I emailed active securities, forwarded all my own correspondence...24/7 moneybox finally replied.... 2+2=4?? Anyway, their reply.... Go forth like I done with TLS? Or give I/E?

As I've said I plan to pay off pld before tackling all my debts so my current expenses/leftover money will be more than what SOA states. Sent that to TLS, and they accepted my own proposal for repayment. Still not heard from 24/7 moneybox. What do I do?

Oh and confirmed from my employer, my bank details have been updated. Wages are safe!!!

Done a statement of affairs. Aim to move down my lust of debts, starting with pdl first. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1247 Partners monthly income after tax....... 0 Benefits................................ 0 Other income............................ 195 Total monthly income.................... 1442 Monthly Expense Details Mortgage................................ 0 Secured/HP loan repayments.............. 0 Rent.................................... 295 Management charge (leasehold property).. 0 Council tax............................. 80 Electricity............................. 40 Gas..................................... 40 Oil..................................... 0 Water rates............................. 0 Telephone (land line)................... 0 Mobile phone............................ 35 TV Licence.............................. 12.12 Satellite/Cable TV...................... 57 Internet Services....................... 0 Groceries etc. ......................... 280 Clothing................................ 20 Petrol/diesel........................... 50 Road tax................................ 16.25 Car Insurance........................... 86 Car maintenance (including MOT)......... 25 Car parking............................. 0 Other travel............................ 0 Childcare/nursery....................... 235 Other child related expenses............ 0 Medical (prescriptions, dentist etc).... 10 Pet insurance/vet bills................. 13 Buildings insurance..................... 0 Contents insurance...................... 0 Life assurance ......................... 0 Other insurance......................... 0 Presents (birthday, christmas etc)...... 35 Haircuts................................ 0 Entertainment........................... 30 Holiday................................. 0 Emergency fund.......................... 20 Total monthly expenses.................. 1379.37 Assets Cash.................................... 0 House value (Gross)..................... 0 Shares and bonds........................ 0 Car(s).................................. 950 Other assets............................ 0 Total Assets............................ 950 No Secured nor Hire Purchase Debts Unsecured Debts Description....................Debt......Monthly...APR pdl 1..........................120.......120.......0 pdl 2..........................267.......68........0 pdl 3 .........................196.......0.........0 d/c 5..........................316.......0.........0 d/c 4..........................278.......0.........0 d/c 3..........................172.......0.........0 d/c 2..........................482.......0.........0 deft collection 1..............140.......0.........0 pdl 4..........................259.......0.........0 Total unsecured debts..........2230......188.......- Monthly Budget Summary Total monthly income.................... 1,442 Expenses (including HP & secured debts). 1,379.37 Available for debt repayments........... 62.63 Monthly UNsecured debt repayments....... 188 Amount short for making debt repayments. -125.37 Personal Balance Sheet Summary Total assets (things you own)........... 950 Total HP & Secured debt................. -0 Total Unsecured debt.................... -2,230 Net Assets.............................. -1,280 Created using the SOA calculator at http://www.stoozing.com. Reproduced on Moneysavingexpert with permission, using other browser.

Woke up to an email that RBS have gave me a current account, so shall go into work today with details. I doubt the public health service would cut me a cheque. I'll give it a bash. Although my maths isn't that great.

I have worked out roughly what I can afford and then trying to arrange agreements which equal the amount I can afford with a small buffer in case some companies dig their heels in, but obviously I am still awaiting confirmation from 247 moneybox and other small debts from non pdl that I can fit in this budget. Hence why I feel I can't do a proper I/E as I genuinely currently don't know exactly how much I'll have going out each month. I applied online with my bank for a second current account but declined. Most likely for credit file purposes, going to go in branch tomorrow to try for the basic of basic accounts. (easycash) Unless my wage can be paid into a savings account (I have none though).... then I transfer what I need via mobile banking to my current account. My payday is 31st....don't even know if that's enough time to let my HR ddepartment know of the change. (closed at the weekend)

It may seem like I know what I'm talking about but most of my correspondence has been copy and paste from a template I found in here. I actually dont know what the legislation is, only that it has helped someone else. Obviously TLS are refusing my repayment plan which is suitable for me, because they want to see my I/E but even I don't fully know this due to giving myself a kick up the bum and sorting out my debts. The payday loans are my first ones I want to sort out, due to the fact I can't sort anything else out if I'm paying back to relend to pay my priorities. As I said before I know I have a battle, but it's one I intend to win/sort out, hopefully with the help of the kind members of this site.

I am now.... Response from TLS to my repayment plan. Anyone know any legislation I can throw at them?

I have offered £40 x5 payments per month with full and final settlement on 6th payment of £59.99. With no I/E details. Think it's all the legislation I'm throwing at them. Will see what they say... (I'm actually amazed at how easy it's been with the loan store.....24/7 moneybox have yet to reply to first correspondence!!) Should I email Pacific Network the email also? (Moneybox mother company)

Update... I emailed them back refusing to give them my personal circumstances and that I don't take kindly to pressuring me to settle in full. Their reply: Can I reply with a refusal of this offer and giving I/E and offer £51.99 over 5 month?

I do though, to set up a repayment plan.... My question is how do I reply to it? Worded appropriately to ensure they accept it I'll look into changing my bank details/setting up a new account.

I've had previous loans with the loan store, intact they were the first and thus the spiral started. I owe them on 31st of this month £269 Money box is £196 Myjar £120 I also have £200 flex account with quick quid but I have 1 repayment due on this on 31st of £82 and so happy to pay this and end my relationship with them and Myjar at the end of this month. *edit* (looking at the above, how did I get into this mess!!!! Crikey. What an endless circle of repaying and reloaning to survive.) No repayment plan in place with any as yet. I don't know how to word a reply to these emails. The first email from TLS threatens 'further action' if I dont repay full amount by another means Any legislation I can throw at them for this?

Response from the loan store......any ideas how to respond to this. They then sent this 10 minutes afterwards Help?!

Thanks for flagging my name up. Bank was easy, advisor was really helpful, I do now have an appointment with them though no doubt to try and sell me things but with my credit history I assume they won't be able to. Cancellation of the two big loan Cpa's, Myjar I can pay back and end it my 'relationship' with them this month. I don't have a printer so to ensure of a paper trail with my bank the advisor I spoke to suggested emailing customer services with my reference number and a summary of the call. No word from TLS or 24/7 money box yet. 24/7 moneybox are wee bums though as when the advisor looked for them on my account, they trade as Pacific network. Will be keeping an eye on my accounts. Shoulders feel lighter but I know I've still a battle regarding a repayment plan.

This is my email:

Hi folks, New to this forum. I fell into the downward spiral of payday loans in August and I now owe 3 companies money. (Myjar, the loan store and 24/7 moneybox) £700ish in total. Tonight I have emailed 2 (the loan store, 24/7 moneybox) of them thanks to a template I found on this forum, informing them of my financial difficulties, my right to cancel my CPA and wishing to do so. I have also informed them of my wish to enter a repayment plan and want all interest/fees frozen in the meantime. I've also informed them I will be contacting my bank tomorrow to cancel all CPA's, and that any monies due will not be able to be settled until I have entered a repayment plan. I am with Halifax bank of Scotland and have noticed a few folk having difficulties cancelling these with this bank. An suggestions to ensure they are cancelled? Also suggestions of what else to do if I'm met with any harassment, refusal of repayment plan vet from the above companies?