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Hi all??


I am really starting to worry of recent times as my PDL are starting to get on top of me?? I currently have 4 and seem to just be constantly rolling them over and causing my self to go into more debt to live any sort of lifestyle. below i have listed the ones i have at this present moment!!


Cheque centres 1227

Quick quid 600

MEN 187

Wonga 341


I am able to roll these over this month again but i honestly need to set up a repayment plan for them. How do i go about doing this??

Should i contact them myself offering what i can afford each month on a pro rata scale?? or should i contact cccs to set it up??

Wondering what is my next step as this is beginning to stress me out and i am not able to afford to continue these payments much longer!!


Regards .......

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stop rolling them over


the most they can get from you is the cost of the loan + 1 months int.


have a read of a few threads in this forum

as i've moved you thread to the payday loan one



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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thank you!!! i have been reading quite a few of the threads! I have opened up a new basic acc with my current bank so i have a different acc no and debit card. Should i let the different payday companies that they will not be getting any money at the end of the month now??? Sending out my letters etc??



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You can do this yourself, read some of the threads on here which are very helpful.


One advantage using the CCCS has is that the payday loan companies can not hastle you at home or work, if they try tell them they are aware you are in debt management plan and if they try contacting you again you will report them to the OFT.

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cant close it as i have an overdraft on it but going to tell the bank to stop all dd and cancel the card and then get paid into my new acc!!!!


Seen some of the letters on here for sending asking for total etc is it worth while waiting till i default or starting the process now as i know i will default??



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Yeah i think i will tell them!! was speaking to cccs today and they suggest that it could take to oct until they start to help me out but is it not better if i start proceeding myself asap??

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