Thanks for the replies. I spoke to someone at ARC, I know this is breaking the golden rule but nothing was agreed over the phone and when the person realised I seemed to know my rights and that he wouldn't be able to bully me he was actually okay to deal with. Anyway, they have sent me an income/expenditure form to fill in so I'll do it and take it from there. One thing I was wondering about was during our conversation I mentioned that if the debt did reach court I had loads of emails from QQ refusing to give me bank details and not accepting the repayment amount I proposed so in effect they were refusing repayment and I would file a defence. The Arc employee said this wouldn't matter as in court all the judge would look at is the credit agreement which I had defaulted on so they would get the judgement regardless. Is this right? Thanks again for all your help.

I've read in the past that DCAs have no right to see an income/expenditure statement and I'm under no obligation to send them one, is that not right? Also as far as assets go they can't just go after them without it having reached court first surely?

Hi again, ARC have sent me copies of the credit agreements and also a breakdown of how they reach this total. It's original loan amount, two months interest and £24 default charges. They now say they want the full amount repayed within the next ten day or they will pass the debt over to their legal department where further action will be taken. I don't have £1000 to pay them so will suggest a repayment plan to them and if they don't accept it then I'm considering calling their bluff and let them take me to court over it. In the meantime should I simply set up a standing order for x amount and start repaying it, at least then any judge will see I am attempting repayment. Many thanks again.

Hi again everyone, Just to update and ask for a bit more advice - Wonga were paid off, Speed-e-Loans are being paid off monthly, as are TxtLoans, should be clear of them early next year. Quick Quid, however, were an absolute pain to deal with. Constantly bombarding me with automated emails and when I replied to them with a payment offer and a request for bank details they simply refused it, offered me one at a higher amount (knowing I couldn't afford it) and said I could only repay them by Direct Debit or bank card. They also seem to claim that I defaulted once on the roll over amount (a month's interest) and then again with the actual loan amount plus a month's interest. All in all they say I owe them £999. Anyway last week they emailed me twice to say they have passed both debts to Arc Europe who have sent me a letter and phoned me a couple of times. After emailing them asking for evidence of the debt and reminding them of their obligations as debt collectors I made the big mistake of speaking to one of them and when I refused to answer security questions he got funny and I got angry - not my best moment, I should've just hung up! Anyway I have received a reply saying that the account is on hold until they obtain the credit agreement. Any advice on what my next move should be once I receive the copy of the agreement would be great. I'm not ignoring the debt, I am more than happy to repay the loan amount and one month's interest at a manageable amount each month but I suspect ARC won't quite see it that way and make demands and threats. Thanks again in advance.

Okay, thanks. I'll email them now and ask for it.

They sent me the following as a 'notice of arrears' email: Funding Date: 18 May 2012 Loan Amount: £650.00 Payments Past Due: Due Date: 18 May 2012 Amount In Default: £87.25 Due Date: 15 June 2012 Amount In Default: £824.50 The above loan from QuickQuid is overdue. Because your loan is overdue, your customer status has been changed to "In Default". As a resut of your returned debits on the payment dates above, we have assessed £24.00 in Dishonour Fees. This amount is also now due. You will receive separate notices in relation to these Dishonour Fees. No further fees or interest are accruing on these amounts. I've just noticed on this that they claim the funding date was May 18th. I took this loan out a month before then, actually it wasn't a new loan, I added funds to an existing loan around that time. May the 18th was when I was due to pay the extension fee but didn't because I could no longer afford them.

I've now got it in writing that QQ won't telephone me again regarding my debt and they've offered me a repayment plan of six months at around £151 each month, even though I've explained I can't afford that. Also the total they claim I now owe is over £900 as they've added a £24 'dishonour' fee and a second month's interest onto the total. I think they've added this because I originally defaulted on the rollover fee and last week was when they claim I officially went into arrears with the loan itself. If that makes sense? I'm now getting emails that look like they've been composed by a human so they seem to be taking notice since I mentioned my rights regarding the matter. I'm going to write back and say I can't afford those payments at this time but was wondering if they are entitled to charge me two months interest seeing as it was me who originally decided to extend the loan? Many thanks (again!)

Thank you for all that, I will do it this evening. The help given on these forums really is invaluable!

Sorry Renegade I should've worded that better. I meant when I contact the OFT and ICO what is the best way to contact them?

Hi Renegade, thanks for the reply. Do I make complaints to them vis email, phone or through their website? I intend to send off the telephone harassment letter now. Will it be okay to send it to the two QQ email addresses I already have (Collections & resolution)?

