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RiHarv

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About RiHarv

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  1. I've been paying Wonga the repayments of around £40 a month as agreed in our repayment plan. This has been happening for over a year, without any problems. I noticed a month ago that my payment bounced back into my bank account. I tried to manually pay the amount online but again it bounced back. I then contacted Wonga via email to ask what the problem was and to assure them that I was attempting to pay the amount. I got an email response a number of days later to say my interest will be frozen for 35 days until an offer was agreed. I then emailed back with my original offer, as my financially
  2. Hello, I am in the process of setting up DMP for my payday loans. I have had a reply from Text Loan advising I would owe £554 instead of the £350. What should I do? The email as follows: Dear Richard, Thank you for contacting us. If you require a repayment plan for a period of time exceeding the 60 days of our credit cycle, the full overdue balance to be repaid will be £554, which is fixed as after 60 days the interest and charges are frozen. We are prepared to accept £15.95 monthly payments. Please be so kind as to provide the exact dates we can debit your c
  3. I have had a reply from Text Loan advising I would owe £554 instead of the £350. What should I do? The email as follows: Dear Richard, Thank you for contacting us. If you require a repayment plan for a period of time exceeding the 60 days of our credit cycle, the full overdue balance to be repaid will be £554, which is fixed as after 60 days the interest and charges are frozen. We are prepared to accept £15.95 monthly payments. Please be so kind as to provide the exact dates we can debit your card, or set up a standing order. -- Kind regards, Adrian Young
  4. Thanks again renegadeimp. Luckily these 2 companies have said they will freeze the intrest and have not stated a charge will apply. If they do add an admin fee, what should I do? Simply just pay up to the amount it has been frozen at, then advise them of the OFT, unlawful fees?
  5. ok, well it is too late for that now. I have had 2 acceptances of the offers I've made, so Im pretty happy about that. Thanks for your correction though, hope other people wont make that mistake then.
  6. Just name of each creditor and the amount I owe each one. No bank details, employer details or in dept creditor details
  7. Thanksvery much your support guys. So far I've had a few responses: Wonga:Have froze my interest for 38 days. Said they have not received my Income andExpenditure form, but once they receive it they can review the amount offered.I've re-sent the form. Very happy they have frozen the interest QuickQuid:Said basically I have to default before any repayment plan can be made. I'llre-send the letter and Income & Expenditure once they start demanding moneyI guess. PoundsTill Payday: Said to call them to discuss payment option. I again wont be doingthis. I think I saw a useful let
  8. Hi Guys, Brand new to this site, but it has already helped me so much. It iscurrently 6am, I've not slept. Too stressed, worried and sick. I've been stuckit payday loan debt for ages and barely staying sane or knowing how to dealwith it. It has been going on for years and getting progressively worse. Feltstuck, helpless, ashamed and constantly anxious. Its got to a point now where I just cant take anymore. I feel a completefailure for even getting involved with these loans, but it seemed to be onething coming up after another. Then having to afford the interest charges....so another
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