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Found 13 results

  1. Good morning, I need some help and advice. I took out two loans before Christmas, one with Quick Quid for £300 and one with Lending Stream for £400. I have paid one payment back to Quick Quid of £44 and I have paid two payments to LS - £153 and £212 but there is still a balance of over £400 outstanding. I am currently signed off sick from work and awaiting an operation so I am on SSP. I cannot afford to repay at the rate they want - the next LS payment due is for over £200!! I contacted my bank yesterday and cancelled the CPA. They told me that if either company took any money from my account it would be refunded within 48 hours. What else do I need to do now? I have not contacted the companies yet. I know that realistically I need to offer them at least something but I am worried that they will not accept my offer. I have been advised that I can claim Housing Benefit and Council Tax Reduction to help me over the next few weeks but I still will only be able to afford a maximum of £10 per month to each company. I would be grateful for any help and advice on the proper way to deal with this as painlessly as possible. With many thanks.
  2. I cancelled a direct debit with Quick quid on a loan due with them.I simply cannot afford to pay it back but will do so once an affordable repayment plan is in place. My worry is can they still access my bank account any withdraw funds even though the direct debit is now cancelled and they don't have my debit card number?? Any advice please would be very helpful.
  3. Hello, I'm writing to QuickQuid to try and arrange a repayment plan for my loan, however after reading this website for a while I have some questions and I was wondering if someone could read my E-Mail to give any constructive criticism. Why should I E-Mail QuickQuid rather than phone them? Is it appropriate to call them to make the arrangements and then E-Mail them to confirm? Is there any law, bill or statute I should quote if they disagree with my plan? Or anything else I should say to assist my request?
  4. 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.
  5. Hi all, I stupidly took out a QQ loan back in February this year. I believed I had paid it and since then my bank account had been closed as it was a joint account with an ex partner. I moved in with my grandparents for a while as I was paying off a lot of debt, anyway long story short my Grandad called and said ARC have rang me. I had no idea who they were so I stupidly rang them. I have now been told if I dont pay up within the next so many days I will be issued with a CCJ, I simply dont have the money to pay at the moment and have not received any letters from the ACR to say I have so many days to pay or whatever. I am stuck and dont know what to do, I already have a satisfied CCJ but I cant get another! What can I do? Any advice would be helpful the debt is for £249, I offered instalments but they refused. Thanks, Elise
  6. Hi All, I've gotten myself into a right mess with WONGA, Quick Quid,Tooth Fairy & PayDay UK. I started with one and then it spiralled out of control and now I'm in a position where I'm struggling to make ends meet and I''m literally borrowing to pay for rent and utilities. In total I owe just over £2,000. I've decided that I've had enough of all of this so I came on here looking for advice & thanks to all of you I put together the following letter to all of the above companies as my repayment date is next week: WONGA: Dear Sir/Madam, I am writing in reference to the loan I took out from you. Unfortunately after accessing your website I am unable to find neither a customer reference number or a loan reference number. Since entering into the agreement my financial circumstances have changed and I now find myself in a position where I am unable to meet the full repayment on the deadline. I am proposing a repayment plan of £100.00 per calendar month, beginning on 15/05/2012 and continuing on the 15th of each month for a period of 7 months, with the final payment being on 15/11/2012 the remaining balance. Please advise of the total amount of this loan being the initial amount borrowed and one months interest, to enable me to calculate the final payment. I also request that you provide details of the bank account which I can make my payments into. I cannot make repayments by any other method. As in line with published guidelines by many regulatory authorities, you are only to contact me regarding this matter via email to this address. I will be able to reply to any emails very rapidly and prefer this as a means of communication. I also revoke any authority, implied or otherwise for you to send a 'doorstep collector' to my residence. May I remind you that any breaches of the OFT Guidelines on debt collecting will be met with an immediate report to that organisation. I regret that I cannot make the full repayment of this loan but am doing my best to resolve the issue as quickly as possible. I await your reply, loveliness I got the following response from them: Dear loveliness, The reference number for your current loan, which is XXXXXXX. Thanks for contacting us to ask about setting up a repayment plan. We appreciate you alerting us a potential problem and understand that unexpected things happen in life, but we are unable to agree a repayment plan and treat your account as if it's in arrears before your agreed repayment date. The reason is that we want to give you every opportunity to stick to the terms of the original agreement without forcing you into an arrears situation. If you can pay some of the outstanding balance you may be eligible to extend your loan for up to 30 days. You can do this within a week of the current repayment date, but not on the day that repayment is actually due. As a responsible lender, we do require a part-payment of the balance. This means that the outstanding balance is decreased and that you only pay interest on the remaining balance. There is a £10 fee. If this may suit your needs then you can apply for a new repayment date by logging in here - - and choosing the 'Extend my loan' option. It's all online and you can also add and select alternative payment cards if need be. If you can't make any payment however or you don't want to extend