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I have 4 payday loans which need payments making on the 28th of this month - 3 of which will be rollover payments (QQuid, Cash Genie and PDUK), the other one to lending stream (2nd or 3rd payment of a 6 month loan) however if I make these payments I will have nothing left to live on for the rest of the month!!! They did this to me last month and the husband had to get a loan to see us over this month, however he will too be cleared out when he gets paid. I am losing sleep over this and can't think about anything else. How can I get them to agree to a payment plan before they clear out my account? I have bad credit history so setting up another bank account is a no-go as I won't be accepted. Any advice would be gratefully appreciated.

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Hey Nic, dont worry was in the same situation as you and was also losing sleep, 1st thing to do is open another bank account asap, halifax & Natwest will give you a basic account without any credit checks, phone them tommorrow and ask for an application form, once you have a new bank account switch everything over, except any direct debits with any payday loans, once this has been set up , phone your old bank and cancel your card, then email every payday loan company explaining you finances have changed and inform them what you are willing to pay and over a certain period.

 

How much do you owe these companies & i will be able to advise what they accept in re-payment plans, except for cash genie:-)

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hi do u have a template email letter to send..i owe 250 to paydayuk and a 500 loan with lending stream..already defered payday uk once and paid the interest...lost job last week,,less than 2 yrs so no pay off etc..

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Hi disco daddy, I do have a template, will put it on tommorrow as have it on my email at work, dont worry Payday uk will originally respond stating that they dont do re-paypayment plans , just email them back back informing them that you have lost your job with the amount you can afford to pay,otherwise if you paid them the amount they are asking you would only have £xx.xx to live on , they should email back stating that they will accept a 3 month plan at £50,00 per month then afterwards they will review it, if you still cannot afford this just keep emailing them with your situation and what you can afford, they are ok to deal with, you just have to keep pushing.

 

Lending Stream will only give you a couple of texts (no phonecalls) advising you have defaulted, I myself have sent them a few emails with a re-payment plan with no response, think you should phone them and explain your situation,they should give you a re-payment plan because you have lost your job, if not just keep emailing them with a re-payment plan, if they dont respond, at least you have proof you have been trying, hope this helps and will forward you the template tommorrow:-)

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I can't close my bank account as I have an overdraft with them which is £1200, what do you think my chances are of getting the companies to accept a payment plan before my pay date?

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I also had an overdraft of £600.00 with halifax, I phoned them asking if I could also have a basic account as well as my current, they stated that I could but would have to fill out an application form which they could either send me or I could complete at a Halifax branch (this was an account with no credit checks), they also stated that I could apply for another current account with them as seemingly you are allowed up to three with the same bank in which i could do over the telephone(which they would have to do a credit check) thought I would try this but did not hold out much hope as i have a bad credit rating but if that failed I would just apply for a basic account, low & behold they accepted me for another account with an additional overdraft of £500.00.

 

I have just transferred everything over from my origianl current account,ie,wages,direct debit for bills ect to this account and then I was able to pay my original overdraft with the new one and close my original account, this way i have a new account number ect but with the same bank.

 

If this fails, still open up a basic account and transfer wages, dd ect, just make sure you cancel your card on your orginal account(stating it has been lost/stolen, then set up re-payment plans with the payday companies you owe and then make an appointment with the bank and explain the situation you are in and how you can sort out paying back your overdraft.

 

In regards to how quick they will accept, PDUK replied to me in 2-3 days (but you have to default first before they will reply) , Quickquid were quick too & have after some pushing have accepted a 6 month plan, but will not give you their bank details & want paid by DD or debit card which I am refusing, so am still trying for them to accept paypal payments, Lending Stream you will have to phone them after default and explain your situation,then they should come to an arrangement quite quickly, as said before I have no experience of Cash Genie but others on this forum may be able to help.

 

Hope this has helped you & dont worry too much it will work out in the end :-)

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I can't close my bank account as I have an overdraft with them which is £1200, what do you think my chances are of getting the companies to accept a payment plan before my pay date?

 

You need to take our advice...... you need that card cancelled.....

 

This is what you need to do..........

 

You need to go to your bank and advise them you left bank statments, card and even chequebook if you had one, in a public place (makke that one up urself)

 

The people there are not what you feel are the most trustworthy, especially the person that gave you your stuff back...... lie thru ur teeth, even tell them this person has been done for fraud....

 

You feel your account has been compromised....... and for piece of mind you need a new account number.

 

The bank will then give you a new account number, debit card and transfer you o/draft to the new account.....

 

do not mention pday loans to them at all. the only reason this needs cancelled is due to the account being compromised.

 

 

Do this, or you will have your account raided at will by these sharks....

That i and everyone on here will promise you...

 

Please take our advice.

I HATE Yes.

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