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About aqs123

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  1. Should have read the posts first, just thought I would post after watching the BBC documentary.
  2. Received the same email as Jack and then received a phone call asking for payment. I stated that I previously made payment but couldn't find it in my emails as the loan is over 5 years old and haven't had any contact for 4 years. I have also changed banks since then and my old bank Nat West said they have no transactions for me on their system. What action if any do I need to take?
  3. Paid off the loans, I was just wondering whether I can get the defaults removed from my credit file?
  4. Ok thank you for all your help, I will let you know how I get on with this and my other loans.
  5. But people are saying I should only look to be paying back 15% when I agreed £700, surely it seems as if I'm being ripped off, then again if I can afford to pay it, and it is the terms of the original loan I took out.
  6. But I can make the repayment now, I was just wondering what the maximum I should consider paying is?
  7. Ok, I told them my brother was going to lend me some money, I'll just say that he's unable to lend me it now. What is an F&F? Once again thanks for all of your help, it's has been a massive relief knowing that I do not have to pay back the extortionate prices that they are demanding. Also went to the bank today and cancelled the CPA's from Mackenzie Hall, PRA, Payday UK, Payday Express, DMR capital and Wage Day advance, are there other names that these trade under and I should look to cancel?
  8. So the loan with QuickQuid was originally £750 and the finance charge was £187.50 totalling £937.50 and Mackenzie Hall think that I made a £200 payment which would leave £737.50. You are saying that I should offer to pay 15% which is £110.63, what do you think that I should go up to? Thanks for your help
  9. I offered to pay that, what do you think that a reasonable offer would have been?
  10. PRA(Mackenzie Hall) rung today talking about a loan they had bought from QuickQuid, the amount was £854.55, but after some arguing they said they could settle for a lump sum of £700, the original loan was £750 and I think I made one payment of £100, I said I could pay this by next Wednesday. They said they would send out a letter confirming the revised amount. Seem to good to be true?
  11. Is there a step-by-step guide to paying back PDL's or can someone talk me through the process, because I have the money to pay back, but don't want to pay over the odds.
  12. I have other PDL's shall I just go to the bank and tell them to cancel all CPA's and then negotiate with the PDL's when they contact me?
  13. Thanks for your quick reply. I think they e-mailed me once and I deleted it, my worry is will they take the money out of my account if it's available in my account. I haven't used this account for over a year but going to start using it again, is there anyway I can get my bank NatWest to stop this from happening?
  14. Hi, I currently have an outstanding loan with Toothfairy for £2736, when I originally took out a £400 loan lol, (although it has been outstanding for over a year now). I am now in a position to be able to pay back the loan, I was just wondering how much I should be looking to pay and to who (how to get in touch etc.) also I think that I may have previously have given them my debit card details, and the right to try and take the outstanding balance from my bank account. I am now looking to start using this bank account again, so am looking for help as to the next steps I should take before
  15. Hi, I currently have outstanding loans with all 3 companies, and am in a position to finally pay them. I think I have previously given each company the right to attempt to take the outstanding amount out of my current bank account, but have not had the funds available, which I now will have in a few days or so. I was just wondering what I should be looking to repay (I have had these loans for about a year now so expect the interest to be high), I was just wondering what are the next steps that I should take before paying off the loans. Any help will be appreciated.
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