This is what it says when i log into my 'account'

Please contact us to settle your account as soon as possible.

We kindly need you to contact our Payment Services team at your earliest convenience! It’s important you contact us so you can continue to re loan with us again! Please contact us on: xxxxxxxxxxxxxxxxxxxxxxx

Still waiting for other creditor to get back to me! Cant understand why their not actively chasing payment, no phone calls or letters at all yet!

What an absolute nightmare. Can i ask your current position? I also have debt with them, since January ive just been rolling forward my loan until i can find a spare £116 but apparently the FCA guildlines to PDL companies state they should allow no more than 2 rollovers so not really sure whats going to happen at the end of this month.

Also no charges what so ever on the 13 month above plan. i thought asing for 6 months would have been pushin it but they came up with the 13 months themselves. Maybe the comprensive income and expenditure info i provided made them willing to accept my stuggles. Or maybe there playing nice seeing as the new regulator has just come into force

Well my CPA's formally cancelled so hopefully will be ok. To be fair everones been fine with me so far. Fingers crossed all will follow suit! Wonga were true to their word and only take the agreed £88 every month from Cpa authority.

Im actually in shock at how easily its been sorted!!

extract from email received earlier today;

Thank you for your commitment to repay the above mentioned loan. Please find below the details of the arrangement that has been scheduled.

Date Due Amount Status

12/05/2014 £20.00 Outstanding

11/06/2014 £20.00 Outstanding

11/07/2014 £20.00 Outstanding

11/08/2014 £20.00 Outstanding

11/09/2014 £20.00 Outstanding

10/10/2014 £20.00 Outstanding

11/11/2014 £20.00 Outstanding

11/12/2014 £20.00 Outstanding

09/01/2015 £20.00 Outstanding

11/02/2015 £20.00 Outstanding

11/03/2015 £20.00 Outstanding

10/04/2015 £20.00 Outstanding

11/05/2015 £19.90 Outstanding

Yes renegadeimp, you advised me yesterday if you recall?

Has Linda left CAG? I hope she reads this and provides an update on her situation.

Thanks for that, it does actually sound much better than mine

Update;

2 x creditors were either unsucessful in trying to use my (withdrawn) cpa OR they actually followed my instruction (that i withdrew the authority).

I actually think the latter as i had contact from both acknowledging that i had withdrawn the authority.

I have since had contact with ****** via email requesting income and expenditure.

I actually provided comprehensive and honest info listing all my creditors.

I had a responce [looked auto generated] requesting me to make an offer to them.

I have drafted the following email and would ask for some advise as to whether this covers all i need to say?

Thank you for your email.

After careful consideration and evaluation of my current financial situation

I regret that over the next 3 months (30 April, 31 May, 30 June) I will only be in a position to make nominal repayments of £20 per month.

With effect from 31 July my financial position will have improved as I will have completed repayments plans with ******** and *** *****.

This will "free up" an additional £150 per month.

I would therefore suggest that you place my account on a 6 monthly repayment plan,

freeze all interest and provide to me your bank account details in order to allow me to set up a standing order with my bank.

I look forward to hearing from you

Ouch thats a heafty sum! It is a nightmare coz all you do is pay off then are forced to borrow again and again. Hopefully you can sort out a repayment plan with them. I actually have never been with quik quid, just there sister company pounds2pocket. they reduced my payments from £146 to £100 a month but most importantly froze all interest so only have to pay the interest that had accrued from the start of the loan to the start of the repayment plan

Btw cancelled my cpa's so next week should be fun! :o/

Good luck to you as well. i think quik.quid are linked in some way to pounds2pocket. They were really helpful with me, letting me pay reduced monthly payments whilst also freezing my account so no interest was added at all. Hopefully quik quid will play nice with you

Found this (you posted on here some time ago) so i'll be taking this down to the bank tomorrow!

*Dear Bank manager,

I request that upon receipt of this instruction that you block all current and future payments from my account xxxxxxxx sortcode xxxxxx to the company: QUICK QUID and its associated merchants, and the company: CashEuroNetUK, LLC and its associated merchants.

I also instruct that any and all Continuous Payment Authorities on my account in relation to the aforementioned companies/merchants, be cancelled immediately.

In accordance with Regulation 55 of The Payment Services Regulations 2009 : 55; 1 (a,b) 2 (a,b) 3 4, you are obliged to comply with this instruction with immediate effect.

Sincerely

xxxxx Print your name,*dont sign it.*

Im sure it will be fine as i was told no credit would be available whilst i had a managed loan with them (got about 14 months till thats all paid off)

Well i currently have around £3 in my account which doesnt have an overdraft facility so if they did try and dip in before payday (monday) then they would be out of luck. Plus trying that would surely be in breach of the loan agreement!!??

emails sent.. let the drama begin!!

It is with regret that I have to inform you that I formally cancel my continuous payment authority which i granted to your company in order to repay the monies borrowed in early March. I currently find myself in a difficult financial position which regrettable does not afford me to make a full payment to you on 31 March 2014. I would of course wish to pay the total amounts payable to you, however I will have to do so over a period of 4 months . I would be happy to complete a income and expenditure form for your records. I look forward to hearing from you shortly.

Ok thanks for the advise, i will have to pop in on my lunchbreak tomorrow and get it sorted

Thats reassuring, i will go see my bank tomorrow. Dont really like the idea of being harrased by them when they dont get their payment but will just have to cross my fingers they play nice.

If i paid them all on my payday i would just have to take out more loans to survive throughtout April. By not paying on 2 of these i could at least arrange a repayment plan with those 2 companies over say 4 months and therrfore get mysrlf out of my circle of debt!!

Does anyone know if you can cancel specific cpa's with certain companies at your bank or do they only allow you the option to cancel them all at once? Im with HSBC. I actually want to honour some of my CPA's but when you have £939 coming out of your bank from a monthly wage of £1400 you know you have problems!! I need to cancel payments to swift sterling and payday uk but wish to honour my commitments with money shop, wageday advance, pounds2pocket, wonga and lending stream

On the off chance that anyone reading this has a loan with lending stream i would be interested if you also have the fillowing message showin on the website when you try clicking on the 'pay loan' button;

This service is currently unavailable due to a glitch in our banking system and we are trying to rectify it as soon as possible. Please contact our call centre at 0203 564 7028#to make a payment with the already registered card.We are sorry for the inconvenience.

this has been there since a January on my account!!

Big glitch!!!

Hi suemumof3, how did matters progress with lending stream and wonga?

Cool, im happy with how it turned out to be honest, saving myself £46 a month but more importantly not having to pay back £1,700+. Works out at borrowing £1000 over a year and only paying £200 in interest. Not really sure whats going to happen in 6 months mind... hopefully can just pay it all off if ive got the money. If not hopefully stick to £100 for a further 6 months. That will then pay it all off....

Yes £100 will be fine, if its sold on whats likely to happen?