Okay i will do that tomorrow... but because i have given the bank the letter it doesn't mean the have to do that? Or is it a request the bank can't turn down can they refuse to stamp and date it? Also due to the content of the letter is there an official layout or just as simple as you told me? Thanks alot for the help!

iWhat would you recommend sending back to these emails renegade, i am willing to accept repayment plans with all three but because of transport in getting to Uni and paying for my phone bill i end up with about i£100 pounds to spread between the three, do you think i should offer i£33 pounds a month to each lender and briefly explain my financial footing, whilst also cutting down what they are already telling me?

hey guys, thanks for the responses., i haven't approach the matter yet as i'm sure i will need more guidence on it... i've now recieved responses from payday express and wonga, still no email response from quickquid despite me emailing them a couple of times., here are my responses from the other two... Payday express: Dear Mr Tudge Account number: Balance £361.20 Thank you for your recent contact and your request for a repayment plan. Our accepted criteria for a repayment plan are as follows: • Significant Loss of income • Unexpected change in personal circumstance, e.g. Long term sickness • Severe Disability or illness (including close family members) • Terminal illness or Mental illness (including close family members) • Deceased (including close family members) • Redundancy or Reduced hours (contractual hours reduced by company) All or any of the above may require documented evidence,i.e. • If you are now unemployed or in receipt of financial support, please provide proof of unemployment or redundancy. If your contractual hours have been reduced by your employer, please provide a letter from your employer on company headed paper to confirm this. • If your circumstances have changed due to personal illness, please provide a copy of a doctor’s note or hospital letter. If your financial circumstances have changed we may be prepared to consider a reasonable and affordable repayment plan. A repayment plan does not vary or release you from the terms and conditions of the signed loan agreement, so if you fail to comply with the terms of repayment plan we have the right to obtain payment of the full amount outstanding together with accrued interest and charges from any of the debit cards that you have supplied to us. At 90 days past the original due date whether an agreed repayment plan is in existence or not we will register a default on your records with credit reference agencies. Should you wish to discuss these options or your account please call our office on .... and one of our Financial Difficulties advisers will be able to assist you.You can also contact us via email at, there may be up to a 3 working days delay in responding due to the number of emails we receive. Our opening times are: Monday to Friday: 9am – 5.30pm Best regards Express, Collections Support Wonga: Hi there. Thanks for contacting us to ask about setting up a repayment plan. We appreciate you alerting us a potential problem and understand that unexpected things happen in life, but we are unable to agree a repayment plan and treat your account as if it's in arrears before your agreed repayment date. The reason is that we want to give you every opportunity to stick to the terms of the original agreement without forcing you into an arrears situation. If you can pay some of the outstanding balance you may be eligible to extend your loan for up to 30 days. You can do this within a week of the current repayment date, but not on the day that repayment is actually due. As a responsible lender, we do require a part-payment of the balance. This means that the outstanding balance is decreased and that you only pay interest on the remaining balance. There is a £10 fee. If this may suit your needs then you can apply for a new repayment date by logging in here - and choosing the 'Extend my loan' option. It's all online and you can also add and select alternative payment cards if need be. If you can't make any payment however or you don't want to extend your loan for some reason, then please make sure you call our friendly team on the morning of your due date and discuss the situation with an advisor. At that point we may be able to agree to a repayment plan, after discussing the options. We do want to help you get things sorted so please contact us on ...., between 9am and 10pm, Monday to Friday. If your due date falls over a weekend or bank holiday, please call us the day before. Thanks for keeping us posted and getting in touch. Kind regards, Customer Care Wonga in regards to the actual amount i owe: Payday expess - 361.20 - 8th feb Quickquid - £551.25 - 8th feb iWonga - £525.48 - 10th feb, My income for this month will be around £400 as i only work part time and spend the rest of the time as a student. Any futher advice would be fantastic, i haven't done a thing yet until i get a clear idea of what is the best way forward... Thanks.

Hello there, I do hope some of the great members of this forum could help me out! Basically I've been really stupid and have amassed a large amount of debt with these three pay day brokers, I've somewhat come to my sense now and have realised I cannot keep paying off each loan with a brand new one! I have sent emails to each othe the three companies in question, so far the only response i have recieved is from Wonga, who have told me that i have to wait until the due date to set up a repayment plan. I'm sure you can tell this is very stressful and i have absolutely no experience or idea of what these companies can give/ask for? So any advice would be golden...