Hopeful payment plan offer ???

[realityman]

Hya guys & gals, i have 4 payday loans ongoing & have never once defaulted on them, due to unforseen financial problems i am now going to have to default on them but will try to work amicably with them to set up payment plans as i do want to get these "payday loans" paid off. I set up a payment plan with Wageday Advance who were most helpful & it was set up without any hassle at all. I am now in the process of trying to start negotiations with Swift Sterling,,,,Payday UK,,,& One Month Loan, has anyone got any knowledge or experience of past dealings with these companies & how they react to people offering payment plans ??? I will stand my ground as i did with Wageday Advance & stress to them that any payment offer is better than a sudden refusal to pay at all & if they want the hassle of Court Action if they threaten it then so be it, (because they would get the very lowest payment if this happened anyway). So if anyone has any genuine advice on these 3 companies &/or bank details for them as well i will be eternally grateful, its better to have prior knowledge before i decide how to approach them, thank you for reading this message & just hope someone can assist me ???

[asmilecostsnothing]

Why do you keep asking for "genuine" advice? you've asked a few times before for this genuine advice and been responded to if I remember correctly

 

Sorry but you won't know until you take the bull by the horns and find out for yourself.

Payday UK will setup plans at their 'discretion' if you contact them and your right about court - their the only ones that can formally request to see income and outgoing expenses and you can also complain/report about any lenders behaviour until the cows come home if they do wrong by you

[realityman]

Thanks asmilecostsnothing & as you stated i have asked before but due to a very hectic time at the moment with family & hospital visits i have only just got round to doing it, i set up a payment plan with Wageday Advance with relatively no hassle whatsoever so thats a good start, ive been that preoccupied of late that my head turned to mush to be honest, thank you asmilecostsnothing for your reply !

[quackquack]

:mad2:asmilecostsnothing ...go easy sunshine on new folk on here ......i dont think anything bad was intended by realitymans comment re genuine,,,,just help give advice to these folk and not critical on other stuff thats not worth it xx:whoo:....WERE ALL IN THE SAME BOAT LETS NOT DRIVE PEOPLE AWAY

Edited February 15, 2012 by quackquack
BE CAREFULL YOU DONT PUT OTHERS OFF FROM COMING ON THESE FORUMS WITH BAD COMMENTS UR HERE TO HELP

[asmilecostsnothing]

Fair point quackquack, but sometimes you do have to help yourself x

As the OP says they have the info and lets be honest nothing will have changed in such a short space of time, my answer on dealing with the company won't have changed ; ) someone else may have have other comments and suggestions which I'm happy to bow out to !

Edited February 15, 2012 by asmilecostsnothing
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[realityman]

Like i stated before asmilecostsnothing i have every intention of "Helping Myself" or "Grabbing the bull by the horns" but i have been very very busy with health, work & family problems & have not really been focused on things, i only asked how the 3 named PDL companies reacted to payment plans, thats all, if we all had to "Help ourselves" all the time then there would be absolutely no need for a consumer action group would there ?

[asmilecostsnothing]

realityman - for all it's worth I found Payday UK were one of the least worry some in the end (was dealt with in 5 weeks it was frustrating but I appreciated they put everything in writing each step of the way rather then made phone contact) - I did what they asked and didn't get hammered - they will give bank details but will try like they say for when the expected original payment is due - make sure you have funds safely away if you want to take back control ; ) that is the only way you get them to entertain setting up a plan

 

I've edited because I don't want to make this sound like a breeze cause it isn't - you need perserverence and to be able to quote your rights back at them - which you can get the gist of doing any sort of search on the net ; )

Edited February 15, 2012 by asmilecostsnothing
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[quackquack]

ok now lets remember to aid and help these people ,were no different but we have gained experience from dealing with pdl companies and im free of them as u know so im not here to pick holes in peoples mistakes just to help them on here like others did me xx:whoo:

[realityman]

Thank you asmilecostsnothing, it was helpful about Payday uk, just gives me an idea of what to expect, Wageday Advance payment plan is agreed & up & running without any problems, made 2 payments already, just been so bloody preoccupied with so many other things, just got to get some information on One Month Loan now, i have heard they can be a bit awkward, i do appreciate your input, many thanks !

[asmilecostsnothing]

Realityman

That is brilliant what you have achieved so far - keep it and it will keep you going as loony as that sounds

 

I know it's hard, really HARD but try and deal with all the companies together if you can

don't get caught up dealing with 1 ackward one at a time - that only makes things worse

 

Anything you get your not sure of you come back here because there might have been peeps had the same, remember you are bang on right about court and do not be scared, in the past 6 months I have been continually learning just reading other member threads on here and looking on other places give me an idea of what could happen eg what worked for one at the start I could have perhaps done so much better ! but we live and learn!

 

The main thing is to face it (which you are) and keep chipping away - you'll be ok x

Edited February 15, 2012 by asmilecostsnothing
add member name