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4 x payday loans not sure where to start


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Hello

 

I don't know what else to say apart from I have been an idiot with gambling and payday loans

 

I have taken out too many payday loans and I can't afford to pay them back. I don't want to do the extending thing.

 

I earn 1200ish after tax

 

I need i would say 1k to live and work.

 

As of today I owe:

 

memcapital £387

safeloans: £222 today £260 at end of month

wonga 435 at end of month

 

maybe the worst lendingstream seems to have some 6 month schedule which i didn't ask for :

 

loan amount £320 total to repay £416

payment schedule

£96

£160

£140

£121

£102

£83

 

which is obviously ridiculous...

 

Wonga I have already paid back 50 of what I initially owed ( I called to ask for repayment plan but was told it was too early into the loan and I should call back a week before it is due, I have dealt with wonga before when i didn't have a job and they lent me money and they were ok about spreading the repayments). I paid the 50 to get the ball rolling.

 

They are all due 31st this month. I am so panicked and stressed now please help

 

I would like to offer them all £50 each, what is the best way of going to about it?

 

I also just recieved the not so great news that my halifax student account is turning into a regular account and my £3k overdraft is going to be charged at £3 per day. That's a high apr if you ask me, any advise (not so pressing P)

 

Thanks in advance!

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Hello and Welcome, dakky.

 

The guys who frequent and give good advice on paydayloans should be along shortly, in the meantime have a look at other threads in this forum, should give you some idea of what to expect.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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Dakky? First and foremost...

 

Is the gambling under control?

 

Lending stream... That's how they offer their loans. I guess you already have a (albeit high interest) repayment plan there.

 

I understand you have bitten off more than you can chew, but maybe you should try and pay off the smallest loan this payday whilst making token payments to the others until next payday?

 

The first piece of advice I'd normally offer is to protect your income. Have it paid into a different non associated bank account or simply, prepare to have your bank account emptied by these sharks on payday... It's an all to common story here. However, that said... Looks like you have an overdraft. I'd talk to your bank and tell them the security of your account has been breached and that you need a new debit card. I'd also ask them to cancel any direct debits that have been set up by the PDL companies. There's a payment method called a CPA which you probably signed up with these companies when applying for the loans. In a nutshell, this means they can set up a direct debit monthly and they will try and debit.

 

Further advice will be along shortly - I'm a novice, plenty of PDL experts here lol.

 

Write or email them all offering what you can realistically afford. DON'T phone them or engage in conversation with them when they call you unless you can record the call! Keep a paper trail.

 

Keep us updated on ur progress

It never rains but it pours...

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Hi dakky,

 

Good choice of PDL companies :-)

 

I say this because you are lucky as all of them will agree to repayment plans.

 

You say you have about 200 GBP left each month to repay them back, that is why you would offer each 50 GBP.

 

The issue I see with that is that:

a) you have near to nothing left to repay your Halifax overdraft (which takes priority over the low priority PDL debt)

b) you have near to nothing left to build up some savings. So even assuming your gambling problem is under control, still when an emergency comes (car repair, washing machine brakes down, etc.) you would be tempted to take out further PDL loans.

 

All four companies will agree to at least 12 months repayment plans, Wonga and MEM to 18 months, so as charges and interest will be frozen during this repayment period it is basically interest free money. So do not offer them 50 GBP, but instead over 12/18 months:

MEM: 21.50 GBP (18 months)

Safeloans: 21.67 GBP (12 months)

Wonga: 24.17 GBP (18 months)

LendingStream: 34.67 GBP (12 months)

 

This totals to 102.01 GBP each month leaving you 97.99 GBP.

 

Regarding Halifax the overdraft interest (classified as a fee I guess) is really high. It should be a third of it. I would therefore contact them and ask if they can transfer the overdraft into a personal loan. This will give you a better interest rate.

 

Assuming you repay about 60 GBP as loan rate to Halifax, you would then be able to save about 40 GBP into a savings account for emergencies.

 

Regarding the PDL email all of them (if not done already so). State you are in unexpected financial difficulties, but do not go into too much details. Offer them the amounts above. Some will ask for I&E forms (especially Wonga has a new special I&E form which they use to calculate if they can accept your rate).

