Octopus's GARDEN - The Beatles

Atomic - Blondie

That seems logical with QQ. I could roll over PDE again this month for £20 and then pay them off in full next month. The issue will be Wonga. ______________________________________________________________________________________________ makes sense by paying the £20 rollover fee you could save yourself a lot in missed payment charges

Pay Quick Quid off in full. If it defaults they will add fees and charges adding potentialy hundreds to the debt. If you could do the same with PDE it will save you a lot of money in the long run only defaulting with the one company.

Pictures of LILY - The who

Bonus 77, unlikely to get anywhere with harrassment. somewhere in your credit agreement will be a section giving them permission to contact you on any number available, if thats work, mobile it does not matter. They can ring you 100 times at work if you dont pick up phone and talk to them its not harrassment as they are only trying to make contact. If you speak to them come to an arrangement,or even tell them you are unable to take calls at work, then if they continue to call you could have a case for harrassment. unfortunately at the best they may get a small fine probably a slap on the wrist unless they are repeat offenders. As for calling your wife unless she is party to the loan you have a very good case, if they discussed amounts, missed payments anything like that then you have a good case to make a complaint.

companies can use credit agencies without submitting information to them, but can register a default at a later date. Some companies will only send information every month or so, just because they are not showing at the moment does not mean to say they wont in the future. The answer to your question however, is no it will not affect your credit rating if nothing is registered

Southbourne.. total of loan £6269.52 + interest charge of £8249.01 + £235 acceptance fee = £14,753.53 you have to pay the interest plus the loan amount.

afraid to ask

I can only comment on agreements I have seen, if yours states you can return the monies and there is no charge or interest payable then i cant see how they can charge you. maybe you should ask them where in the agreement it states they can charge interest. The cancelling issues is a catch 22, by agreeing in the 1st place to the credit agreement you are agreeing to their cancellation clause, which may or may not inc a paragraph about interest/fees. The distance marketing regulations 2004 states they can make a charge for any service provided. By transferring the money into your account they have provised you with that service. its all legal and above board i'm afraid.

they are not giving anyone an interest free loan. Not sure who your agreement is with maybe they have made a mistake on thier credit agreements, but unlikely as they would have employed large and expensive solicitors to draw up their legal documents. I have two agreement to refer to (wonga and month end money) and both state even if you cancel they can charge for services provided. its all perfectly legal otherwise everybody could borrow xxx amount interest free for up to 44 days.

Yes they can charge you interest but only for as long as you kept the money. If you returned it after 20 days they can only charge 20 days interest. It must be written on your agreement somewhere they will charge a daily rate. unfortunately with payday loans it is almost pointless cancelling as the daily int rate will add up to almost the same (if not more, unless you return the funds before 30 days) as the original loan

They can instruct a debt collection company to try and recover the debt. this company can only knock on your door and request payment, they are not a balliff, but may try scare tactics (not illegal as long as they dont harrass you) they can threaten you with court, removal of good CCJ's attachment of earnings but all of the above must involve a court hearing 1st. most payday co will not risk a court hearing. I dont say the above to sacre you just warn you not to be intimidated. If the company mini credit instruct are independent you may even be able to arrange a repayment plan through them to suit yourselves better.

cant believe this line. " Can I make you aware that you are currently in breach of your Credit Agreement and therefore reference to this agreement is technically irrelevant. does that also mean the sections about them adding charges and fees to your account, and their legal rights to pursue the debt are also irrelevant. worth asking them (by email of course)

Yes they can, dont do it. you might as well give them your new debt card no. ask for their bank details or even send a chq to their registered office (by recorded delivery)

Sunglasses - no what do you think it was some sort of tacky event (he just signed some pictures and the silk scarf he was wearing) We have a big picture frame in our down stairs loo with his signed picture, scarf etc.. its always a talking point for new visitors to the house

I got married in Vegas, little chapel of flowers up near the stratosphere hotel. Had elvis too, he sung love me tender as we walked down the asile, stopped the ceremony half way through for the wonder of you and finished off at the end with a rousing chorus of viva las vegas. It was sooooo funny got the dvd pictures with elvis afterwards everything. and yes although it was 9 years ago I DO BELIEVE IT WAS THE REAL ELVIS

I take it your counting down to Halloween then. that must be like a birthday and christmas all rolled into one

hello I am guesing that either you are 6, you have a 6 year old child or you have been married 6 years! 6 year old child spot on (you a witch)

If you have paid more than originally borrowed give them a call before thursday see if they will accept a sum to close the account. if you default they will add hundreds more in charges and default fees you have nothing to lose at this stage, they can only say no (which will leave you in the same position you are in now)

How much have you paid back compared to the original loan amount, and how much is still outstanding?? If you have paid back more than originally borrowed they may accept a full and final amount rather than see you go down the DCA route, you have nothing to lose by asking.

Christmas (only 3 months to go)

are the nice flesh coloured ones

If its not too late and your credit rating is Ok consider a personal loan to clear all these off. If you default the outstanding amounts will double at least and you could spraed the repayments over a few years to keep your repayments down. otherwise you may want to consider a DMP given the number of companies involved, if everyone of them phones you 5 times a day thats 45 calls a day. this is only a personal opinion though you should take professional advice (but dont pay for it)

made his excuses and left. suddenly