in a mess

[tillytiger]

i check our internet bank every day anyway so will just have to go into direct debits every day check. i feel like im in the calm before the storm today

[tillytiger]

ok well today is d day. so far no emails and only one call from each company which i ignored.

 

i want to send the email to each of them explaining my financial difficulties and offer a payment plan but as they havent emailed me i dont know where to email?

 

i need to email quick quid wonga and payday uk does anybody have email addresses for their collection departments?

 

should i do anything else

[tillytiger]

my husband just got an answer phone message from the fraud department at lloyds. could this be because wonga or someone is trying to take money or is it one of the companies trying to get a new account number out of us

[tillytiger]

by the way he is ringing them now but i stressed to him to not give his new account or card details

[postggj]

Ime With Barclays

 

I Would Go Into Your Bank And Request A New Account Number

I Did

 

The Payday Loan Companies I Had Dealings With Were Sending Dd Mandates Up To Eight Months Later

 

My Account Was Frozen And I Was Given A New Account Number And Card

 

Do It

 

It Will Save A Lot Of Heartache

[tillytiger]

we have new accounts and the old accounts are in the process of closing it just takes 7 days for some reason

[robjam1969]

Hi Tilly

 

After all that worry sounds like your funds were safe

 

They will all contact you in due course. I would just wait for them to contact you.

 

Good to see LLoyds on the ball. Wonga have probably had 50 or so goes with your old card details - what a shame

[tillytiger]

well i feel a bit let down i was expecting a big end of the world type of day. and nothing happened?!! i know it will come but today has been in my head for weeks and it seemed like such a big day and it was just normal.

 

ive got my income and expenditures list all ready to go just waiting for the emails so i can email the right people.

[tillytiger]

sent all the emails off this morning and so far only quick quid have replied. they said they cant accept our repayment plan but any money sent would be credited to the account.

 

they said they only accept cheques but i have emailed back and told them we do not have a cheque book because if we sent them a cheque they would have our account details.

 

i dont really know what will happen now as they say we can pay bits but are not accepting a payment plan?

 

still nothing from wonga or payday uk

[tillytiger]

does anyone have an email address for wonga collections as I have been emailing customer care apparantly and they are saying the collections department do not have an email address so I have to phone them!

[tillytiger]

i dont know what to do now as wonga are just sayig they will oly speak on phone and will not discuss anything by email and quick quid are saying they will only accept debit card, cheque, or direct debit. all of which will give the my new bank details.

[robjam1969]

Hi tilly

 

Just stand firm. Wonga are a pain but their bank details are available if you want to pay them what you can afford. QQ will eventually pass to DCA and you can then try and set up a standing order. Keep a note of all your offers to pay what you can afford.

[bub1]

Keep emailing Wonga, dont speak to them on the phone. They will eventually email you back. If you dont get any email, just pay them what you can afford into their bank account and keep a record of payment slips.

That way you can turn round and say that you have been paying what you can afford and you can quote amounts and dates.

 

As for quickquid they will pass to DCA then you can sort payment out with them. If QQ pass to Mackenzie hall, dont be bullied by them I have got them to agree to my terms and my payments.

 

Bub1

[tillytiger]

i have heard nothing from any of them for days. do i just wait or should i keep emailing them? i have sent about 5 emails to all 3 companies.

 

i will hold onto the money i was going to pay them and keep it in my savings account .

 

i cant be bothered to keep pestering them while they are just ignoring me. but if i dont keep trying will it look like i am avoiding my debt

[robjam1969]

I think you are being more than reasonable. Unless you reach an agreement I would pay nothing. Just keep detailed records of your attempts to contact them.

[Deadman]

Tiger, what happemed in the end? have any of them contacted the husbands work? Im in the same position

 

 

thanks

[tillytiger]

sorry havent been around in a while. had a bit of a disaster as just before xmas found out my husband had been having an affair. goes some way to explaining why he had his head in the sand over these debts and was doing nothing to sort them. crazily he has listed the stress of these loans in why he took comfort from somebody else being interested in him and boosting his ego.

 

thing is i was living under same stress and worry and i didnt find myself in bed with anyone else.

 

i feel even more trapped than ever. I dont feel we can stay together despite being married nearly 16years and having four kids.. no trust is hard and i dont believe a word he says anymore. was the ****test christmas ever.

 

anyway as you can imagine im all upside down at the moment and its been hard to think about anything but my marriage.

 

 

the emails from wonga and payday especially have contiunued mostly automated and phonecalls from payday have been regular. still not spoke to anyone.

 

i have taken to replying to them with the same message every time just saying that i have explained what i can pay and how i want to pay so until they give me their bank details we will not get anywhere.

 

payday have given their bank details but havent actually agreed to a payment plan but im just going to start paying them anyway.

 

wonga are being vile as what was a £600 debt is already over £1000. its not even been a month.

 

i dont know what to do with that.

 

 

quick quid have gone quiet for now so just waiting.

[Deadman]

Tiger,

 

Im really sorry to hear what your going through and that your christmas was crap. Mine was too, Relationships stink! but its worse when there are kids involved.

 

Please let me know how you get on with these companies over the next month. Im due to default on mine in the next 2 weeks. Im well scared, Sooo many sleepless nights

 

Thanks

[davet88]

im in the same boat, i default on mine in two weeks, ****ting meself about them taking money even though ive cancelled DD etc! ive reported my card lost and have cancelled all direct debits so now just gonna wait. this website is a massive help as ive found most of me answers that i need just reading every1 eles story. and i will be definetly be making a donation once im paid etc, does any1 know what payday express and cash genie are like once you default?? any help would be grateful

[robjam1969]

Hi davet

 

PAyday express are similar to most of these companies. Cash Genie are vile and have been accused of writing to neighbours, employers and producing some funny looking court orders. A guy there call Tuvey, don't speak to him, everything to be in writing. He will try and bully you.

 

Good luck

[mightyroyals]

is this the same Turvey thay worked for 1monthloan i think first name was peter

[robjam1969]

That's him. A few of them left to start up on their own.

 

OML are much easier to deal with. They have started passing accounts to Clarity.

[JMW69]

Hi Bub1

how did you get mac hall to agree to a payment plan- m so worried:(

[mightyroyals]

That's him. A few of them left to start up on their own.

 

OML are much easier to deal with. They have started passing accounts to Clarity.

 

Ahh thought it must of been him just by the surname and the fact oml is in cambridge and the other is based in ipswich

[davet88]

thanks robjam, i bank with lloyds tsb and have read storys that even though u get a new card and i have cancelled DD they can reinstate without me knowing and still take money from the old card, is this true? any1 know if you can change account number and sort code by just calling and asking?? ive recieved an email from quick quid saying urgent action required as ive cancelled the DD. do i email them now asking for payment plan or wait till i default?