Thank you very much for your advise. Yes they seem so nice and helpful. Once again thank you

£6700 ish i don't know correct figure. I have been looking into bankruptcy tho and being aged only 20 i think it would be a ok option for me to look into, but for the moment my payment plan is going well.

Yes i just spoke to the court they are sending me a N245 form out and a ex160. Thank you very much

Ok thanks own fault really but i can't even afford to pay a penny i'm going to ring court now see what is what. Thanks

Hello, i have a few debts but i have enrolled on the CCCS payment plan and all is going well. Today i received a CCJ from Safeloans claiming i must pay the claimant a total of £187.15 i did receive a claim form back in Aug i think and i did the stupid thing of ignoring it now i got this one today and it says Judgment for Claimant (Default) can anyone help me out here should i fill out a n245 and ex160 forms or has it gone to far now? Thank you

I have offered payments and i have all the emails to back it up they just don't seem to want to work next step is i'm going to give them a phone call on Monday and record it.

Hello, I got a letter today from NDR. On the envelope of the letter they is a big sticker saying "NORTHERN DEBT RECOVERY URGENT ATTENTION REQUIRED". They allowed to do this? Anyway it's the same as my email i received word for word etc only problem is my mum read it and got a little upset thing they going to break into house etc. Also my sister said it was posted in the letter box by hand not a post man and also on the stamp on the envelope it's not stamped by the post office. They allowed to do this aswell? Thanks. I'm ringing them in the morning to sort it out and telling them i do not live at that address no more and to stop harassing it.

Got same problem here that email they send you is to just scare you i did contact him back 5 days ago explaining things and no reply don't worry it's just to scare you same person sent same exact email to myself check out my thread. Good luck

Thanks for reply. I am trying to pay them i have told them how much i should offer and people have said i'm offering more than i should (£10) month my local cab said i should offer (£1). But they just don't seem to want to work it out with me i think i need to lay it on thicker.

Hello It's me again, I have an issue and want to know if any1 can deal with it... I received a email from - NDR - NDR - Greg Campbell [[email protected]] Saying my Toothfairy loan has been passed onto them and if i don't make a £540 repayment within 5days they will send out debt collectors to the house... Could anyone help me out is this just to scare me or is it real? Thanks

Well i worked out a fair budget and thought i can just keep scraping myself through until i get back into full employment then i can up the payments and start contacting the bank to try make arrangements with them they are only people i'm most worried at. Thank you

Hello, I offered the £10 a month each to my 6 payday loans, but they keep emailing me saying it is not acceptable etc but i keep stating my case towards them. I haven't spoke to the bank or my credit card company yet. I get £207.80 a month in benefits and still looking for active work. I am keeping to a tight budget and making sure i don't spend what i haven't got so i think it's going ok. Thank you

Yeah i have already did that i moved too TSB which gave me their classic account which was a surprise i thought i would of got a very basic account but i have all the same features i had with my natwest one. Thanks i been thinking of visiting my local CAB but i'm a little worried too at the moment but i think first thing Monday i'm going to book an appointment. Thank you

Hello, I had a topic on here few weeks back asking for help but I asked a admin to remove it because a family member was looking around this website and i didn't want them to notice what trouble i was in, but since then i have came out to them and explained my situation. Anyway i have 6 payday loans and 1 credit card will list below. Original loan for - £450 with Quick Quid - Default = £699 i have told them I’m willing to pay back £562.50 and £112.50 interest but nothing back yet. Original loan for - £200 with Payday Express - Default = £315 i have told them I’m willing to pay back £250.00 and £50.00 interest i need send P45 to show unemployment. Original loan for - £71 with Wonga - Default = £140.58 i have told them I’m willing to pay back £100.64 and £29.64 interest but nothing back yet. Original loan for - £100 with Safeloans - Default = Unsure but i have told them I’m willing to pay back £126.83 and £26.83 interest i need send P45 to show unemployment. Original loan for - £100 with ToothFairy - Default = Unsure but i have told them I’m willing to pay back £126.83 and £26.83 interest i need send P45 to show unemployment. Original loan for - £80 with 24.7 Money - Default = £224 i have told them I’m willing to pay back £100 and £20 interest but nothing back yet. Credit Card – Capital One - £148.93 - £48.93 over my limit which was £100. I haven’t contacted these yet so any advice would be great. Problem is i'm claiming JSA which is £103.70 every 2weeks i have offered them all £10 a month repayment and stating i will only pay them by standing order and will only pay the amounts back which i stated and no further interest but i did say once i get back into full employment i will pay the remaining balance off. I understand it's not much £10 a month with the amounts i owe but it's all i could afford i have stretched out my budget! So my main point for posting this is does anyone have any further information which would be useful for me so they have to accept my payments? I'm worried over the 247Moneybox the most because it's sky rocketed up so much in such a small period of time. Would also like to know how safe i am sending copy of my P45? Thank you sorry for the long boring read. Also forgot to add my overdraft on my bank account was £4400 and is now in -£4425.83 any advise on this would be great i have been thinking of booking appointment with my bank manager to discuss this and maybe they could loan me the overdraft clear it and then i can make monthly payments to it seems easily to clear the debt i thought but i don't think i shouldn't book this till i gain employment?

f**k off Hope i don't get in trouble