payday loans mayhem **

[saul1664]

I have five of these, probably totalling 1K in debt before interest, this has now become unmanageable, have changed debit card so they cannot take anymore money out.

 

I am with payday express, payday uk, quick quid, pounds till payday and wonga.

 

What is the next procedure to follow to resolve these, I obviously cannot afford the interest on top but willing to pay the capital, but don't have a lot to offer, possibly £10 a month. Do I send off CCA's, await defaults and sending to DCA's?

 

Saul

[bub1]

Hi Saul1664, welcome.

 

I have two that you are talking about.

Wonga, I have come to an arrangement with so that fine. You really need to get in touch with them and sort it out. I would email the collections dept and explain.

 

Quickquid - these are being a pain. Wont accept anything from me in writing always want you to phone etc., dont do that!

 

I have tracked down an address where you can send a letter with offer of payment and your payment. It is not the london address the one I have is their collections office.

 

When you email them they will tell you to phone and make arrangements - dont.

They will try and set up a payment plan for you but I found they would only do it over 3 months - I couldnt afford that either.

 

QQ will try and take money from your account until the payment plan is set up, so make sure they do not have a dd on your account, cancel if you can.

 

I havent waited for CCA's or DCA to contact me and have sent them a letter with a token payment which will continue until a suitable payment arrangement is made that I have stated what amount I can pay.

 

Or you can contact CCCS or Payplan and they will give you some advice (free).

 

Hope this helps.

 

I do have bank account details for Wonga if you need them.

 

Bub1

[robjam1969]

PDP will annoy you with calls for a few weeks, no point in discussing with them as they will try and bully you.It gets better as they generally pass to Clarity to collect and they are a reasonable DCA to deal with.

 

Also be careful as these companies have been known to get money from cancelled cards.

 

Best of luck.

[saul1664]

Pounds till Payday have sent me a default notice with a £59 charge one day before loan is due. Whats the best approach with this company?

[lozzzy]

if it is dated before the loan is even due i would recommend using this against them. I dont know how best to do this, if you should complain to the finincal obustman or ?? but one of the experts on here will know best.

 

With regards to payday uk, i had issues getting them to ackowledge that i wanted to resolve the issue. They passed me into there inhouse debt collectors (keyes whitlock) who were very agressive. I recommend you email them everyday with your offer of a repayment plan (try make it decent-ish i.e more than £25 if you can afford to, otherwise they just laugh in your face) until you finially get acknowledged!