Hi again, just a quick update and some advice if possible. I've managed to set up repayment plans with Speed-e-Loan as well as Txtloan but Quick Quid who are (quite predictably) being a pain. They won't give me any bank details and insist everything is done on my debit card (no chance!) and have been calling my home phone even though I have told them in previous emails I will only deal with them in writing. Then today at work one of my managers came up to me and said that there had just been a phone call for me from 'QQ' and said he told the secretary to tell them this is my work number and to call me in my own time. I haven't been avoiding them so I am really angry they've called my work place. Even more so as they called that and didn't ring my mobile. I was half expecting it but now I'm worried they'll start making a habit of calling my work number. It was fine today but if they start doing it regularly it won't make me too popular. I intend to send them the telephone harassment letter tonight, as well as trying to set up a repayment plan (again!). Deos anyone have an email for them apart from the collections and resolution ones? I want to make sure it reaches the right people ASAP. Many thanks again.

Hi, I managed to set up a repayment with TxtLoan without too much trouble and also got their bank details. I was asked if I'd post them here as they may be of use to other people. they are: Bank - HSBC Account in the name of - TxtLoan Ltd Account number - 42028948 Sort code - 402103 Siteteam note: CAG has not verified as to the authenticity so members should be careful. anyone who has used this and know it to be working and correct please add a post to this sticky thread. THIS THREAD IS NOT FOR ISSUES WITH TXTLOANS START A NEW THREAD dx sitteam

Yeah I got it in an email. Is there a specific thread where all companies' bank details are kept?

TxtLoan have agreed to my repayment proposals and given me their bank details. That was far more painless than I was expecting!

Thanks for the help guys. I'm going to email Citizen's Advice and see if they can assist me..

Perhaps the wrong phrase to use but I've had various pay day loans on and off for over two years, so whilst it is my own doing I do feel 'trapped' by them as in I'm just handing over money to them each month and not actually paying anything off. When I have managed to pay one off, it's left me with no money so I've had to get another one. I can't go on like this any longer.

Quick update: TxtLoan haven't been in touch regarding my offer of a repayment plan. I'll give it today and resend the email in the morning. QQ have offered me a repayment of two monthly instalments of the month's interest and then they will take the remaining balance in June. they say that if I can't afford to make the payment then to contact them again and they will look at a payment plan for that amount too. Better than what I was expecting from them but I guess we'll see. Speed-e-Loans isn't due until Friday, should I contact them now to see if they will help or shall i wait for it to default? Thanks for all your replies so far.

This morning I received an email from Txtloan stating that they have added a £25 charge to my account for late payment and that interest will continue to accrue at over £2 a day until the balance is settled. I've sent them one proposing a repayment plan but they haven't replied to it.

Hi, I've rolled over Quickquid for one month £162.50 (although I had a separate loan with them before this one which I paid off) I've rolled over Speed-e-Loan for one month £63 (but, again I had an earlier loan with them that I paid off) TxtLoan don't do rollovers as such you repay the full balance and then just re-borrow it. Which I've done every fortnight for at least three months. I've never paid anything off the actual balance though.

Thanks for that renegadeimp, do they have to actually 'harass' me by telephone first or can I send that (or a letter to that effect) immediately?

Hi everyone. Like many people, I've got myself into the pay day loan spiral and I've decided enough is enough and it's time to regain control. I'm just paying off interest and more interest, whilst my situation isn't as bad as some people's I can no longer afford to carry on with this, it will send me further into debt. Firstly these are the ones I have: Quickquid - £650 + £162.50 interest TxtLoan - £200 + £34 interest Speed-e-Loan - £225 +£63 interest I also have a Wonga loan but I defaulted on that one before Christmas and, to their credit, they were very helpful in freezing interest and assisting me in setting up a repayment plan. I'll be free of that one in July. QQ and TxtLoan are both due tomorrow and Speed-e-Loans next Friday but thanks to advice I've read on here, I've got a new bank account and my wages are being paid into it. My 'pay day loan' account is empty and there's no overdraft facility so no money can be taken from it. Knowing my money is safe is a source of relief, having read some real horror stories on here. Now comes the part that I'm dreading - dealing with these people. I know Wonga were helpful but by all accounts they do seem to be the most approachable of these companies so I'm ready for a hard slog. I have a basic idea of what to do initially - send each of them an email stating that I cannot afford to repay the loans due to financial hardship and offer a repayment plan of what I can afford, and then wait to see what they come back to me with and take it from there. Is that about right? One thing I am dreading is them phoning my workplace. I have no access to a phone at work so it will go to reception, I'm not sure it will go down too well. If I stay in regular email contact surely they'll have no cause to ring my employer though? Anyway I'm starting this thread so I can kind of keep a diary of what's happening and also know that the great people here will be on hand to offer help and advice as and when I need it. I do intend to repay every penny that I borrowed, I just hope that I'm not going to be banging my head against a brick wall in getting there. Thanks for reading.