Payday loan free!!!!

[ihateyes]

After 6 months the morning has arrived when i can at last for the 1st time in a cpl of years i can shout IM PAYDAY LOAN FREE!!!!!!!!!!

just over 6mths ago, i had 10loans, eating my monthly wage, rollin over just to live and provide, and after reading on here i decided i can do this.....

i can honestly say apart from PDE it was relatively smooth.

Again IM PAYDAY LOAN FREE!!!!!!!

[paxon]

Congrats I bet its a nice feeling, i will be joining you in 2 months cant wait !!

[slgsue]

Congrats!!! We will also be joining you in 3 months, its such a lovely feeling to see that light at the end of a very dark tunnel!

[sillygirl1]

Congratulations :whoo:hope you now don't go back down the same path.....

 

Shows how sticking to your guns and knowing YOU have rights too works..

[sarahlloyd]

Congratulations!!

 

I've got about 8 months left, if all goes to plan. I can't wait until I'm in your position!

[showergirl]

Congratulations now your wages are your to enjoy

[ihateyes]

Congratulations :whoo:hope you now don't go back down the same path.....

 

Shows how sticking to your guns and knowing YOU have rights too works..

 

absolutley no way, no need to, also the fact i had so many lenders im sure im a big black mark with each and every one.... i hope so anyway!

 

It feels good, it will feel better next mth when i dont have any payments to pay out, and so much money to spend!!!

[showergirl]

Did u close your bank account or just cancel your cards. I am sure this is one black mark you will not mind having if it will stop you falling into this trap againGood luck to you and take care.

[ihateyes]

i actually left that account open. as we had no other debit cards, it was handy..

but when i first agreed the plans PDUK, and WONGA still repeatedly tried the card but to no avail, this all got stopped when the bank called and questioned these failed transactions, at which point i recorded these as fraudulent.

 

Thats was the last time the bank called!! not sure if they then put a block on these 2 companies.

 

but that account is only used as a means of paying something, and the money doesnt go in til the payment is literally being made. and is only in the accoutn seconds prior to the payment........

 

money is never in that account for more than 1 min!!!

[nortel]

Well done mate. You now need to start writing a book on how to beat these idiots.

[indebt00]

well done!!!!! Please let us know how you done it xx

[indebt00]

well done!!!!! Please let us know how you done it xx

[ihateyes]

I dont it with the help and guidance fro the many threads on CAG.... i read other forums, but found these one nothing more than helpful. Other forums, are so judgemental its unreal.

 

I had 10 i think

Lendin Stream *2

247moneybox

PDUK

PDE

LendUK

Wonga

WDA

EarlypaydayUK

Uncle Buck

 

If I count up, i had loans totalling over £2,000. i was paying over £800 per month on rollover fees. Overtime at work was what i was surviving on...

I thought enough was enough.

I called everyone once then dealt after that with emails.

Wonga, WDA, LendUK, and U Buck were the easit to deal with. The rest needed a bit of persuasion. PDE needed a boot up the )( cheeks.

I managed to pay PDE over 2 mths, but refused to pay the rollover/interest fees. the wouldnt budge, and i told thm to take me to court. eventually after many heated telephone exchanges they backed don, and confirmed in email the account was settled and closed.

 

The key is to close the bank account and cut their scource of pilfering as they will, and at will.

I paid all by faster payment, and WDA and EPDL by ddeb. i didnt mind the ddeb, as if they tried to take more i would simply enforce the ddeb indemnity.

 

Ive been on the count down over the 3mths, and finally today it happened... all cleared.

 

I paid the 10 over a period of 3-6mths.

the final ones being 247, EPDL, WDA & Wonga.

 

These companies imo do serve a purpose, and they advertise how great it is to use them, and they even compare the bank charges, problem is they dont tell, what they will do when things go wrong. and its this end that needs regulated as well.

 

There needs to be more regulation in the application stage, as its 2 easy to rack up with 10loans wheneve your takehome is £1200.... doesnt give much left over after rollovers....

[Cait116]

Congrats ihateyes xx

[Darren MO]

how did you deal with 24/7 moneybox?

[ihateyes]

i stood my ground with them.. and refused to pay their silly charges..... eventually an account manager called me and we sorted it out, but the ones that answered the phones had no common sense at all

[Darren MO]

if you don't mind me asking what was your repayment plan with them. Ideally i wanna use email not phone to resolve but they never reply

[Darren MO]

also how long did it take for them to back down?

[ihateyes]

also how long did it take for them to back down?

 

they wouldnt so within 2 mths i called to pay balance + one month, they refused, and i said i had the money to pay and thats all i was paying, and they were refusing to even take that..... so eventually an account manager called, and i explained all i was will to pay to clear the account was loan+1mth, i said you can take me to court and your company can explain why you have refused to take payment.... he agreed to take my money, but before i did, while he was on the phone i requested an email to that effect... only then did i faster payment the money onto the debit card, and give the money over,,,,

[quackquack]

well done im going to be free soon too xxxxxxxxxxxxxxxxxxxx

[Suz1e]

Hi Just wanted to say reading your posts has given ne the push to sort out my payday loan mess. I owe wonga 1250 and pduk £500. Both are due to be paid on 25th, unfortunately I havnt been able to open up a bank account in time as Halifax say they have had lots of applications and could take 10 days. My work process my wages a week before I'm due to get paid. I've heard mixed reviews about both pduk and wonga and how willing they are to take on payment plans. Do you gave any tips on the best way to contact and deal with each of them? I'd be so grateful as can't afford to rollover again as already behind with rent.

[Suz1e]

Hey, I also meant to ask if anyone had advice on how to stop both wonga and pduk taking the money out of my account when I get paid. I'm worried that not being able to open a bank account in time will result in them taking. From what I've read just cancelling my card may not be enough. Any advice would be really appreciated, I'm determined not to sort this out but really worried.

Thanks

[Suz1e]

Determined to sort this out

[ihateyes]

Determined to sort this out

 

for wonga send the same email to [email protected], [email protected], [email protected] NOW.......

 

explain your change in financial circumstances, offer 6-9mths, ask for sort code/acc number so you can send payment by faster payments on payday.... within hours, they will freeze your interest, and giv you your monthly payments....

 

dont wait til the 25th... as wonga charge interest daily they will stop as soon as they recieve your email

[Suz1e]

Thank you, really appreciate it. Do you think they will still try and empty my account even if an agreement is made?

Does anyone have advice about pduk?

Thanks again