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About Me


  1. in December i borrowed some money for 247 money box, the loan with interest came to £288 and was due to be re-payed 26.1.16. on the 26.1.16 i received a email from 247 money box saying my payment had been received, so i thought no more about it. in February i took another loan for a much smaller amount, which i paid off in full at the end of the month - now as far as im concerned my account is settled. today i received a email saying they haven’t received payment in January for £288 and i will need to settle this on my next payday (in 4 days time) i have now checked my bank and
  2. Hi, I took out a loan with this company (CFO Lending) about 2 and a half years ago for £300. To cut a long story short, I paid them back a few times, but kept taking out another loan and then rolling over the interest. This was cycling out of control, so I decided to default and pay back loan + interest for one month and rid myself of this company. I did this, and paid back one month interest plus initial loan of £300 and told them this was settled. They wouldn't accept this and said the loans was in the region of £1700. I then chose to totally ignore them from this point as
  3. I took a payday loan from Capital Finance One Ltd in July 2011. The loan was £200 and the total repayment was agreed at £278. I did not wish to pay £15 for same day 'faster payment' so the loan finally credited my account 2 days after being issued. The loan was issued on 4th July 2011 and I initially agreed to repay on 29th July 2011 when my salary was paid. On 21st July 2011, I emailed CFO to ask to change the repayment date from 29th July to 4th August 2011. I explained that I had paid interest for a full month and repayment on 4th August 2011 would, therefo
  4. Hi i was hoping someone could help? Yesterday I went to check my balance and could see that there was money missing from my account. I went into hsbc and on their computer there was pending transactions of £194 from cash genie and 140 from ariste holdings a company I have never heard from. I did owe cash genie money but after contacting them I advised them i would be in touch to repay at a later date due to being off work and self employed. They accepted this. I rang hsbc from within the branch and was told nothing could be done until it shows as cleared. I
  5. I have 6 payday loans, About £2400 in total wonga mini credit speed credit payday express liquid advance lending stream obviously its now about £4000 due to all the interest I was with a debt managment company but due to my financial situation i cannot afford to pay them and have stopped My question is.. I'm due to move house shortly can i just move and put all my house hold bills in my wifes name and change bank and change my phone and just sort of go off the grid? I know it sounds drastic, and to be fair when we move i will have about 12k to be able to p
  6. Hi all,I hope I have placed this in the right forum. I am seeking advice to a problem almost identical to the below thread:"Payday loans and credit files. Hi all I hope you can help me please with my new quest.I am in the process of rebuilding my credit report after being really really stupid in the past but all is well now, just got 2 defaults and they will be off next year. YEY!Anyway I have been taking out small payday loans from PDUK after reading this on there website,
  7. Hi, I'll post properly about my own little PDL mess in a moment, just frantically searching for a template... I've seen it somewhere - QQ phoned me at work today. The only number for my work is a shared line - I never answer it, it goes through to the enquiries office. Can I request they remove that number from their databases? Having a small panic attack.
  8. Has anyone used Swift Payday Loans UK? I found there website. (Edit) I found them the other day, the application form seems secure so was just wondering if anyone has tried them? Thanks.
  9. Hi, I have been looking at the pay day loan forums for the last few months as like many of you I've got myself into terrible problems The main issue I have had has been with Minicredit, who are incredibly difficult to deal with. I have had an outstanding balance with them since September last year and now the total amount I owe is over £1000. From looking at previous posts from other Caggers, I have seen that Minicredit do not negotiate with debt management companies (I am currently in a DMP) and are quick to issue CCJ's. Now the last letter I had from them was stating that it wa
  10. Hi guys, I'm wondering if anyone can help me with a toothfairy problem. I've had a number of payday loans that have become a problem in the last month or two. I've contacted all of them and come to a reasonable conclusion with all of them excluding Toothfairy. I've contacted toothfairy a lot of times both before and after the default. The outstanding balance on my due date was £544. I offered a repayment of £50 a month and on the due date I made the first payment of £50.00. Since then I have received a number of texts and emails from toothfairy, NDR and now Marshall Hoare debt collection
  11. All Just wanted to let everyone know how I dealt with some these companies. I had loans with Payday Express, Quick Quick, Speed-e-loans, 1 Month, Mr Lender, CFO Lending, Txt Loan, PDUK, 247 Moneybox, and Wonga. Right, after a a few email exchanges, Wonga, 1 Month, Mr Lender, 247 Moneybox, Txt Loan, and PDUK, all agreed to repayment plans, freezing interest and only charging the amount in the loan agreement of initial loan + 1 months interest. Quick Quid, I had advised them that I was in financial trouble, but they kept lending to me. So when I defaulted I wrote a complaint
  12. Hi guys I have a few pay day loan that i have been paying back to get to a better financial place. I phoned a company called [EDIT] to make an arrangement and they agreed 3 monthly installments. Any way on the day they were supposed to take the first payment they took the whole lot. This is wrong because they promised they wouldn't. Luckily i had the call recorded. I want to make a complaint about this company to the FOS and I have also complained to the BCCA who haven't really done anything as of yet. Anyway i have created a blog about my experience with this company in t
  13. Has anyone had dealings with capital finance one? They are a complete shark of a company, I originally applied for a Payday loan with them, then cancelled it within a couple of days!! Basically they took the interest that would have been due on the loan from my account, without my authorisiation!!! Now if they had just refunded it, their wouldn't really be a big issue! But they are rude, full of rubbish about one thing or another, and don't answer the phone, at all. Or respond to e-mails, if..(and I use the word IF carefully) they do answer the phone, they just feed you nonsense about this tha