 

Once you have got the first initial replies back, let us know them and I am sure we can help where needed.

24/7 Moneybox: 195.00 - Oustanding: 0.00

British Pearl/Spondoolies: 752.10 - Oustanding: 0.00

Cash on go/Peachy: 206.30 - Oustanding: 0.00

EarlyPayday: 325.00 - Oustanding: 0.00

Lending Stream: 1398.46 - Oustanding: 0.00

MicroLend: 780.00 - Oustanding: 0.00

Minicredit: 520.00 - Oustanding: 0.00

MonthEndMoney/PaydayUK: 937.50 - Oustanding: 0.00

MrLender: 715.00 - Oustanding: 0.00

Pounds2Pocket: 2328.00 - Oustanding: 0.00

QuickQuid: 1800.00 - Oustanding: 0.00

SafeLoans: 450.50 - Oustanding: 0.00

Speed-E-Loans: 516.00 - Oustanding: 0.00

SwiftSterling: 1295.00 - Oustanding: 0.00

Toothfairy Finance: 544.00 - Oustanding: 0.00

TxtLoan: 450.00 - Oustanding: 0.00

WageDayAdvance: 670.80 - Oustanding: 0.00

Wonga: 1336.86 - Oustanding: 0.00

Total: 15220.52 - Oustanding: 0.00

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Thank you so much for your replies.

 

Pdl victim, do you think it is too early to contact them or is it never too early? I am just basing this on what wonga said to me?

 

Also good news I guess that I apparently chose companies who are reasonable (?) when it comes to these things!

 

To be fair I was being generous with myself saying 1k, I could probably squeeze a bit more out and would like to get it done in a year or sooner if possible.

 

I will offer them all 12 months. I will write the letter now and get it ready to send depending on your reply as to whether it is too soon.

 

I guess I have enough time to get my wages paid I to another account if they haven't all agreed in the next 10 days or so.

 

Thanks again

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How about this as a letter:

 

Dear Sirs,

 

I have recently come into some financial difficulties which is going to make it impossible to pay all my creditors as I hoped.

 

I have looked at my outgoings and am writing to hopefully arrange a repayment plan with yourselves which will be manageable.

 

I will owe you £260 at the end of the month, and would like to offer to repay this over 12 months, at £21.67 per month.

 

If my financial situation improves then of course we could re-asses the plan.

 

I hope your are agreeable to this and await your reply.

 

Many thanks

 

my name

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Thats a good letter. Just add the clause that you are willing to look over your finances every 3 months in order to see if you can pay the creditor more. Be wary though, as some of the PDL's you listed will try and get you to make upfront payments or get you to fill in an I&E form that goes into way too much detail.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Id just like to say iv recently had dealings with Safeloans, I contacted them telling them I had financial difficulties and agreed on a payment plan they immediately froze all interest and charges. I found them very helpful and I even missed one payment by mistake paid it a few days later and there was no problems. All correspondence I had with safe loans was via email, I didn't have to ring them once.

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Reassuring that they do seem to be the companies that will help you out in your hour of need!

 

Definitely change bank accounts still. Even the best of a bad bunch are capable of making 'mistakes'.... I believe wonga are behaving themselves now as they want to become a bank lol!

 

Good luck

It never rains but it pours...

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Hard to become a bank when you've recently had action taken on your license for accusing a lot of debtors of fraudulent behaviour.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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wow wonga a bank? please god no!

 

I have emailed all apart from wonga who i will write to closer to the time

 

I will let you guys know when i receive some replies.

 

thanks very much

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Dear Mr.***

 

Thank you for your email. Sorry to hear of your current situation.

 

Please provide us with a breakdown of your monthly income and expenditure to allow us to look at arranging a repayment plan with you.

 

Regards, Safe Loans

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Ok. They are allowed a simplistic summary. However, THEY dont get to decide a repayment plan for you. Your I&E is there to prove your offer of a plan. Nothing more.

