Hi I arrived home from my childs football game this morning to find a rather rude gentleman on my doorstep from mototmile finance I have recently set up a new payment arrangement for this payday loan debt so was furious to find this guy at my door. I politely told him to do one and he rang the office to check on this . I rang motormiles office and hit the roof. The guy on the phone then informed it was also about another debt they had purchased from wage day advance (this was news to me.) I told them that I saw this as intimidation I was informed that they were assessing my property and then intimated I showed no signs of financial hardship . I am absolutely appalled I have been experiencing difficulties and what right do they have to do this. I have agreed a low level payment plan with them and ignored threats of legal action , this worked. How do I go about reporting these lowlifes?

Hi I owe £750and to roll it over you need to go in to the branch and pay £168 the day before your payday in other words the worst day of the month. I was unable to do this as I had lost my debitcard and it had been cancelled so I was waiting for a replacement As I didnt roll it over they tried to collect the £750 and the £168 interest from ehat was a cancelled card. When this didnt go through the following morning the phone calls started. I had at least 10 on Friday and i told them I couldnt pay. i was told to bring the money for a rollover to the branch by close of business, obviously I couldnt do that. This morning the calls started again and eventually after i told them i would not have money for a rollover until Tuesday i received a text from a paul smith (I suspect a made up name and actually a branch member of staff) which said that they were from the collections team and I had 24 hpours to pay or a 3rd party door collections team could be involved and an arrestment of earnings given to me. I do not want to roll this over as to do this I will need to provide my debit card details and I am sure they will try to clean out my account. I now do not know what todo the calls are unpleasant and one turd said he would carry on ringing every contact number i gave them until it was resolved. They also said i was gaining £30 a day charges. This is now 1 day late. HELP!!!!

Has anyone had dealings with cheque centre I have just defaulted on a loan with them

How did they do this? They have not been able to take payment from me from my cancelled card. Has anyone else had dealings with cheque centre especially after default

Hi Thank you for posting bank details for swift sterling . Do you know which bank this is with ? Also how did you get your loan ref no because when I log into the site I cannot access my loan information anymore? Thanks Josie1

I know how easy it is to panic but just teke a deep breath and keep calm. I managed to break the ridiculous hold all my payday loans had on me by getting a new debit card. Many many attempts to take money have been made on my old card and in the last two months only one payment managed to be taken off my old card. These companies have tried many ways to get my new card number but as my bank advised me I have given my new card number to hardly any of these companies, I have obtained bank account details from the majority of companies and from this site and am in the process of paying amounts I can afford regularly. Swift sterling have appointed a debt collection agency who ring me daily usually a recorded or text message asking me to ring them. I will not ring these companies and I am communicating by email. None of the payday loan companies want to communicate by letter only by phone . I still do not really know why this is? None of this has been easy and of course I still owe money but I am now in control of my repayments. Just keep strong.

Thank you for your reply the information and advice you have given me has been great, I now have regained my courage and will sleep better tonight. Thank you.

Hi thanks for that reply I am just about to email swift sterling and consumer resource solutions the DCA to say I am paying £10 a month by direct transfer to swift sterling direct. I take it that you didnt get a court summons? Were you threatened with this? My Dca have said that in 34 days the case will go back to swift sterlings to go to court. It is very encouraging that they have accepted your repayment plan. Has anyone actually been taken to court by swift sterling? I only defaulted in June ( the end of the month.) Thanks for all this advice and helpful hints just goes to show a problem shared is more than halved.

Hil Thanks for the reply and encouragement. The DCA i have been allocared are credit resource solutions I think this is because they are local to me. The guy just didnt seem to want to talk about anything other than full paymentand I pointed out that had that been possible we wouldnt have even needed to know of each others existence. I dont yet have an email address for these people but I apparently have a letter coming to me. As I said earlier I am going to regularly pay what I can afford direct to Swift Sterling . I dont understand why a debt collection agency would be handed the file for 34 days and then it is passed back , presumably to scare and harrass you into payment. When I didnt appear ruffled by threats of court, awful credit ratingds,attachment of earnings he kind of ran out of steam. Can anyone explain what happens when you receive a county court summons, I have never needed to know before I stupidly let myself enter the payday loan nightmare?

Hi I am slowly escaping from payday hell With my banks support I have cancelled my old debit card and have a new one and all but the odd transaction are now rejected when my old card is used. I have not let the many payday loan companies \i owe money to know my new card number and the ones I have agreed payment plans with have agreed to let me pay by direct transfer. It has not been easy I have had obnoxious phone conversations and annoying numbers of calls .Empowered by information on this forum i decided to stop the hold these loans had on my life. There are two companies who will not budge on repayment plans, SWIFT STERLING and CAPITAL FINANCE ONE. These have threatened doorstep collectors court judgements, attachment of earnings etc all intimidation. My file for swift sterling has been passed to a DCA and have heard from them today. They refused any kind of payment plan and went quiet at the mention of a part payment. Apparently I have 34 days to pay in full before my case is passed back to swift sterling for a county court judgement. Didnt like their attitude but I was firm and said I would not be able to pay in full. This will be the last time I talk to them on the phone it will all be done by phone. I now have swift sterlings bank details and will keep paying them small amounts. The situation I hav got myself into has been hell and I still have bad dayswhere i suffer self doubt and panic. I do now feel that I am in control of my own situation and no longer care about my credit rating the last thing I need is more credit. Thanks for all the advice I have received its been a lifesaver. Ill keep you posted.