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help me with my payday loans probs please **


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Hi am new to this and dont know what to do I have four payday loans outstanding and there is no way can pay? I have one with

ptp for £200 which they have given me til end of month to pay in full

one with quickquid £500 due at end of month

one with payday express £200 due at end of month

one with wageday advance £268 due at end of month

also I have capquest saying they are gonna start legal proceedings on 11/6/09 through HL legal if dont pay £387

What do I do Pleae help!

Plus I have other debt but these are most worrying!!

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ignore the dca's

they have no legal powers at all.

 

i'd do some reading in this forum

 

the more you read the stronger you become.

 

this thread should help:

http://www.consumeractiongroup.co.uk/forum/payday-loans/200647-pay-day-loan-nightmare.html

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hiya, I have been in your boat before and was scared witless, if it wasnt for this forum i dont know what i would have done and would probably be in the same situation now. I had a payday laon with p2p for 300 pounds they pass it to clarity, do not worry about them saying you have to pay in full and this and that just stick to your guns and say you can only pay each month. This is what i done and now i pay them £30 a month.

With Quick Quid they are a bit more tricky, I had a loan with them last year and they have now passed it over to Mackenzie Hall, which is a whole other thread lol

I had one with Oasis, which I now also pay £30 a month and also had the balance reduced from £600 to £300 because I said I would only pay what I owe and not the ridiculous interest ;)

The first thing you need to do is cancel your debit card (tell the bank you lost it) and any dd you have with these people otherwise they will bleed you dry.

Then you can start getting back on track, email all of them explaining your situation and let us know the reply.

x

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Suepoo is absolutely right! you must cancel your debit card straight away (tell the bank you've lost it) as these people will empty your account as soon as money goes into it.

 

Their systems apply for money every day until they strike it lucky. You will also need to keep an eye on your account in case they try to set up a DD to get the money - if you are on internet banking check every morning and if money has been taken by DD ring the bank and ask them to return the DD as you did not authorise it. You can write to your bank and tell them you have not given authorisation for any of these companies to set up DD's on your account (wait till you get your new card as they may thin something funny is going on).

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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thanks for all advice emailed them all today apart from capquest gonna ring them moro and offer £30 per month if they freeze interest ad charges will keep you updated

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urm..

i'd be inclined to not phone these jokers

write and tell them

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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