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Am so worried and scared - multiple payday loans


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HIThank you for taking the time to read. Yes, i know i was stupid as i have borrowed. I pay £66 per month insurance for my dog as she is old and in April she had to have a further operation.

 

Basically she had a further 3 through April and then we lost her. The vets bill was £2752 which i thought would be covered through my insurance which i paid for 14 years.

 

Only £900 was covered as classed as a re-occurence, anyway, i borrowed from a few payday lenders a few weeks ago to pay the Vets and used the rest of my salary.

 

I borrowed from -

 

Liquid loans £260.00

mr lender £300

Money in Advance £220

Get a paydayloan fast/onesys financial £200

1st Stop payday £225

Text loan £300.00

 

These are all due in a couple of weeks. I have gopt caught out before with payday loans and paid so much back, several years ago.

 

I have closed my account. There is no way i can pay these, what are my best options.

 

It is sad to say that i have £60.00 a month surplus now as i no longer have any pet insurance to pay for. I am on a DMP with CCCS/Step Change and pay £115.00 a month.

 

I am due for a review and can up this by at least £25.00 a month as that was my wage increase with tax allowance.

 

I am scared i will be done for fraud, my partner is not at all undersatnding and i darent tell her.

 

Do i tell my DMP, do i take another one, or should i try to arrange individual monthly repayment terms.

 

With my salary i can make about £80 a month payments. Sorry to go on, please help. I am in pieces after losing my dog and have found myuself in a very scary position. Many thanks

Edited by citizenB
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Hi there, and welcome to CAG!

 

I am so sorry that you have lost your dog. You must be broken-hearted. She was lucky to have such a wonderful owner who cared so much for her.

 

You won't be charged with fraud, so please don't worry about that.

 

I don't know enough about the payday loan companies you have listed, but others will be able to advise you. Some will scream and yell and others will be more reasonable. If they cause you too many problems we can tell you how to deal with the harassment and get them to back off.

 

Step Change can be helpful because they tend to keep DCAs/creditors in line. How much is outstanding on the Step Change dmp?

 

Please don't worry. All the payday loan companies know they can't actually get money you don't have.

 

DD

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AS DD said. FOrget the silly idea of fraud. You will not be accused of it at all. That is a simple scare tactic used by PDL's, and has no basis in reality. You are on the right track with step change. When your review comes in, they'll see your finances and sort things out 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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What pet insurance did you have and why have they refused to fund the whole bill ? The money they did pay, was it for the operation only - have they made any contribution towards your canine friend's funeral expenses. ?

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank you for your adviceI have about £11k left with CCCS/StepChange, down from 17KI understand that i an not allowed to get payday loans whilst on a DMP and they may kick me off. Is this true?As for my pet isnurance, it was with virgin, when she got to 12 years old they took her off cvonitunuous and id dint realise, so re-occuring illnes over a certain amount are not covered. We did however give her the best chances and i dont regret any of it. What is the best thing to do now after cancelling my bank account? I appreciate all your adviceMany thanks

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Thanks citizen BFuneral expenses and euthanasia are not claimable but they were very professional and helpful at the pet crematorium,.Will the payday lenders come to my house?

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Good morning, :-)

 

I don't know if StepChange will kick you off. You could explain the circumstances and hope you speak to someone who understands and is sympathetic. After all, you didn't realize your vet's fees wouldn't be covered. You are a lovely person and you did the best for your dog.

 

You could then ask for a second chance. If they do kick you off you can start threads here for any of your creditors who won't continue to accept the agreed payments and we'll advise.

 

I think it's highly unlikely that the payday lenders will turn up at your house. They may threaten to send someone, but if they do we can give you a letter to send, warning them they will be trespassing. Let's worry about that later.

 

You probably don't want to risk upsetting your dmp, so the best thing is probably to email the companies and say you can't pay back the full amount. As there are six of them and you say you can afford £80 per month between them, I would offer them £10 each to start with and ask them to freeze the interest. That way you'll be able to see who is difficult and who, if any, might be reasonable. However, StepChange might be more effective in getting them to freeze the interest so you may have to go to them ultimately and hope they'll sort it out for you. I'm sure you won't be the only person who has taken out payday loans while on a StepChange dmp, and they are a charity so I would think that they do give people at least one second chance, especially in circumstances like this.

 

It probably is a good thing that you have closed your bank account as payday loan companies are notorious for helping themselves even if someone has tried to renegotiate the agreed payment.

 

Just take one step at a time.

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HII emailed step change but they havent replied, i then nearly set up a debt settlement plan with Money Expert but got cold feet and changed my mind, i have had wonga moaning at me but nothing too worrying and now i have getapaydayloanfast/onesys giving me grief.I have sorted my bank and put a spam blocker on myphone but have just read about marshall hoare turning up at peoples houses, is this true?Will keep you posted

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Hi there,

 

It's probably best to phone Step Change - You'll then at least speak to someone who can give you some immediate advice.

 

Do you have to pay for the plan with Money Expert? Please forgive my ignorance here. If you do, then I would leave it.

 

If anyone turns up, and mostly they threaten to but don't appear, then you can hand them the "Doorstep" letter and tell them to go away. They have absolutely NO powers, no matter what they say, and you don't have to speak to them.

 

If you go to 'Library' at the top of the page and follow the directions to the debt letters you'll find it.

 

If they write to you saying they are coming, send that letter by return, or by email.

 

Don't panic, and hang on until you have got an answer from Step Change.

 

DD

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HiI got through with step change and they were very helpful and have agreed to let me stay on the plan and add my payday loans. Mitigating circumstances they said. I will pay the extra that i paid for pet insurance towards my debt.Thank you everyone for your help, i can sleeop again at night.I am chasing welcome finance on a CCA as i have been paying them for 9 years and still owe £6.5k, and i never took any extra ppi's or insurances etc as i knew not to. I used to sign to them all then go away and cancwel them just to annoy the sales peopleWill post in welcome finance when i get some news backthansk again everyone

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That is some good news then. Thanks for updating the thread.. Let us know how you get on with Welcome. They are equally as bad as PDLs ??

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I am so happy to hear that things have been resolved for you. :-) I'm glad they realised you had genuine mitigating circumstances.

 

I don't know about Welcome but there are lots of people here who will help you to sort them out, I'm sure. Good luck with that too.

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