I have no idea, they have literally done nothing. Payment is not officially due to the 31st of the month. So I'm guessing they are going to attempt to take the money from a closed bank account, and then kic off. Will send them a chaser email next week and see if I get a response. Feeling like the pressure is off now, and I can get on with paying these stupid debts off. Thanks for everyones help, great forum, only wish I found it earlier...

Happy face on me today, all re-payment plans agreed without direct debits, apart from Lending Stream, who have not even replied to my initial email. Can I confirm that I am ok to pay these lenders via bank transfer from my new bank account using online banking without them being able to access my new account?

Apologies if my post came across this way, was just giving hope to people attempting to get out of debt and setting up a payment plan with them. To confirm, in know way was I advertising the use of a payday loan.

Another response after I asked to pay into their bank account, and not set-up a direct debit: Unfortunately any repayment plan and contractual payment as per your agreement must be collected via direct debit. I have set the agreement into place and the first repayment of £20 will be collected via direct debit on the 1st of June 2013, if at any point the direct debit does get cancelled this will need to be set back into place to continue with the agreement.

Got the following from Ladder Loans, and someone please explain the arrears balance to me, and what I actually owe? Thank you for your email. The total amount remaining to be paid under your agreement is: £733.95 After looking at your completed Income and Expenditure Form, I can confirm that we will be willing to accept a reduced offer of repayment for a temporary period of three months. I can confirm that the agreement has been set into place on your account and repayments will be collected as follows: 01.06.2013 £20 (£61.55 will fall into arrears) 01.07.2013 £20 (£61.55 will fall into arrears) 01.08.2013 £20 (£61.55 will fall into arrears) After the successful collection of the above three repayments the arrears balance on your account will be £184.65 and the total amount remaining to be paid under your agreement will be £673.95 (this figure also includes the arrears that will have accrued to that point). Each month that you do not make the contractual repayment your account will fall into arrears, however as long as the above repayments are made as agreed and on time then no additional charges or fees will be applied to your account. After the 1st of August 2013 we will contact you to discuss your account going forward and see if you are able to increase repayments to avoid the account falling further into arrears. If you have any questions or for further information, please feel free to contact us by telephone on 08715592909* or email us at [email protected]. Our opening hours are 8am to 7pm Monday to Friday or 9am to 3pm on certain bank holidays excluding Christmas day, Boxing day and New Years day.

A lot of the news on these sites it very negative regards payday lenders, and I am completely behind you. However, can I just say how easy quid.co.uk were to deal with when setting up a payment plan. I sent one email, and got a response 10 minutes later offering me a payment plan, which was so simple to set-up. Little bit of good news / hope to some of you out there!

Ladder Loans were the easiest of the lot, they did put up a little fight, however if you stay persistent they soon give in. I think it also helped, that I did not have a huge amount outstanding with them.

I've got indivdual files tracking all emails sent and received from each lender. Trying to keep as organised as possible, as it will help if / when I need to get the fos or oft involved. Thanks for all the infomration and help, its very much appreciated! Will keep you updated with my progress. I should mention I used a template letter in the first instance, and it seemed to stop all calls from these companies. Just make sure you update the law refs. Template below: http://www.consumeractiongroup.co.uk/forum/showthread.php?310474-Wage-Day-Pay-Day-Loans-Letter-Template-for-non-payment-**

Lending Steam / Payday UK / Wonga Once these are sorted, I will be very happy indeed. I'm very stubborn, and due to reading up on the law / CAG, I feel 100% confident when dealing with these crooks.

4 / 7 PDL companies have agreed a payment plan so far. Paying £20 to each of them a month. They are putting up a fight, however if you just keep badging them more than they badger you, they will soon be keen to agree. I like to follow every email up with a call, and just let them know again and again I'm willing to pay £20 a month. Seems to be working.

I've just done some simple maths, and was rather shocked by the results. Totalled up all my payday loans, divided it by the total amount I can afford to pay monthly, and was left with how many months it would take. For example £3000 toal debt divided by £180 total amout I can pay monthyl across all lenders. Comes to just over 16 months, take into account some loans will be paid off quicker than others, should even be a few months sooner. My question is, why are this PDL companies so un-helpful when it comes to setting up payments plans. If they just agreed I would have them paid off in full in no time, including their interest, and never have to use them again! Currently in email battles with 7 of this companies, hopefully these plans will all be agreed soon.

RESULT, after a series of emails back and forth to Nationwide, I am happy with the outcome, CPA's stopped! Dear Mr xxxxxxxx, Thank you for your message. Please accept my apologies for the previous message. We are not able to stop Visa Payments from being debited from your account. These types of payments are set up with the merchant directly and are debited by them and not sent by your bank or building society. These types of payments are not listed with the rest of your regular payments such as Standing Order and Direct Debits and we are therefore unable to see which payments are set up and when these are due to debit. However, once you notify us that you have withdrawn your consent for these payments we can add a note to your account which should notify us the next time these debit and we can then refund these for you. Please be advised that in order to do this we require the names of all merchants you wish to stop making payments to, along with the last time they have debited your account if possible. This goes for all financial institutions. The FSA are aware of how we are proceeding with these types of payments and we are fully compliant. As you have kept your account within your agreed overdraft limit £xxx, the only charges incurred will be interest charges. I would like to thank you for contacting us, if you need anything else please reply to this message.

Nationwide are now really starting to annoy me, not even answering questions, such as; 'Why can't you stop the payments, do you not know the law?' Not hanging around, complaints made with the fos.

If we haven't reached an agreement for a payment plan by the 30th May, will they automatically default me? Due to me missing the payments oustanding? Also, this has just been received from Nationwide regards my CPA's. Dear Member, Thank you for your message. Unfortunately Nationwide is unable to stop these payments from being debited from your account. However, now that we have received notification from you to cancel this payment, going forward if any future payments are debited, please inform us and we will arrange to refund your account. I would recommend that you contact the retailer or company to ensure that they are aware of your intentions to cancel your payments. Regards O

Thanks for the response Renegade. One question which is troubling me, how do I stop the loans from defaulting, which in turn would effect my credit rating? Do I need to arrange the payment plans by the end of the month ideally? Thanks O

Does anyone know much about GBack, the information seems solid. They also offer to take on the PDL companies for you? Thanks O

Payday loans currently active: PAYDAY UK LENDING STREAM LADDER LOANS QUIKQUID WONGA If anyone with experiance with any of these companies could step forward that would be great. Thanks O

Step one complete: Salary moved to a safe account with a different bank. Email sent to my old bank - Nationwide, removing all active CPA's, yet to receive a response. Will keep you all updated with my progress. O

Hi all, nice to be part of your community. In short, due to the roll over on one PDL about a year ago, I now have 4 currently running in order to cover each other. I have never missed a payment with any of them. However I now feel the only way to get out of this situation is to take them on. I have no family to help me out, and even if I did my pride would get in the way of asking for help. Ideally I am looking to pay £20 a month into each of my loans. Payments are due on the 31st of May. I have moved all the money / salary out of my current bank account into a new one, and declared my old account / card stolen. As well as asking the bank to freeze the account. The question I would like to ask is 'simply', where is the best place to start, what initial email will help them take note from the off that I am serious? Any help to guide me through these next stressful weeks would be amazing as I only have limited knowledge surrounding PDL's. Thanks in advance O