Hi There I am currently trying to reclaim ppi from Opus previously Citi Cards and they have sent me a FOS questionaire to complete. I have been looking at other forums in regards to the success rate for these companies and have noticed that some people are getting rejected due to them opening their credit card account online. I also took my Citi Credit card out online in 2003 and am positive this box was pre-ticked without me noticing it, as there was no way I would have added this extra cost ,the only time I noticed that I was paying for this was when a few months later I noticed it on my credit card statement and when I phoned to enquire what this was that was then they informed me, I asked to cancel this but was basically bullied into keeping it, Due to this fact do I still have a claim against them. Any help would be much appreciated. Thanx

Swift Sterling & CRS,Ect Hi guys , just wondering if you can give me some advice, I defaulted with Swift Sterling on the 30/11/11 but emailed them on the 26/11/11 advising them that I could not pay them in full and I would start making 10 monthly payments with one month interest added plus their usual default fee. in which I started to make make payments on the 1/12/11, I had the usual phone calls from their inhouse debt department and kept informing them that there was no way I could pay the balance in full , after the so called 34 days I am now getting emails & texts from CRS asking me to contact them , but no phone calls as yet, I emailed them today advising the same thing I told their inhouse debt collectors on numerous occasions "That I cannot pay the balance in full as I simply do not have it & I will continue to pay Swift Sterling direct. The reply I recived by text that was they still need to speak to me and to call them. Do I call them? or do I just simply ignore them and keep emailing until they actually call me. Anyone with experience of this situation with Swift Sterling and CRS that would be able to advise me would be much appreciated. Please note so far I have made two payment direct to Swift Sterling after defaulting on the 30/11/11. Regards alibali

Hi There , was just wondering if anyone could help me out with my credit card debt, would like to write to Vanquis and also Aqua asking if they would maybe freeze my payments and also accept a reduced monthly payment. Does anyone have experience of these companies doing this? I would appreciate any help in this matter. Regards Alibali x

Just to let you guys know I checked my bank account today and Power Loans have refunded me the money in full, I have just transferred it into my other account where my wage goes into so they dont get a chance to take it back, there is now no money in the acount that they have details for so hopefully that will be the end of it until I can pay my overdraft of in full and close the account. Thanks for all your help & i sincerely hope you all get your money back too. Kind Regards alibali704

Hi Tropaz Can I ask what contact number you phoned as I am getting nowhere with them , sent a letter recorded delivery asking for my membership to be cancelled asap and my money refunded just like they asked when I phoned the complaining, emailed them yesterday enquiring them to confirm that my account was cancelled and my money would be refunded,, today I got one of their standard emails back going on about how I signed up to this membership and what benefits I would get from been with them. the more this goes on the more angrier I get, I am a single mother and this was my child benefit money they took, they left me & my daughter £14.00 to live on. I just cant beleive they can get away with this, they are not even licensed by the OFT, surely this is a criminal act in itself? Sorry for going on , but soooo angry, any help you can share with me would be appreciated. Kind Regards alibali x

I also had £69.70 taken from my bank account last Monday, it was my child benefit money, I phoned Halifax and they stated the same thing as they had to Super saints and that I would have to contact the company direct. I phoned Power Loans and was told that they will cancel my membership over the phone, and to send a written request to them for a refund, I did this last Thursday recorded delivery, I have given them 14 days from the date of the letter to refund me or I will be going to the OFT and Consumers advice but no response so far. I just cannot believe that they can get away with this, I thought I was putting my details into a direct payday loan company and not a broker, it seems that I was re-directed to this site and was totally unaware, if I was aware of this there is no way I would have done this, why would I want to fork out that kind of money for someone to find me a loan when the reason I need one in the first place is because I am short that month, how the hell can this be legal. I will let you know how I get on and will also be taking this further if I dont' get my money back, I would love to know how you get on Super saints and hope you will keep us informed.

Hey guys, I have posting on here a lot and the advice has been great, I have managed to sort our re-payment plans with Wonga, Payday Uk & Lending stream, however Quickquid & Swift Sterling are proving to be the toughest or most frustrating. Quickquid did agree to a 6 month plan of £127.70 for 6 months but they wanted my bank details or debit card, advised I would not do this but would pay by Paypal, they then responded stating that they only accept paypal if you are making the payment in full & would still require my debit or bank details. I have two bank accounts with one with no balance and the other I get my wages paid into, I agreed with Quickquid that I would pay them a £100.00 today switching that just amount over to my old bank account with no more and asked for the remaining balance of £673.00 be paid over 5 months, they refused stating that as I have not paid June balace they will still have to take a payment of £134.40 out on the 30th of June, & therefore more payments a month after,I have tried to argue that means me paying £234.40 in one month. With Swift Sterling I emailed them on a few occasions asking them to contact me in writing , have had numerous phonecalls at my work and by text, I then got an email from Barry to say to contact him whom I have then since emailed him back with my original offer, with no response. I have now been offered a loan by a good friend for £700.00 with no interest , to pay off Quickuid. Sorry for the long speel , but my question is do I pay of Swift Sterling my total balance of £430.00 & pay off try to pay off some of my balance of £230.00 by installments to Quickquid @ £46.00 x 5 monthly payments. Sorry so confused with what to do , everyones advices would be grateful xxx

