Quick Quid and Payday UK

[Chack19]

I'm after a little advice. Basically I have two payday loans, one with Quick Quid and one with Payday UK. This has all got a little out of control and so I have taken advice from the CCCS and I have a pack from them and everything, I am in the process of opening a new bank account etc. I just wondered should I go ahead with a DMP with the CCCS (they are including my overdraft which isnt and imminent debt) or should I contact the payday lenders myself and sort out something with them (i understand this will not be easy!) Thing that I am most worried about is being contacted at work. I have cancelled my DD with Quick Quid but Payday UK obviously have my card details - if I do go ahead with the DMP how will I make a 'token payment' before the plan starts? Any help would be appreciated.

[Chack19]

Hi there, I am new to all of this but got myself in a similar situ - I did take advice from the CCCS but I have decided to sort it out myself, I have two payday loans, Quick Quid and Pay day UK. I emailed both this afternoon after being ill through it all. Quick Quid responded and after some time spent on Live chat I have managed to set up a pre default payment plan over 4 months with no extra interest/charges. I have email confirmation of this and have elected to pay by dd but my wages no longer do into that account so will just make sure there is enough to cover the payment. Just waiting to here back from PAYDAY UK, having just sorted QQ out (if all goes to plan) has made me feel so much better! Thanks for all of the advice!

[ims21]

Hi

 

I have created a new thread for you and moved your two posts here as they are on the same issue.

 

You need to be aware that by using a DD they can raid your bank since you bank may pay whatever they call from your account. This could put you in an unauthorised overdraft position and cause you to incur bank charges.

 

You should really pay this by Standing Order or via online banking.

 

ims

[quackquack]

:flame:fantastic well done re qq

[quackquack]

qq will accept paypal but not so but once ur in a plan all should be fine

[Chack19]

Thanks, I asked about so but they refused and I thought it was more important just to accept the plan as they dont seem very consistant in their approach! I will see how the first month goes before I relax totally but in all fairness they didnt complain or moan just offered me the plan, I just hope PAYDAY UK are as easy!! I cant believe I got myself into this situation and before this week I couldnt see a way out, dont underestimate how much your advise helps, I would have been too scared to do anything before I came on here.

[quackquack]

hi ur very welcome no probs just so glad ur sorted with qq and u should be fine now on the plan and paying them let us know how u get on with the other but chin up ur doing fab ul soon be free xxx:-)

[Chack19]

Well here's hoping! I will update on PDUK, I wish I had done it earlier (or just not got the loans in the first place!) as I have rolled these loans over so many times, this has been going on about a year! But with the info on here I realised that there are so many people in the same situation. What I will say is that it defo helps to tell someone, I was worried sick on my own for months and I told my mam last night and although she couldnt help financially (not that that is what I wanted) it just really helped to finally tell someone! Don't be embarrassed, everyone makes mistakes.

[quackquack]

:grouphug:i so understand where u come from and so glad u told mum u see i never told a single soul im very secrative i have a fab husband and family and it was my stupidity that got us further into debt and it spiralled out of my control so because of my stupidity i told myself it was up to me to get out of it and hid it for 3 yrs and how no one found out il never know but i did it i paid them all off and the pain and anguise was immense on my health and il end by saying thankgod i got rid because i couldnt have gone on much longer living that way ,so good luck and now u know from experience u too can help others on here i hope xxxx

[Blossom99]

Hi Chack,I had the misfortune of dealing with PaydayUk, they were a pain in the ass, and the staff were beyond rude. They eventually passed the debt to equidebt who were actually ok. I was so defensive when they emailed me, I sent back a really angry reply and they apologised and immediately agreed to my repayment offer of £20 a week. Don't be embarrassed or upset. We learn very valuable lessons from our mistakes

[Guest QuickQuidCustomerService]

Hi Chack19,

 

I'm glad you were able to sort out a payment plan with us. Please don't hesitate to get back in touch with us if you have additional questions about your account or repayment plan. As the others have said on this thread, I would just advise that you be sure to have the adequate funds in your DD account on the day when we are set to debit so that you do not incur any overdraft fees from your bank. We do send out emails to remind you when these days are coming so hopefully that helps. Good luck with everything!

 

QuickQuid

[Jon1965]

ha Isn't it amazing what the threat of losing your consumer credit licence will do. Shows how much money they make from us