Jam139 and PDL

[jam139]

hi i was wondering if anyone could give me advice. Through stupidity i have ended up with 3 payday loans.

wonga 220 pound 42 pounds rollover a month

payday express 300 60 pound rollover

quick quid 700 125 roll over.

 

ive been rolling over on these for months and have decided im sick off paying these rollovers. Problem is im scared to default asi cant leave my current bank account as i have an overdraft so i cant close the account.

 

any advice would be appreciated.

 

thanks

[ims21]

I have taken down your other post on this subject as you have now created your own thread.

 

Stick to this one now and the guys will be happy to advise as soon as they are available

 

ims

[quackquack]

:plane:hello no default with them asap the sooner u do the sooner u will get a payment plan in place ,cancel ur bank card report as lost get a new one and cancel all direct debits to them until a plan is agreed .you can do this we all have and if u dont cancel ur card etc they will raid ur bank account ..email them tell them ur defaulting then ask for an acceptable payment plan asap then after u default ie after the payments was due the day after email them again requesting a payment plan and stickto ur guns dont talk on the phone to them unless its live chat only email and keep all emails they send u ..dont worry ul be absoulutly fine i promise come back and keep us posted how u get on and for more advice x

[jam139]

:plane:hello no default with them asap the sooner u do the sooner u will get a payment plan in place ,cancel ur bank card report as lost get a new one and cancel all direct debits to them until a plan is agreed .you can do this we all have and if u dont cancel ur card etc they will raid ur bank account ..email them tell them ur defaulting then ask for an acceptable payment plan asap then after u default ie after the payments was due the day after email them again requesting a payment plan and stickto ur guns dont talk on the phone to them unless its live chat only email and keep all emails they send u ..dont worry ul be absoulutly fine i promise come back and keep us posted how u get on and for more advice x

 

Thanks very much for the advice Ill cancel my card just now. Someone said that eventhough I have my card stopped they can still sometimes still get to your account? I have paid them more than enough in intrest would be good to have money left off my wages

[quackquack]

:deadhorse:when u cancel ur card as lost also tell them that u want an assurance nothing will go through from the old card unfortunatly in some cases the bank do let things go through but then u ask them for a charge back but normally like myself did i was ok with lloyds.go get em now and remember stay firm u can do this and sit down and have a cuppa u wont get taken to court ok x

[quackquack]

also type in at the top ur lenders for research on others that may help ok:whoo:

[quackquack]

quick quid do 3 and six months payment plans ask for six months u may get or not

[jam139]

Quick quid is due this friday do you think i should pay the interest this month and start trying for a repayment plan nxt month? Also ive heard they can set up direct debits on ur account early hours i currently dont have online banking so i couldnt keep an eye on it just now. got money to pay off wonga which ppl say is wise as they are a nightmare to deal with

[quackquack]

:behindsofa:HI no quick quid usually freeze interest well they did with me and others ,no if u want to pay them a token payment then do so but not with ur bank card or by dd u can ask them after the day or the day before u default for there account paypal number but normally they wont help until after u default.when u have defaulted sunshine the day after email them again asking for a payment plan reminder they will usually respond 24 hrs later so sit tight hang on in there as quick quid are turning the corner slightly helping people with plans But the p[lan may not be long enough for u and if not send a reply stating firmly u cant agree as its so much money u cant afford ok and never give them ur expenditure details either/please dont panic it will be fine but the worst case scenario is itl get sent to a dca which in almost all cases u can negotiate what u can afford to pay ..now have a brew and stop worrying no one will knock on ur door wel help u out of this ok x

[quackquack]

ps the direct debit re set up has been known but i doubt it but best to keep an eye in case anyway ,,personally i wouldnt pay them anything at all yet until an agreements in place for a plan:whoo:

[quackquack]

:madgrin:wonga apparantly can be ok just keep at them the same as the others u have to be in control not them :-)PLEASE READ OTHERS POSTS ON UR LENDERS TO HELP U FIGHT BACK AND UL KNOW LATER WHEN UR DEBT FREE TO HELP OTHERS THRU UR OWN EXPERIENCE ON HERE LIKE ME.XXXX

[jam139]

hey thanks for all your help. i get paid on friday but due to not having id etc if i report my card stolen then i cant even get to my money and also i dont have online banking.so i can keep an eye. so ill pay quick quid one final rollover payment and i will reort my card stolen get a new one and get online banking. Oher 2 rent due for 2 weeks so will have everything set up to email them explaining i cant pay

[quackquack]

u could tell ur bank ur card was lost not stolen (u dropped it somewhere ) please do whats best for u but i would seriously think about not paying them another rollover fee but if thats what u want then ok x:whoo: