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I am so far doing okay on sorting out these paydays but still having a couple of problems:

Txtloan and PUK - they have agreed to my repayment of £50 mthly

QuickQuid - have agreed to pay it off in 4 installments which isnt ideal but cant be arsed with the hassle so i am paying

Wonga - are not budging on my repayment offer and have sent me letters from Barker & Lowe threatening legal action

Payday Express - have still not agreed but now asking for income/expenditure

Lending Stream - ive paid them £50 allready but still have not confirmed repayment


Can someone tell me how to deal with P Express, L Stream and Wonga. Also, QQ have agreed 4 month repayment and still have my card details - can i trust them to take this repayment only and no more (they have confirmed via email)?


I appreciate the help - its been long and hard but i feel i am making progress

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thanks robjam, still getting the letters from Wonga but as u said i am a bit worried whether QQ are going to try and take all my money out. They emailed me the below:


Customer # 1480313


This is a confirmation that you have entered into a pre-default payment plan detailed below.


£212.18__________due 15/12/2010

£212.18__________due 14/1/2011

£_212.18_________due 15/2/2011

£_212.21_________due 15/3/2011


Please be sure the funds are available. This arrangement cannot be cancelled. Not honouring this arrangement will trigger collection procedures.

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You never know and they wouldn't think twice. To be honest with QQ it is easier to let them pass to a DCA in this country and you can then pay over the counter at the bank. Some DCA's will also discount the debt.

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