im currently at work and will check out the links when i get home had a lovely phone call at 830 am from earlypayday. they were transferred to my phone i said 'susan speaking how can i help?' they said is that susan? I said yes, they then went into a big rant about how the direct debit want paid today and the company they werre from i was shocked that no security check had been done they hadnt even asked my surname surely that breaks some sort of confidentiality

ok will do thanks!

Cant they pursue me for fees etc?, although i have already made a payment to them so i suppose that would cover it?, Does it matter that they have sent letters out to my creditors? So just ignore the dmp company and start sending the letters to my creditors myself? I have changed my card, awaiting new one getting sent out, i have also created a new account, as i have heard some companies try taking ur money without ur knowledge, moved my wages tonight at midnight to the new account!! Just so i know its safe.

thanks dx, and yes i didnt realise how easy it was to do a dmp on your own. Im currently looking in to ending my agreement with dmp company and no my mums will be herself, we will do it together and get thru this mess.

ok thanks will give it a go any money back would be a bonus!!

I unfortunately havent contacted the companies yet, im just not sure what to say but i looked through the library tonight and found helpful letters so will get them sent away this weekend. Also been looking at dumping my dmp company which was suggested however from what im reading in the terms and conditions i have to give 60 days notice and also a closing fee may be charged which would be 1 months payment :S i will discuss it with them on the phone tomorrow to find out actual amounts. I have cancelled my standing order to the company as i have changed bank accounts so will be paying by card to them and will deduct £25 from what im giving them to cover the token payments to the payday loans. Cant believe i have got myself in such a mess, dont ya just wish you could turn back time!!!

Hi Guys You have been fantastic in helping me with my problems and im now looking into helping my mother as well. Any advice would be great. My mum has several creditors which she has been making payments to each month namely, provident, greenwoods and morses. She is a full time student who gets a monthly bursery, however in the summer period she had no income as she was not "entitled to any benefits, including job seekers allowance etc" all to do with the fact she is a student above a certain age with no dependants. She is now in £1500 arrears with her rent, and if a "substantial payment" is not made this month she will receive an eviction notice. She has recently started a part time job as a supply teacher however this is on an as and when needed basis so there will be no "definate amount" of income. She will graduate in May this year and hopes her part time job will still be there at the end of it, until she finds full time employment in her field. She has now taken the advice of a dmp and the letters will be going out to creditors this week, however how do we tackle the rent?, i understand this takes 100% priority but unfortunately the council just dont seem interested. In the summer period when she was trying to gain benefits noone seemed to care that she didnt fall into a catagory which entitled her to anything and the council dont care that she had 5 months of no income, there doesnt seem to be any sympathy and were not sure how to tackle this. She has now taken on more credit to meet the "substantial payment" this month that she just cant pay back when agreed. Any advice?, Were in Scotland, if that matters. Thanks

Just been thinking about all this lately, the Marshall Ward account was from 6-8years ago, I didnt realise about the statue barred thing!, have i mucked this up by giving the dmp company this info?, as im then "acknowledging the debt?, and in relation to the charges you believe will be on the account do i sar hillesden? And then can you still claim charge back if the debt is statue barred? This is all very confusing lol!

i have written it down confusingly lol, OC are Marshall Ward (Robinson Way), and Capital One (Nolans solicitor acting for Hillesden)

ok the 5 payday companies at the bottom of my list are the ones i took out after my dmp. The oc's were Robinson Way - Marshall Ward and Hillesden - Capital One

i hope your right lol, would definately help my financial situation, i will sar welcome and also rbos i have posted on ppi section regarding them, had to take a loan out with them to cover £900 bank charges they charged me. Will update when i have more details on credit report and sar etc. Thanks very much for your help, this forum is fantastic, will definately be making a donation when im in a position to do so.

i dont have any paperwork for any of the creditors. The loan from Welcome was originally £1000, then another loan for i believe around £2000 to cover the first one and give me some money. i paid £250 a month to them for about a year and a half and the balance was still over £4000 . Im really stupid when it comes to these kinds of things so not sure what you mean by who was the OC?, and not sure about the credit report yet, i cant access it without card details and i have cancelled my card to stop payday people taking money so will get credit report as soon as i get new card.