 

If they try to demand you pay more when you clearly cant, or they try to "encourage" you to pay a little extra by lessening your essential outgoings, file a formal complaint and put the account into dispute until they agree with YOUR plan.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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personal-budget-sheet /income.php[/url]

 

Give it a good read.

 

I've done all my incomings and expendature but the budget summary sheet from that site seems to give a lot of detail which I understood you didn't need to?"

 

I had another two repies, one where they want lots of details and one where they are asking for I&E and copy of my payslip. From what I understand they don't need to see my payslip, but I have nothing to hide. I mean I want to keep these people onside and be curtoeous as much as possible instead of "THIS IS HOW IT IS. THIS IS WHAT YOU GET. THESE ARE MY RIGHTS"?

 

 

-----------------------------------

Good Morning Mr ,

 

Thank you for your email.

 

If you are experiencing genuine financial difficulties at the moment, please send to us your Income & Expenditure report along with your latest payslip and contact our helpful team of payment negotiators on 0845 351 1482.

 

We are willing to work with you to clear the outstanding balance and can set an arrangement for an affordable monthly installment. However, please be informed that payment arrangement can only be set up over the phone once you have sent the above mentioned documents.

 

We look forward to hear from you.

 

Regards,

 

Customer Care Team,

Lending Stream

 

 

--------------------------------------

 

"

Thank you for taking the time to inform us of your current situation.

 

In order for us to agree a suitable payment plan for you we will need you to complete the below income and expenditure form detailing your monthly income and outgoings as soon as you can:

 

Number of people residing at property (please break down into adults and dependant children)

 

Monthly Salary: £

Other Monthly Income (Benefits, Pension etc): £

Total Income £

 

Rent/Mortgage: £

Utility Bills: £

Mobile Phone: £

Groceries: £

Credit Card and/or other Loan payments: £

Other (please provide breakdown): £

Total outgoings £

 

Amount left over £

 

Please also advise what other credit commitments you have and how much your arranged payments are to each.

 

Once we have this an agent will make an assessment and propose an arrangement which assists you in repaying the balance and supports your current financial situation.

 

Please fax this to us on 0845 127 4365 or alternatively email it to us on this address. You can contact the office on 0800 280 2666 (Call charges may apply depending on your telephone provider) between 9:00am – 8:30pm Monday to Friday and 10am – 3pm on a Saturday should you have any further queries.

 

If a suitable payment plan is not agreed by your loan due date, then the full payment will fall due and payments can be tried at any time in accordance with your loan terms and conditions.

 

As we work with a Credit Reference agency, we share your account information on a monthly basis, so when you repay your loan on time, it may help to improve your credit rating. However if you do not repay on time this may have a negative impact on your credit rating.

 

Kind Regards,

 

Faye

 

Customer Services

 

PaydayUK (T3L),"

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You're right. There's conflicting advice here RE: I and E sheets. I don't know, maybe they'd try and trip you up if you give them too much info? They may say 'don't pay that pay us' I'm not sure! Personally, I'd try and keep that sort of info to a minimum. Don't specifically list creditors.

 

Wage slip, another one. They can't demand this... But if you want to show willing? I don't see the harm

It never rains but it pours...

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Ok. Heres what you need to do.

 

Use the link i gave and fill it in. This is your I&E form and is ONLY for your use. The creditors get a budget summary, which is a very simplified version of the I&E form, and doesnt contain reference numbers etc. Under no circumstances give them a payslip. They do not need or are allowed one. It is considered personal/confidential information.

 

Of course, you can choose to send it if you wish, but they have no reason nor right to see it. Your budget summary is enough for them to see that your offer of repayment is genuine. Remember, the summary is there to back up your offer. Not for a creditor to decide a repayment plan for you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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You dont need to do that. If you have a loan with Halifax, simply reference it in the summary as "Bank loan 1 : xxxxx amount"

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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1 offer received. I had just sent my payslip as requested to safe loans and lending stream.

 

I am still waiting on pduk to make an offer. They left a message on my voicemail asking me to call as did lending stream. I did but they didn't have anything to say/offer apart from telling me that I had a due loan on 31st! I asked about my emails and said I would wait for them to contact me in reference to my emails.

