Hi guys ive had a history with QQ and Wonga. Wonga luckily ive cleared but QQ i loaned from because i had lost my job. I'm currently in a IVA therefore that is a priority payment and I do not wish for it to fail - i have been transparent with my IVA company and told them the reasons for additional borrowing for the sum of £750. I have explained i my unemployed status and sent proof of my sign on certificate. I am starting a new job monday *cheers* however QQ are owed one payment of £187.50 due on 28 Jul, 2011 £937.50 due on 26 Aug, 2011. As i do not have the funds to cover the first payment OR the second payment, what should i do next? The IVA company did ask me how I was going to propose to settle the additional debt, because as its outside of their proposal i can't add the new creditors to my IVA. I explained i would arrange a payment plan with QQ to settle the debt. Now reading the posts, it appears i may not have to do this. My only reservation is i live with parent's and my Dad would be furious if he found out i had a loan from QQ because of the high interest etc. What would you guys suggest i do? the payment is due on the 28th. do i let it lapse and then go from there?. I have however, cancelled a card they had on file as 'lost' so they can't take money from that account and fortunately setup a new bankaccount for my wages to go into. I noticed QQ have a directdebit setup on my other account which ive heard horror stories of them forcing funds etc. Also, being a US based company they can probably get away with it. Thanks guys, this is my first post

Hi guys ive had a history with QQ and Wonga. Wonga luckily ive cleared but QQ i loaned from because i had lost my job. I'm currently in a IVA therefore that is a priority payment and I do not wish for it to fail - i have been transparent with my IVA company and told them the reasons for additional borrowing for the sum of £750. I have explained i my unemployed status and sent proof of my sign on certificate. I am starting a new job monday *cheers* however QQ are owed one payment of £187.50 due on 28 Jul, 2011 £937.50 due on 26 Aug, 2011. As i do not have the funds to cover the first payment OR the second payment, what should i do next? The IVA company did ask me how I was going to propose to settle the additional debt, because as its outside of their proposal i can't add the new creditors to my IVA. I explained i would arrange a payment plan with QQ to settle the debt. Now reading the posts, it appears i may not have to do this. My only reservation is i live with parent's and my Dad would be furious if he found out i had a loan from QQ because of the interest etc. What would you guys suggest i do? the payment is due on the 28th. do i let it lapse and then go from there?. I have however, cancelled a card they had on file as 'lost' so they can't take money from that account and fortunately setup a new bankaccount for my wages to go into. I noticed QQ have a directdebit setup on my other account which ive heard horror stories of them forcing funds etc. Also, being a US based company they can probably get away with it. Thanks guys, this is my first post