I have to say with txt loan I missed my repayment cos payday was put back they held the acc for a further 7 days at NO cost just the original £110!

I don't think there is as PTP refused me

No it's actually a DN!

The company I'm talking about are called pounds2day are they the same as pounds2payday?

I have given my job my new bank details. I can afford to pay one of the smaller ones off it's wonga I'm scared of

Ok guys here we go I've got myself in a disgusting and shameful mess with payday loans.... Please help

Wonga £1000 loan rolled over once owe £1645

24/7 moneybox owe £188

1 monthloan £270

Pounds2day £270

I have opened a new account as I know this is going to get messy isn't it !!

Ok I no for sure I never signed a contract just an app form I know this because I filled the app in and never heard nothing back for months then all of a sudden a card dropped through the door.

Sorry do you think I should propose a repayment plan before cca? I just think there gonna tell me to p off for ignoring the debt

Ok tomorrow il request cca - I've not heard anything from any solicitors. So whilst I'm doing that they can't proceed with court?

No the default notice was from Barclaycard I haven't heard from Mercers in a while tbh. I've done an i&e with £385 split between 9 creditors on £11000 unsecured debt- think barclay was bout £23 per month.

I've read a bit about cca but not familiar no?

Account is maybe 5 years old can't b sure

No I actually only stopped paying this year maybe about 4 months ago. I allegedly owe £675 (on a £360 limit) Mercers persued it very briefly only a few letters and a handful of phone calls nothing too heavy. Barclays just send me statements and a couple of letters saying your account is overdue. Unfortunately I just stopped paying I haven't made no attempt at all to repay, I'm not proud of myself and hope it ain't too late

Ok here goes..........

I have racked up massive debts over the last year or so it all began when my long term partner of 10 years walked out on me just before xmas last year (nice another story anyways) !!

At the moment the one I'm worried about or need the most advise right now on is Barclaycard ..

Now I'm the first to admit that whilst I was in my deep burying my head in the sand depression I stopped paying my barclay card and ignored all their letters and correspondence however I now feel ready to deal with these debts.

I received a default notice from Barclaycard on Friday and am now petrified and dont no what to do please help