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My Advice is to NEVER APPLY FOR A PAYDAY LOAN!!!!!!!!!


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Hi guys,

 

After much posting on this section of the forum and my experiences of payday loan companies my advice to anyone that is thinking of applying for one of these loans, PLEASE DONT :)

 

For one the interest is astronomical, it's dodgy giving your debit card details to these people as they can charge your card whenever they want, contact is not great with them and it just puts you into debt or more debt depending on your circumstances.

 

Obviously this is just my personal opinion and is not legal or endorsed in any way.

 

Thanks

Katpuss

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

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Spot on Katpuss. A one way road to misery.

 

I have followed your Cap Finance thread, watch them if you can't pay because they are particularly nasty to deal with. Hopefully their computer will be down for good.

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i agree, the amount of stress they cause is ridiculous, not worth it atall.. what i would do to not have any debt! its the worst feeling ever! i had a payday loan with capital finance one also, they were taking money out of my account at all hours! id say toothfairy have been the worst to deal with so far, if i knew what i'd be going through now i would never have gone near a single payday loan!!

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Companies that you should stay well clear off if you have to take out a payday loan:

 

ToothFairy Finance

Wonga

Mr Lender

The Money Shop

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

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definitely stay away from wonga, they sent someone to my house 3 days after i defaulted. luckily i paid an extension fee and paid the loan off the following month!

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Yes does seem weird, it took them 4 months before they sent me a letter to say someone is coming, they never did show up. Shame, I was looking forward to reading him my rights and saying clear off.

August 2010 - Debt Relief Order Ends! :)

Complaint with FOS re: Bank Charges - Financial Hardship

 

Email me for advice on DRO/DMP

 

If I have been of any help, Please tickle my scales

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