your loan for some reason, then please make sure you call our friendly team on the morning of your due date and discuss the situation with an advisor. At that point we may be able to agree to a repayment plan, after discussing the options. We do want to help you get things sorted so please contact us on 0844 842 9109, between 9am and 10pm, Monday to Friday. If your due date falls over a weekend or bank holiday, please call us the day before. Thanks for keeping us posted and getting in touch. Kind regards, Collections Department 0844 842 9109 I heard that WONGA don't allow you to set up a payment plan without you defaulting on the promise date which allows them to charge you so after some digging around on here I sent them this email : Dear Sir/Madam, I have expressly stated in my previous email that I am experiencing financial difficulties which means that I am unable to make the full payment in our original agreement on the 15/05/12. This is the reason why I have presented you with a repayment plan. I also request that you provide details of the bank account which I can make my payments into. I cannot make repayments by any other method. I hearby revoke your authority to collect any transactions from my bank account under Regulation 55 of The Payment Services Regulations 2009. Any transactions taken from my account will be deemed as unauthorised and will result in a complaint being made regarding your organisation with the OFT. As previously requested I am proposing a repayment plan of £100.00 per calendar month, beginning on 15/05/2012 and continuing on the 15th of each month for a period of 13 months, with the final payment being on 15/06/2013 the remaining balance. Please advise of the total breakdown amount of this loan being the initial amount borrowed and one months interest, to enable me to calculate the final payment. Could you also confirm that all other interest is frozen on the account to enable me to be able to clear the balance? As stated in my previous email - in line with published guidelines by many regulatory authorities, you are only to contact me regarding this matter via email to this address. I will be able to reply to any emails very rapidly and prefer this as a means of communication. I also revoke any authority, implied or otherwise for you to send a 'doorstep collector' to my residence. I await your reply lovliness After sending this I got the following response: Dear loveliness Our aim is always to help you settle your loan as quickly as possible. Acknowledging difficulty in repaying is actually half the battle, so we really appreciate you getting in touch and discussing a repayment plan. Whilst we appreciate your current difficulties, in order to help, we need to get a much better understanding of your current financial situation. To do this we need you to fill in the attached income and expenditure form and return it to us as soon as it is complete. Please note: Incomplete income and expenditure forms will be returned to you for further information, and interest, charges and attempts at payment will not be suspended during this time. The reference number for your current loan, which is XXXXXX As soon as we acknowledge receipt of your complete income and expenditure form, we will suspend interest and charges and all attempts at payment. When we have assessed your income and expenditure form we will reply to you, via email, with our decision. Collections Team PO Box 66147 London NW1W 8PF Our office is open Monday to Friday 9am to 6pm so please don’t hesitate to get in touch. Kind Regards, Collections Team Wonga.com I filled in their spreadsheet with my income & outgoings and I'm waiting to see what they say. I got a similar response from PDUK saying funds will still be taken so I sent the above email to them also & I am yet to hear from QQ or Tooth Fairy so wont hold my breath. I know I only have myself to blame so I have opened a new cash card account with another bank today & requested for my salary to be paid into the new account so that the PDL companies can't raid my account. Will be calling my bank HSBC tomorrow to see what can be done. What a mess. any advice is welcome will keep you posted.
  7. I have an agreement with quick quid with a outstanding balance of £447. I emailed them to explain that due to xmas/new year payment date changes i would not be able to repay the full amount and could I arrange a repayment over 3 months? No reply to the email but they have taken £217 out of my bank without explaining what it is for or even asking for that matter. The card they used was cancelled after it was snapped by a over keen atm machine. Yet the bank payed out on it? The downside is that now as a family of 5 we have no money for shopping or petrol for me to get to work. They have left us high and dry. The bank are sending out a form for a charge back but this takes time. Would I have a case complaining to trading standards and the OFT regarding the taking of money without my consent. Is there anything I can do if I ring these [EDIT]? Any help would be great.
  8. Hi all...Im new to this so please bare with me.....I had a payday loan with the dreaded Quick Quid all was fine until I had a bit of an personal issue and couldnt afford to pay my loan in full the amount to pay was around the £1500 mark. I contacted QQ and explained the situation and they agreed to split the balance over 4 equal payments. I payed the first two months fine but then my car imploded (Timing Belt) and I couldnt affort the full paymnet the next month. I expalined my situation to QQ and asked if I could either delay or re-arrange the amounts so id pay less this month/more next or extend the payments by one month, but as you can guess it fell on deaf ears.The debt got passed to Mac Hall and had the demanding letter from them etc. So I phoned them spoke to someone and payed the debt in full as requested and on time. (If only QQ would have listened - fools)On checking my credit file I see that defaults have been registered by BOTH QQ and Mac Hall so im showing two for one debt???QQ have put four D's in a row and Mack Hall two D's,both are showing settled..Can I have two defaults for one debt? I have phoned both companies and they both say its correct and I should take the matter up with the other party...Any advice much apreciated.
