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HarleyQuinn13

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About HarleyQuinn13

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  1. Great, thanks for that, I think I'm just panicking over nothing really having heard so many people say that these kind of companies have taken money from their accounts.
  2. Okay, so I did something silly and have rolled over these loans again I left it too late to sort out my bank account. I want to make sure I have what money I do have secured before I contact anyone. I reported my debit card as lost/stolen and requested a new one, but after reading stories of PDL companies wiping accounts, I am now wondering if this will be enough? I know what I need to do regarding contacting the companies, it's this part that I need a bit more guidance on as I'm not sure what's the best option. I'm a bit clueless on this part. I've banked with Lloyds TSB si
  3. Wonga is the one that's causing me the most problems, I've cancelled my debit card today so will email them tonight. I have a draft of what to say. I've explained why my circumstances have changed, outlined my repayment plan, asked them to freeze interest, asked for their bank details and asked for future communication to be via email. Is there anything I've missed?! I'll also get in touch with QQ tonight. The others I can repay one this month, then contact the other, just need to decide which will be more understanding and the lesser of two evils =P
  4. Firstly, thanks for the welcome and for the kind, reassuring words I've never thought of it like that, I just thought I'd pay QQ £100 a month to pay it off in the three months they usually push for, so that it's dealt with quickly. If I offer to pay both QQ & Wonga £100 a month, I'd still have enough money to live without struggling, and once QQ is paid off, I'd obviously have £100 extra each month so certainly wouldn't struggle. Would it be better to calculate it on a pro-rota basis, and offer QQ and PDE less than Wonga then? PDUK isn't really an issue as I'll pay that one of
  5. Hey, I’m new to this forum so please bare with me! I’ve been reading the forums for about a week now and have gathered a lot of useful information, but thought that it was about time I bit the bullet and posted about my own problems. I, like many others on the site have fallen into the payday trap. Looking around the forum it’s good to know that I’m not the only one out there that’s gotten into this mess and that alone has made me feel a little better and spurred me to take control of my finances. I first used a payday loan company last year to pay some unexpected bills, and paid i
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