Sorry guys, totally disagree with the ones who say just wait, we were stupid enough take out these payday loans so why not just get them sorted , I have emailed Lending Stream on a few occasions with no response, I have now got one letter ,felt guilty so phoned them, they were more than nice and now the repayment plan I wanted is in place, with just one phonecall, most of my other payday repayment plans are now sorted except for Swift Sterling who are being ackward . Just think why not get it done &dusted now & wait later on, thats when it will catch up. Thanx

I also had an overdraft of £600.00 with halifax, I phoned them asking if I could also have a basic account as well as my current, they stated that I could but would have to fill out an application form which they could either send me or I could complete at a Halifax branch (this was an account with no credit checks), they also stated that I could apply for another current account with them as seemingly you are allowed up to three with the same bank in which i could do over the telephone(which they would have to do a credit check) thought I would try this but did not hold out much hope as i have a bad credit rating but if that failed I would just apply for a basic account, low & behold they accepted me for another account with an additional overdraft of £500.00. I have just transferred everything over from my origianl current account,ie,wages,direct debit for bills ect to this account and then I was able to pay my original overdraft with the new one and close my original account, this way i have a new account number ect but with the same bank. If this fails, still open up a basic account and transfer wages, dd ect, just make sure you cancel your card on your orginal account(stating it has been lost/stolen, then set up re-payment plans with the payday companies you owe and then make an appointment with the bank and explain the situation you are in and how you can sort out paying back your overdraft. In regards to how quick they will accept, PDUK replied to me in 2-3 days (but you have to default first before they will reply) , Quickquid were quick too & have after some pushing have accepted a 6 month plan, but will not give you their bank details & want paid by DD or debit card which I am refusing, so am still trying for them to accept paypal payments, Lending Stream you will have to phone them after default and explain your situation,then they should come to an arrangement quite quickly, as said before I have no experience of Cash Genie but others on this forum may be able to help. Hope this has helped you & dont worry too much it will work out in the end

Hi disco daddy, I do have a template, will put it on tommorrow as have it on my email at work, dont worry Payday uk will originally respond stating that they dont do re-paypayment plans , just email them back back informing them that you have lost your job with the amount you can afford to pay,otherwise if you paid them the amount they are asking you would only have £xx.xx to live on , they should email back stating that they will accept a 3 month plan at £50,00 per month then afterwards they will review it, if you still cannot afford this just keep emailing them with your situation and what you can afford, they are ok to deal with, you just have to keep pushing. Lending Stream will only give you a couple of texts (no phonecalls) advising you have defaulted, I myself have sent them a few emails with a re-payment plan with no response, think you should phone them and explain your situation,they should give you a re-payment plan because you have lost your job, if not just keep emailing them with a re-payment plan, if they dont respond, at least you have proof you have been trying, hope this helps and will forward you the template tommorrow:-)

Hey Nic, dont worry was in the same situation as you and was also losing sleep, 1st thing to do is open another bank account asap, halifax & Natwest will give you a basic account without any credit checks, phone them tommorrow and ask for an application form, once you have a new bank account switch everything over, except any direct debits with any payday loans, once this has been set up , phone your old bank and cancel your card, then email every payday loan company explaining you finances have changed and inform them what you are willing to pay and over a certain period. How much do you owe these companies & i will be able to advise what they accept in re-payment plans, except for cash genie:-)

Hi guys, have been trying to set up a repayment plan with quickquid in which they have now accepted a 6 month plan but have refused to give me their bank details. I have offered to pay by paypal but they have stated that they only accept paypal if the balance is paid in full and will only accept payments by direct debit & debit card, I do have my original account which has no money in it and was thinking i could maybe just transfer the exact monthly repayment from my new account to this one in order for them to be paid without getting any more. Does anyone think this is a good idea or should i stick to my guns and push for the monthly payments to be paid by paypal. Many Thanks

Thanks for that, will give them a phone

Hi guys, just wondering if anyone knows what happens with lending stream, have emailed them a few times, with a reypayment plan with no reply, they have only text me once chasing payment, noticed on other threads that they do not seem to get back to anyone and just wondered if anyone has ever heard anything back as i am scared my loan will just be adding up interest. Kind regards

Hi there my debt is for £427.50, I have offered to pay over 12 months as this is the minimum I can afford as I have 5 pay day loans altogether totaling around £3,500 and have managed to set up repayment plans with two of the companies, but am still awaiting to hear from two of them , have been giving Swift Sterling bank details from another member on this site but dont know whether to start making payment through standing order without an agreement or just wait until I know what they are going to do.