Brilliant thanks.

great thanks for all the help Rene and will not do it again. I guessed quickquid would be a pain after reading various other threads but im willing to play hard ball for as long as it takes and i will only speak by email with them. Its early days for me, my loan's are not due unntil for another week and a half. Just wanted to know exactly what i can expect. Its great Paydayuk freeze the interest and charges i have their account details so i will set up a standing order as per your advice. I will do the same with quickquid although i have seen people's thread's where they could not get their account details so it might take a while for them to get their money if they refuse to give me the details. I will not be giving them any of my new account details and niether should my bank once instructed. Another question i have is if i send a letter to the lenders stating they are not to contact my employer do they have to adhere to it? I'm guessing they do after reading your guidelines on payday loans Rene.

Ok will do that straight away. Thanks. i guess if the bank doesnt comply and neither do the lenders that i should report it to the police? What does CPA stand for just so i know when i call the bank Collection of payment authority?

not sure if my earlier reply went trhough. Thanks for the advice Rene, the guidelines you have put on here are really helpful. I now reliase im in a lot stronger position than i first thought. Appreciate if you could let me know regarding my bank advising the lenders my new account and debit card details. Thanks.

Hi John. Thanks for your reply, really apreciated. Thats far better than what i was expecting i was under the impression it had to be paid within 3 months otherwise they would not agree. Hopefully they will agree to something similar with me. I tbeleive i know what to expect with quickquid due to other threads on here. Im more worried about my bank giving them my new account number and sort code so they can raid my bank. Do you know if they would do that? Anyone who has dealt with Payday Uk with a similar situation to me, i would like to know if they are likely to reduce the final amount i owe so that i can clear it in one payment (i know quickquid have been known to do it, just not sure how to go about getting them to reduce the amount) Thanks.

Hi there, I currently have three payday loans: Wonga 150 + 36 interest Paydayuk 350 + 94 interest QuickQuid 850 + 206 interest My first question is I have just set up a new bank account with a new debit card aswell with my current bank Natwest. Will they pass my new details to the lenders without my permission? I have been rolling over on the loans on a monthly basis for about 6 monhts now and im sick of the high interest rates, its slowly making my life a misery. I am going to be sending out emails to each lender telling them that they are only to contact me by email. Will they contact my employer? i gave them the wrong phone number for my employer in the first place, will they research my company to find the correct contact number? If so should i put on the emails they are not to contact my employer? My plan is to save the money i would have paid in interest for the next three montsh until they pass onto Dca's. I am hoping they will all offer me a reduced amount originally (have seen other posts were they have reduced by almost half the original amount) eventually so that i can clear at lesast two of the higher amounts from the interest i was saving for three months and finally agree a payment plan with wonga where i repay over three months. Is my plan above a realistic one? i.e. do you think they will reduce the amounts. Im afraid that once i go into default the interest and charges they add on will be ridiculous and i might not be able to clear much of the debt after saving for three months. Any comments/ advice would be highly welcomed. Thanks. Porty