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Hi all, Not sure what section to post this but here goes Suppose I owe a company 10k and after some haggle I repay 5k and then owe the remaining 5k over a period of 10 years at some agreed rate. Has the lender already claimed on their insurance for the 5k shortfall? If so how I can I check this? If so is there any legal 'backlash'? i.e. do I still technically owe the money as they have claimed against insurance? Wouldn't their insurer be interested that that they paid out and yet the lender is still going to eventually get the 'claimed' funds back anyway i.e. the lender effectively gets paid twice!!! Any views appreciated on this! thanks
Hi all, just discovered this website and looking for help. Currently owe Wonga 1200 PDUK 500 PDEX 500 Been taking out pdl's for quite a while and due to shortage of money have now these 3. I get £1200 per month in wages and roll the debts over but with these loans this is a particularly tight month and i don't have the ability to roll wongas over again. Prior to finding this website i already rolled over my pduk and pdex loans until next month. Wonga is due tomorrow and i've emailed them today stating im in financial hardship and that i won't be able to afford to pay and asked what my options are. (I did briefly think about taking out a 4th loan to cover it but i've seen the light finally!) Due to rolling over my wonga loan, it's now due tomorrow instead of when i get paid on Thursday so hoping i can get some alternative in place before they clear my account out on Thursday. What are my options. I have other direct debits that come out of the bank account i get my wages paid into and have maxed the £400 overdraft so changing bank accounts is not really an option, tho i could put the money is a different account if i get it in time. (which has previously been used for pd loans with these companies in 2011, so not sure if they can still get the funds from there?) Any advice would be appreciated!