may have spoken to soon!!! we will see

Thanks for all the advice its helped alot wonga have agreed quickquid might agree i just emailed them and the other 3 would ideally like to get agreements before 01/07 so i can start the repayments will keep trying i guess

thankyou for the advice am going to do it now

both electron cards and identical there is a signature strip and 2 different 3 digit numbers on back of both think i have a pin number somewhere at home but doubt i can find it ive just never used that account til i recently moved my salary to it? and itd take weeks to get a new 1 thanks for all the advice and for reading;-)

Thanks for the advice ;-) so far i have a payment plan with Wonga and Quickquid were very helpful saying they cant do anything til you default on the loan? and even agreed to contact by email only...whats the catch??? just 3 others to go now QQ Said they have sent the request to the bank already and takes3 days to change anything?? does this mean even if the funds arent there i can so into a negative balance? i havent yet cancelled my debit card(have2 accounts with same bank 1 my salray goes into and the other has a cashpoint card so if i cancel i wont be able to get money out!!) duno what to do

anyone have any advice? am thinking of paying wonga the installment and maybe 1 other off in full and leaving the other3 and making an offer i dont want to pay £100 to extend it im not bothered about my credit rating either really am more worried about phone calls to home/work than anything?? and if 2 different acc numbers/cards can be linked by them and clean it out? this will all be happening wed 30th june....;-0

she also said the interest will still be shown on my account during the 4 months but this will all be taken off when the final paymnent is made?...??? i dont know what to think?

oh also i have 2 accounts with 1 a bank i have 2 x debit cards my salary is paid into 1 of these accounts i usually transfer money online into the other account to withdraw cash make payments etc? only the 1st 4 digits are the same on both cards will they raid my other account if they know who i bank with etc *** am reading through all the other posts/threads with interest alot of nice helpful people on here which is good to know:-)

Hi i have 5 payday loans wonga £1391 payday express £500 quickquid £435 lending stream £487.50 payday uk £300 i have spoken to wonga via livechat and agreed 4x£300+payments with ALL interest/charges frozen this is the email and i think she said i will receive a letter but am still at work,i want to pay them all off but the other 4 are charging £60-£80 a month to default whereas wonga arent!! 2questions really has anybody else come to an agreement with wonga? how should i play the other 4 ...am thinking it better to pay 1 of the others off in full? and default this month worry about the other 3 later;-/ if anyone has any advice that would be great? Hi, Your repayment details are as follows; AmountDue Date£344.0805-Jul-10£344.0705-Aug-10£344.0705-Sep-10£344.0705-Oct-10 Please make the payments as agreed on the 30th of each month (so the 30th June 2010 , 30th July 2010 , 30th August 2010, 30th September 2010) to the bank details below; HSBC Wonga.com Sort code: xxxxxx Account number: xxxxxxxx Ref: xxxxxxx