Thank you, i really appreciate all the help everyone is giving me. I am a natural worrier and i hate having this over me. As you say tho it will be sorted in the end i just need to stop worrying.

Received this reply Thank you for your recent email and your request for a repayment plan. Our accepted criteria for a repayment plan is as follows: Severe Disability or illness Imprisonment Terminal illness or Mental illness Deceased Redundancy or Reduced hours (contractual hours reduced by company) If your financial circumstances have changed due to one of the above, we would be able to consider a repayment plan, however it would be on the current balance of £400.00. We will require you to send in bank statements and wage slips covering the last 2 months to show that you are now in receipt of either financial support or a reduced wage. If you are now unemployed we will also need to see proof of unemployment or redundancy. Alternatively if your circumstances have changed due to personal illness we will require evidence in the form of a doctor’s note or hospital letter, as well as the bank statements. Please be advised that if you do not fit the above criteria or you are unable to provide documentation, a repayment plan cannot be considered.

Yes i can do when it arrives. They also stated £400 is due on the 21st April. So i'm guessing the statement of account will be the £400 loan plus the 2 x £80 i paid to defer. I emailed every address i had for every person who had replied to my 1st emails. This email the subject said We have received your emails lol so think they got fed up of me emailing them all day. Also sent this person my repayment offer of £240 to be cleared in may. The loan was £320. £80 interest so £400 in total. Paid 2 x £80 so offer £240. If they keep declining this i will wait until they pass it on and then they can get £50 a month. Trying not to let this get to me, i am pregnant and not been an easy pregnancy so far. Have been told to relax so want this all sorted asap

Received reply, have sent me a statement of account in the post.

Thank you for your help, not feeling as stressed. Just need to transfer my wages each week to the other account.

Seem to be ignoring my emails now, no reply. I also told my husband he said i was silly but we are ok and will get through it so pleased about that. Also asked my bank for a new account and should be sorted in a week or so but my card has been cancelled to my account. So once new cards and new account is set up will swap bills over to that one.

The email i got says interest and charges will be added one payment is late then after 8 days the balance will increase to £485. Waiting on a reply from them

I have sent off for a Barclays account and been accepted so waiting for all the info to arrive and cards etc. Is there anyway i can stop them taking money like a template letter. I do have another account with a diff bank so on payday i just transfer the money to that account minus dd that go out. I'm paid weekly so is a bit easier.

I see, thanks. So the charge is just added because the payment is late. I've given them plenty of notice and said i will pay in May but they want all charges paid. I also need to tell my husband and i am scared. My own fault really.

I don't really. The £400 is due on the 21st April but i was going to pay it off in May but without what i have paid already. Then the email i got said charges and interest will continue to be added

Thank you very much. I will do that now. In total the loan amount would be £645, and i will not pay that. Just want it paid off in May but without all these charges

Morning. They have given me the bank details but have said the £240 does not cover the loan amount and they will continue collections for the remainder amount plus the charges.

Payday express have said if no payment they will add on a charge of £85 to the balance of £400 and interest. If then no payment by middle of may they will pass on to a debt collector. So i re sent my email stating i will repay the loan in May minus the extra interest and charges and the 2 x £80 defer amounts and asked for the bank details again. I can pay them off in May but minus the charges etc, would think they would accept the £240 to clear it.Do i need to do anything else. Thanks

thank you, i will do this now

ok thank you, i was going to pay it off in May, but i have paid 2 x £80 defer fees. Should i email asking for a final settlement taking the 2 x £80 off then just pay them off in May

Does anyone know if because i have cancelled my old card payday express can get the money in May or would it be declined.

thank you both i will get there standing order details and offer them £50 a month upto £100. Good idea about the roll over charge guessing they would get me to roll over.

thanks, i have cancelled my bank card so waiting on a new one to arrive but i have changed card details with QQ and Wonga to a seperate account i have so will use that to pay them

Thank you, do i email them now or once i default on payments. I just want them paid off so can afford £150 a month to each and pay payday express off in May.

Hi, i took out 3 payday loans when we were struggling, i know i shouldn't have. I didn't tell my partner and i need to. I owe payday express £400 QQ £750 Wonga £700 I have rolled all 3 over this week so i have a month to sort it out. I can pay payday express off in May. I can then offer QQ and Wonga £150 each per month to clear the debt. I have changed my card with Wonga to my old account but how do i do this with QQ do i just cancel my bank card. Any advice in what i do next as i have no idea thank you