  14. hi there im new and a bit confused any help would be greatly appreciated a few years ago i got into a bit of difficulty with my debts welcome/barclaycard/littlewoods/vodphone i took out a pdl without realiseing the consequences and it snowballed to the point i could no longer manage so i entered into a protected trust deed after appox nine months my situation changed and i found myself having to move house i defaulted on my ptd and havnt paid anything in approx two yrs i also have since again fallen into pdl debt which ive kindo of bumped i want to get everything sorted
  15. can anyone give advice?i've been struggling with debt and we are going bankrupt. i had put an arrangement in place with cash genie for £20 per month and they took my card details to process these payments. i did this so no further action would be taken until i had a date for court and they were aware of my intentions to pay until i rang with a these details.last month they took an extra payment in error so i rang them on 02/12/11 to complain and they accepted the error and refunded the money. they asked if i could make any other payment, which i said no, so they said i would have t
  16. Hey folks, Right, I'll try and keep this a bit brief. My rating is a bit shot thanks to some youthful indiscretions and I really wanna get myself back on an even keel. I am currently having issues with some payday lenders, but thanks to the advice on here, it's well in hand. However, that doesn't stop me wanting to really put things right again and just in one place. Basically, I'm looking for bad credit unsecured/tenant lenders for £3000 over 3 years, hopefully averaging out at £125-150 a month in repayments, well within my scope of finance, even if I ended up jobless. My
  17. Hi all?? I am really starting to worry of recent times as my PDL are starting to get on top of me?? I currently have 4 and seem to just be constantly rolling them over and causing my self to go into more debt to live any sort of lifestyle. below i have listed the ones i have at this present moment!! Cheque centres 1227 Quick quid 600 MEN 187 Wonga 341 I am able to roll these over this month again but i honestly need to set up a repayment plan for them. How do i go about doing this?? Should i contact them myself offering what i can afford each month on a pro rata scale??
  18. Hi i have foolishly fallen into the payday loan pit, by borrowing once i have had to borrow more and more and more to pay or keep up with repayments. I have been offered by a debt management company for them to consolidate the loans and pay them instead over 2 years. This will cost me an extra £1000 in interest/admin fees. Also the first 2 months worth of payments(£200) will be held back by the debt company for what reasons i do not know. Also they have said that after all this wonga, pduk etc may not even comply with them anyway. What do i do? Should i trust the debt company or go direct to t
  19. Have just signed up to Checkmyfile and as this is now picking up Callcredit information a massive raft of entries from Wonga has been detected on my account going back to last year. In all there are 15 settled entries and 1 open entry where the noted currence balance is £2121. This would probably link back to a loan taken out for £1088 over a one month period so with interest would have been £1300ish. At the time they very aggressively sought money from my bank account, they managed to take over £225 direct from the account even after i had cancelled my bank card. I still don't know how they
  20. Hey, I’m new to this forum so please bare with me! I’ve been reading the forums for about a week now and have gathered a lot of useful information, but thought that it was about time I bit the bullet and posted about my own problems. I, like many others on the site have fallen into the payday trap. Looking around the forum it’s good to know that I’m not the only one out there that’s gotten into this mess and that alone has made me feel a little better and spurred me to take control of my finances. I first used a payday loan company last year to pay some unexpected bills, and paid i
  21. My circumstances have changed and i can not afford to pay these and continue rolling them over. I really need quite a lot of help and advice please, any will be greatly appreciated. I owe lending stream £415, but seem to be paying them back about £600 a month. I owe quick quid about £400, but pay back £250-£300 a month in interest and fees. I owe cash genie £100, and pay back £30 a month, every month. My main worries are them contacting my work, even if i have already contacted them first. Is there a standard notice that i can send them that means they cannot contact my work plac
  22. I am after advice on how to go about sending CCA requests to payday loans and catalogues. Here is my situation: 1. Quickquid loan- owed £1069, currently with mckenzie hall repaying at £15 per week with standing order- originally a loan for £900. 2. Wonga-owed £700, currently on repayment of £10 per week with standing order, roughly £600 left to repay. 3. Txt loan-owe £100, with interest £117 is due to be repaid on the 12th of this month.- they have my current card details. 4. Payday express, owe £400, rolled over once already for £100, now £500 due to be repaid on the 15th of this m
  23. Hi, I hope someone can give me some advice on a £350 loan I got with the money shop. In December I issued 3 cheques for £100 and one for £50. these cheques where used with my card, so i think that means they are guaranteed cheques, but i'm not sure. My card is just a visa debit. I've paid a monthly interest charge since to roll over the loan to the next month. However my work contract ended in jan and i have not been able to find work since. This has meant that this month I could not pay the interest roll over charges and stupidly i didn't ring them or try to sort the problem out be
  24. Hello, I posted a few days ago seeking advice however got one response which was not helpful at all. I'm hoping this time to get more responses. On 24th November, I took out a Wonga loan for £100.00 it was for an immediate cost, and I know I was stupid to do it, but everyone is entitled to a mistake or two. Due to cashflow problems I have had to roll over the loan and it was due on March 1st, I recieved an e-mail saying I could have extended again but cash is that bad I couldn't even afford that. I owed £206.26 on the 1st March and now £20 has been added to that for failed collection
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