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payday uk/keyes whitlock & co

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Hi there,

I fell into the payday loan trap christmas 2008- and have still not gotten out of it!

As everybody probably does, I initially intended to borrow a bit to tide me over xmas and help with the extra expense and repay with my January works pay.

However when January came I hadn't bargained for what a tough month it was going to be and had to defer the balance- only paying the charges until the following month.

This went on for most months as I always found I had another expense and could not do without my wages.

So I only really ever repaid the minimum.


Things started to change for me and gradually get worse towards the end of last year. It started with a miscarriage, followed by a long spell off work which caused a drop in income.

I immediately wrote to let them know what had happened and tried to negotiate repayments.

They would not negotiate at all and tried to get the minimum charges of £75.00 from me which I could not afford.

I told them I want them to take my account away and never to offer me further credit as I want to get out of the 'downward spiral' and start paying off the balance.

I offered them £25 per month in payment with regular reviews and asked them to freeze charges/interest.

However, they ignored my offer which was made back at the end of december and continued to phone and send threatening letters seeking me to defer the balance or pay in full.

I wrote again telling them I could do no better and that I would have to let them pass it to a debt collection agency as they threatened and since then I heard nothing.


However, since all this in dec/Jan my circumstances have changed AGAIN for the worse and my hours have been drastically cut at work. I used to be full time and am now on 20 hours per month and bringing home only around £500 per month.


I have written around 6 times in total to let them know of my problems and negotiate a payment plan.

Last week I sent a copy of my household income/expenditure, a covering letter explaining I now have more going out than coming in and an offer of £10 per month token payments with regular reviews enclosing the first payment of £10.

In theory my offer could have been a lot less because my income/expenditure is actually in the minus, but I have gone out on a whim to offer a reasonable amount.

Considering some of my creditors aren't actually getting paid right now, this is a good offer!


The oustanding balance in full was originally £275.00 but will be more over £300 now as they have slapped charges on left right and centre.


They recieved my letter and cheque for £10 yesterday and immediately started calling my work phone- despite me requesting contact to be kept in writing only.

I didn't answer because I knew they would try to bully me into agreeing to something i can't afford and I now need to keep copies of contact.

Turns out I was right not to answer because they then emailed in reply to the email I sent before things worsened again offering £25, saying they would accept my offer of £25!!!!!!!

Funny that isn't it?

They ignored it right up until I offered £10 and explained things had worsened.


So I wrote back telling them this offer was no longer valid because things had again changed and to refer to my letter.


Recieved an email in reply telling me today that they will accept NO LESS than £25.00 per month and I can make £10 payments if I want but my account will be subject to further charges and action whilst I am paying this.


They claim to be Keyes whitlock and co- a team of solicitors but actualy this is a trading name of payday uk and is in fact the same company by the looks of it, posing as a legal team!


My question to you is this..... can they continue to apply charges and interest and continue with action despite me paying the maximum i can afford and providing them with all my personal info etc?


If it went to court I would only pay what I could reaosnably afford anyway which would be a hell of a lot less so I am actually hoping they take me to court over it!


In the meantime is there anything I can do in my defence to avoid further charges? I will never pay this debt off whilst they slap charges on it like this :(


Thanks in advance.

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