Welcome Finance £4500 Provident £3000 Greenwoods £700 Morses £500 Wonga £900 Robinson Way £662.58 Hillesden Securities £200 Earlypayday £150 UKPayday £375 1mth Loan £325 Txtloan £117 Payday Express £200 Im going to obtain a copy of my credit report to make sure everyone who is on there is getting sorted.

ok will get on to that

I am currently in a debt management plan and im sure that one of the creditors are a debt collection agency for the remainder of this loan. No documents for it but i suppose i could try contacting the bank.

The problem is i have only started the dmp in November making the first payment in December. I then took out another 5 payday loans within December and January!. It does state in terms and conditions that i agree to not take on any more credit. The reason they wont add them just now is because i havent tried to pay them, basically taking on the loans knowing full well i couldnt pay them back. Friday is payday and the first time these payments are due back. Wont the companies just tell me to bugger off since they are just new loans?

Just a wee update, i plucked up the courage to phone my dmp company today and they advised to pay a token payment to the payday loans for 2 months then they will add them to the dmp. I have now cancelled my card and even opened a new bank account to sort my finances out. I have also self-exluded myself from all gambling websites and seeking help from a counciler. I now have to pluck up the courage to phone the payday loan companies to tell them im only making a token payment :S.

Hi I'm going back to 2003 so not sure if i can do anything but heres my story. I had an account with RBS and when i turned 18 they gave me a £500 overdraft without any communication. I used my debit card in a shop for a transaction no more than £3, but when checked a statement later on realised i didnt have the funds in my account. Because i was able to use my card in the shop i wrongly assumed they had given me more of an overdraft with again no communication. Boy was i wrong!! I never used the card for more than £2 transactions as i thought well its money i would have to pay back so im not gonna take the mickey with it, however what i didnt know was i was getting charged £30 quid every time i used it. I got a wonderful letter telling me i had raked up over £900 in charges. I made an appointment with the bank to discuss the situation and was told the only way to fix it was to take a loan out to cover the charges, which i did for £1000. The money went into my account but never left it so needless to say it got spent. I then had to take another loan out to cover the first loan to cover then charges. Not sure how much the second loan was worth. I paid religously every month apart from the very last payment. Needless to say i had debt collectors letters etc which my DMP company are dealing with. I do not have any information of this loan as it was so long ago. Im not sure if PPI was on the loan either. I suppose my question is do i stand anywhere in getting anything back? Surely the £900 charges which started the situation are not justifiable. Any advice given would be appreciated.

Hi First time poster and very nervous. Im 26yrs of age and got myself in a right mess. Borrowing has always been the done thing in my family, so as soon as i was 18 i was getting loans whenever i could. Not just to splash the cash but to support my mother who was single and unemployed. I have worked from the age of 15 but was never in a high paying job. I found "gambling" not long after turning 18, first it was slots at local bingo halls, until i found the devil - online casinos! i then went on to spend every spare penny on gambling, a bit for the thrill but more so because i convinced myself i needed to gamble to survive. My gambling issue is another story but i wanted to give u some background info. I entered a debt management plan in November and made the first payment in December which has reduced my monthly payments vastly. Unfortunately as my name informs you since entering this plan i have taken out 5 payday loans, and now owe more than i have coming in next Friday. I had planned to roll these loans on by just paying the interest and "eventually" pay them off. My mother contacted me today crying, she had her bursury put in her bank this morning, to the value of £600 and gambled every single penny away. She was supposed to make a payment to her rent to stop from getting evicted! it was this phone call that kicked me into shape. This has to be sorted, so first and foremost I have a gambling problem and am seeking advice from Gamblers anonymous!. I was reading on some debt advice websites tonight and when reading on debt management FAQ, one of the questions was "can i keep a credit card for emergencies", the answer was no as your creditors in the debt management plan will think you are favouring other creditors therefore may not settle. Im not sure what to do now, will my debt management company entertain these payday loans as they were taken after my agreement with them?, or do i struggle along with making token payments to them? Please dont judge or lecture me, i know this is all my own fault, i also know there is only one person who can fix it, as im trying to do now. Any advice would be appreciated.