Yes It is one loan payed off. Gotta make positives where you can. My main worry Is Payday Express wanting £30 plus some off the balance on Wednesday. As I was already on benefits when I applied for the loan, can I still use that card? I really dont want to roll it over anymore. Just want to pay off the loan in a way I can afford :/

I obviouslly didn't want to let them get away with it. I was distraught. I sent them a big email saying I was going to the OFT. They phoned me and offered to refund £100 which was the interest added on after the original loan amount and one months interest. I accepted this as I was desperate. Did accepting it then prevent me from claiming the money back? Txtloan closed my account. *edit - This happened 2 weeks ago.

Thanks for the reply. I know I'm in the wrong but at the time I remembered thinking, surely they'll just refuse me. Then it spiraled. I recently applied for a budgeting loan from the DWP as I'm struggling bad with these repayments. I was approved and after 2 weeks, they put £350 in my account. I was going to use this to take some weight off and obviously, make sure I have food and rent sorted for end of month. 5 minutes after it went in, txtloan took the whole amount to pay off my loan with them. They had not contacted me for weeks. I just assumed the interest was building until it got passed on. I was gutted. Going back to PAYDAY EXPRESS, Would telling them im on DLA and proving it help me at all? They said I don't qualify for any help as I lied on my application form :/

Hi there. I got into trouble with about 5 payday loan companys. All but payday express put me on repayment plans straight away and now I only have themselves and 1monthloan to pay back. It's well documented on these forums that express are really unhelpful and really hard to work with. They have refused my repayment offers and I've ended up rolling over the balance about 4 times now (pretty sure I have payed off my original loan amount plus some by now) I just wanted to ask you guys if I have lost my rights for repayment plans as I lied on my loan application. I am on disability allowance and applied for these payday loans as I was struggling around xmas and they spiraled out of control. I put on my payday express application that I was full time employed. They did not bother to check these facts (none of them ever do?). I did tell them the truth when it came to me not having enough for their horrible 'extend fee's' and since then they have treaten me like sh*t. Hanging up on me, harrasing with phonecalls until i either pay the full amount or roll it over. They have even dipped into my account without telling me (card cancelled and new one requested) Am I in the wrong for lying? Im sure i'm not the only one who has done this as they bombard us with adverts everywhere and I was desperate. Thanks.