  9. 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 it back with no problem. I then took out another loan in December with the same company, as I found myself short of cash for Christmas. Then I had my gas/electric bill through in January, which lead to me taking another loan with a different company. After paying these back I had no money to live off, so took out a third loan… Long story short I now have four payday loans, all of which are due on 31st of this month. I cannot afford to keep rolling over all of these anymore. I know my situation may not seem as bad as some others, but it’s very quickly spiralled out of control, and it’s really starting to upset, panic and frustrate me. The loans/amounts are : WONGA : Original loan of £600, £819 after 1 months interest QUICK QUID: Original loan of £250, £312 after 1 months interest PAY DAY EXPRESS: £250 PAYDAY UK: £188 I’m just not sure where to begin. I know I need to cancel my debit card and I can do that no problem. I currently bank with Lloyds TSB, but I do have an old account with HSBC. My wages fall on odd days, it’s not a set day, but the loans are always due on the last working day of the month. For example, I’ve been paid today, and next month I get paid on 27th. Is it enough to cancel my Lloyds card and request a new one, and transfer my wages to my HSBC account, transferring it back for rent etc, or do I need to close the Lloyds account completely? I’ve seen sample letters on the site so have a rough idea of what to write when I first contact the companies for a repayment plan. I’m not sure what to offer each of them when I approach them. Wonga is the real issue as that alone after interest is more than I earn! I can afford to pay them about £100 a month- is this a reasonable offer, too much, not enough? From reading the forums I know that Quick Quid tend to only offer 3 month payment plans, and I can afford that if they accept as that again works out around £100 a month. As for the other two, I could just about afford to pay off PDUK in full this month, along with the £200 (£100 each) I’d be sending to Wonga and QQ if they accept my offer, or should I just contact PDUK for a repayment plan too? And what should I do regarding PayDay Express? I’ve read that they’re pretty tough to deal with I just need some help on where to begin, and what to follow up with when they respond, as it’s all a bit overwhelming. Any help and advice would be greatly appreciated
  10. 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 place? I have cancelled my card, reported lost, and ordered a new one. Can they still access my account through this new one, do i need to close the account and try to open another with another bank? How, and when do i contact them. Are there any letter/emails that i can use and send them. How much do i offer them, as my hours have been cut and my outgoings have increased massively. And how much information do i have to give them re my ins and outs? I have already paid back more than i borrowed, and i am willing to pay back the capital that i still owe, but i simply cant afford to pay back £1000 a month. I can afford say £50 a month for each starting this month. Is that good enought do you think. Also who and where do i contact these people. Thanking you all in advance.
  11. Hi, just wondering before i either report my card stolen or not if anyone has successsfully entered into a repayment plan with QQ and it went as planned! I received the email confirmation below but scared incase they just empty my account at the first try. This is a confirmation that you have entered into a pre-default payment plan detailed below. £212.18__________due 15/12/2010 £212.18__________due 14/1/2011 £_212.18_________due 15/2/2011 £_212.21_________due 15/3/2011 Please be sure the funds are available. This arrangement cannot be cancelled. Not honouring this arrangement will trigger collection procedures. Shall i take this as a yes or shall i cancel my card? Has anyone received such a plan?
  12. I am so far doing okay on sorting out these paydays but still having a couple of problems: Txtloan and PUK - they have agreed to my repayment of £50 mthly QuickQuid - have agreed to pay it off in 4 installments which isnt ideal but cant be arsed with the hassle so i am paying Wonga - are not budging on my repayment offer and have sent me letters from Barker & Lowe threatening legal action Payday Express - have still not agreed but now asking for income/expenditure Lending Stream - ive paid them £50 allready but still have not confirmed repayment Can someone tell me how to deal with P Express, L Stream and Wonga. Also, QQ have agreed 4 month repayment and still have my card details - can i trust them to take this repayment only and no more (they have confirmed via email)? I appreciate the help - its been long and hard but i feel i am making progress
  13. Does anyone know if these two companies have an agreement? I've had a couple of letters from Provident, and a doorstep call this evening saying that they had bought the debt from Quick Quid and can now offer for me to pay Quick Quid by paying Provident weekly as they now own the debt..?? I am currently in the process of going bankrupt so basically told the man to leave, but find it strange how this has happened...
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