 

Got about a week to get this sorted.

 

Here is reply from safe loans. I had offered them to repay over 12 months, at £21.67 per month if they agreed to freeze interest. Their counter offer is 6months with a reduced interest rate:

 

Dear Mr.

Unfortunately your payslip does not have your salary date showing .

 

We are willing to arrange the following payment plan on your account with a reduced rate of interest of 10% :

 

£51.26 - 31/08/12

 

£51.26 - 28/09/12

 

£51.26 - 31/10/12

 

£51.26 - 30/11/12

 

£51.26 - 31/12/13

 

£51.29 - 31/01/13

 

Please email confirmation of the above along with your debit card details for repayment and i will set your account accordingly.

 

Regards, Safe Loans

------------------------------------

Next move? How long should I leave the others before chasing?

 

Thanks very much!

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You do realise that they have no legal right or reason to see your payslip. The ONLY thing they might be allowed is a simplified budget summary which is only to be used to back up your offer of repayment. Nothing more.

 

And 10% reduced rate of interest? Hahaha. These muppets just dont give up.

 

Also, do NOT give them your bank details. Pay by standing order only. Send a simple reply back restating YOUR offer and tell them it is non negotiable as you cannot afford any more.

 

Dont give in to their silly offers.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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You do realise that they have no legal right or reason to see your payslip. The ONLY thing they might be allowed is a simplified budget summary which is only to be used to back up your offer of repayment. Nothing more.

 

Yes but I didn't want to start off negotiations being abrasive.

 

 

And 10% reduced rate of interest? Hahaha. These muppets just dont give up.

 

Also, do NOT give them your bank details. Pay by standing order only. Send a simple reply back restating YOUR offer and tell them it is non negotiable as you cannot afford any more.

 

Dont give in to their silly offers.

 

I will reply saying :"Adding any interest will simply detract from my ability to pay off all my creditors. As you can see I can only afford a certain amount towards the repayment of my debts. I have allocated this money to my creditors on a pro-rata basis.

 

My offer of 21.67 per month for 12 months stands, and we can re-asses the situation in three months."

 

Good enough?

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You wouldnt be abrasive. They rely on debtor ignorance or politeness to get what they want. Again, the ONLY thing they are allowed is a very simply budget summary that is only to be used to back up your offer of repayment. Nothing else.

 

 

I would put something like this:

 

Reference : xxxxxxx

 

Dear PDL,

 

Thankyou for your recent letter to me, of which the contents have been duly noted. Please note that my previous offer of xxx every week/month still stands and is now NON-NEGOTIABLE. However, I am willing to add a condition to this offer which is that i will re-evaluate my financial circumstances with you every three months.

 

Again, this is non-negotiable, and no further correspondance will be entered into with yourselves until this offer is accepted.

 

Sincerely

 

xxxx Do not sign, just print or type your name.

 

If you can write up a simple budget summary, include it in the letter/email and add the statement: " Please find enclosed a budget summary that will confirm my offer of repayment to you".

 

 

Dont worry about being abrasive. They will try every trick in the book to get money from you that is more than you can afford. Remember, you are in control. You need to make them know that you know your rights, you wont back down, and you wont be taken for a fool.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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You wouldnt be abrasive. They rely on debtor ignorance or politeness to get what they want. Again, the ONLY thing they are allowed is a very simply budget summary that is only to be used to back up your offer of repayment. Nothing else.

 

 

I would put something like this:

 

 

 

If you can write up a simple budget summary, include it in the letter/email and add the statement: " Please find enclosed a budget summary that will confirm my offer of repayment to you".

 

 

Dont worry about being abrasive. They will try every trick in the book to get money from you that is more than you can afford. Remember, you are in control. You need to make them know that you know your rights, you wont back down, and you wont be taken for a fool.

 

Well i just replied writing exactly what you said, adding the line "Please send confirmation of agreement along with your bank details so I can arrange a standing order." in reference to their last line!

 

I hope they reply in the next couple of days.

 

I think it is time to let wonga know there is going to be a delay.

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