Hi asmile, Yes i have been in contact before the repayment date firstly when i knew i couldnt pay in full and was told to default first and again this week several times but i just keep getting told to ring when i am paid to make a payment?!! I have repeatedly asked to set up a repayment plan and explained i will not be able to make anywhere near the full ammount owed anythime soon due to financial problems but i will and can commit to the amount i offered. Extremley frustrating as all i seem to get is a robot response of call on payday and pay the full amount grrrrr lol

Hi, I have managed to set up sucessful repayment plans with the other payday loan companies i owe money to but 24/7 money box are being extremley difficult. I have been in email correspondance with them regarding my account and have also spoken to an advisor on live chat,at first they agreed to my repayment offer and then contacted me to say that i will be incurring daily fees additional interest and £10 per letter being sent with 5 letters due out to me next week. I have requested that they freeze the interest on my account and pointed out that the charges are disproportionate as they total 50% of the initial loan ammount but i am getting nowhere i just repetedly get told to ring them when i have funds to pay the balance. Has anyone had any dealings with them or any advice as to how i can get this rectified?

I have been into my branch and paid off the overdrawn amount i asked to close the acount and was informed i couldnt as there was a pending payment and until this had been cleared it was'nt possible. I asked the cashier if as soon as the payment had cleared i could then close the account to which i was informed yes. I have since read online that it will take up to two weeks to close it. If this is correct then i really havent made any progress at all today by doing that as they will have tried again between now and two weeks time. I didnt see your suggestings until after i had been into the branch so obviously i havent taken any letters in with me as you suggested. I did however ring CCCS and have somebody calling me back this evening to go through my options as to what to do next. I thought that by clearing the overdrawn amount i would just be able to cancel the account and deal with the PDL people as i am doing by email but it would seem not

Even if i place the bank account in there also? as it has an overdraft facility on it which is how they are currently obtaining their money! as i have removed what little available funds i had left that were cleared and mine to the other account

I have just received the reply from my bank to the email i sent last night regarding no longer giving permission to take any continuous payments from these companies only to be told that they are within their right to do that and the bank will allow it and stopping my card (which i had not even mentioned) would not cease any payments to stop either!. I am really debating to just ring a DMP and try and get this sorted that way as i am worried sick

Thanks Sillygirl, Yes i ahve an alternative account set up i did that last week so my wage should be safe in there. I have replied and filled it in before i posted it on here I will just have to wait and see what they say bearing in mind last friday they took a total of £160 from me in two seperate payments already!

I have just received this reply: Dear xxxx, Thank you for your email. In order for us to agree a suitable payment plan for you we will need you to complete the below income and expenditure form detailing your monthly income and outgoings: I informed them that i have cancelled any continuous payments with my bank but by the sounds of that they are just going to raid my account now Monthly Salary: £ Other Monthly Income (Benefits, Pension etc): £ Total Income £ Rent/Mortgage: £ Utility Bills: £ Mobile Phone: £ Groceries: £ Credit Card and/or other Loan payments: £ Other: £ Total outgoings £ Amount left over £ Please also advise what other credit commitments you have and how much your arranged payments are to each. Once we have this an agent will make an assessment and propose an arrangement which assists you in repaying the balance and supports your current financial situation.

Thankyou Sillygirl i will definately try that approach.I have not had a reply from anyone i have emailed yet do you think i should call them? or give it till the end of the week? I'm just stressed out and i want to start rectifying this as soon as possible with some kind of set payments in place.

Hi ChaosTheory, I have just been reading your post and am in the same situation,i was wondering if you could advise me how long it took QuickQuid to offer you a 12month plan? I am due to default on the 15th March and contacted them via live chat to be told i could either accept the pre-default plan of 253 per month (which i cant afford) or get back in touch on the 15th after payment has failed and request a different ammount. Did you follow the same procedure with them before they came back with this offer??

Thank you Jon , I am hoping that they will respond to my email tomorrow i have spent all weekend going over and over things to the point i now can not even think straight! Its all very daunting especially QuickQuid informing me i have to default before i can arrange a payment plan its seems rather silly when i am notifying them weeks in advance,they would not budge on the offer of 3 months @ £253 and i didnt want to commit to this as i cant afford that i am just hoping i can spread it over more than 3 months after the 15th march Sillgirl1 can i just ask about the 'snowballing' thing i understand what you are saying as in clear the smaller ones but if i manage to get a payment plan agreed for a fixed ammount can i still do this? Sorry for being a bit thick my head has gone its all such a mess!

Thank you all for the advice. I found the link on here regarding the right to cancel continuous payments.I have telephone my bank today and informed them of the lenders and that they have been notified i DO NOT give my permission for any further payments. I also included in my emails to each PDL company the following: Further to my prior email sent via the link on your site (26.2.12) requesting a payment plan to be put in place due to financial dificulties. I wish to add that i have now informed my bank that i have withdrawn permission for any continious payment to be made to yourself until a satisfactory reypayment plan has been established in accordance with Regulation 55 of The Payment Services Regulations 2009: I am not sure if that will help any but i just wanted to make them aware i had taken that action with the bank! I will try and sort this myself as advised and forget the dmp route i hope i hear something back tomorrow via email thank you again for the advice

Hi, I currently have loans with the following companies: Quick quid,Purple payday Cash genie and lending stream. After rolling them over for the past 6 mnths i am unable to continue making the interest payments. I was considering a DMP with Harrington Brooks for 150 p/month but have since read stories where people say they keep your first 2 months payments etc so am now dubious. I have emailed each company requesting a reduced payment plan, with the exception of Quickquid who i spoke to via live chat. The advisor offered a pre-default payment plan of 253 p/month which i stated i could not afford so was then told i have to wait until the 14th March when the payments due and ive already defaulted to try and arrange another payment. I have transferred my wages DD's to another bank account but as of yet have not stopped my debit card on the account they have the details for. I just wondered if anyone had any dealings with these compnies before and could advise me of the likely response. I have read that Cash Genie is generaly ok with allowing a reypeayment plan but am not sure about the others? Thanks in advance