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Who trade as yes solutions uk.

Evening folks, looking for a wee bit of help here if anyone can assist I would be most grateful.

I don't want a lecture and have been very stupid and desperate and took a payday loan with "liquid advance" I applied through various sites online and it appears a broker has passed my application to "liquid advance" I received a phonecall at my work and someone asked for me, they said it was in relation to loan application I confirmed it was me on the phone and asked if I could phone them back, they said no it's ok and hung up. Later that day £250 was paid into my account. (Again I do not wish to go in to the reasons for the loan) but ultimately I could not pay it back. They are now charging me £91 per month interest and have told me the balance is now £624 and I can repay at £26 per month for 24 months.

 

I initially wrote and told them that I wish to settle this debt and would pay the £250 plus one months interest at £10 per calendar month until my financial position and the expense of Christmas was out of the way.

 

I have now got the loan agreement and it says I borrowed £260 and they have since advised me that I was charged £10 for same day payment. This was never explained to me as the phonecall I got was simply to confirm it was me.

 

I do wish to have this paid off but do not want to bullied by these people and have made a token payment of £10 thus far while I assess my options.

 

I really don't know what to do about all of this and would appreciate any advice. Not a lecture as I have read many topics and now know the trap that is payday loans and will never do something similar again no matter how desperate I am. However I feel this lot are simply taking the mick and not making any attempt to assist me and charging ridiculous interest.

 

Also I never ever saw a contract before I got the money and only say the contract when I asked for it today. Have they mis sold this as I had no idea of exact interest rate and had no idea about the £10 charge mentioned above.

 

Much obliged for any assistance folks.

 

Thanks

Dafty_Baz

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