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Payplan and WagedayAdvance - got another loan out after DMP

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Owe £777 to WDA. Emailed about 5 days before the repayment date saying that I was going to unable to repay full amount, sent I & E form and waited a day. Nothing. So resent email and waited a day and again nothing. It was on day of repayment so had cancelled the DD and cancelled card and CCA.


Sent £50 direct to their bank, emailed them saying I had done so and will be sending this amount every month (this was amount I had offered in repayment).


Had one standard email saying missed payment but nothing else - no phone calls or emails.


Should I be worried or should I leave it? Not willing to call.


Many thanks



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They can still force through a payment on the last 4 digits of your old card otherwise, even if the old card had been cancelled

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Have done this but still worried about the no contact. Find it a bit odd. No arrangement has been set but I paid £50 off it as i had outlined in my proposal to them.

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I advised WDA 2 weeks ago that I could not afford the repayments and that I had cancelled my CPA with the bank and requested that they do the same. I received an email last week agreeing to my repayment plan. I made the first payment last week. I didn't have any problems setting it up with them, which surprised me. Im wondering in view of the recent publicity, that they are trying to clean up their act.

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I owed £200 for the loan+ £59 interest. They agreed to not adding any further interest or charges. I am paying £25 per month.

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I emailed [email protected]. I received confirmation from a Elliot Sheppard. Ive kept all the emails I have sent and received. 4 so far have agreed to repayment plans, just waiting for the others who are not playing ball

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Just so you all know a week after I sent an original email (21st)l i got an email from Elliot Sheppard also agreeing the repayment suggestion of £50 for £777 with a review in 3 months.

Surprised to be honest but confused why the huge delay with an occasional email.

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I got an email from him last week agreeing to my repayment plan. I honestly thought I was going to have problems with them after I had heard horror stories. Maybe they are cleaning up their act after all the bad publicity about PDLs

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  • 2 months later...

Hello All,

I am trying to sort a relatives finances out for them and I was wandering if everyone/posters who has a re-payment plan with WDA has had any further problems with WDA and them accepting and continuing with the arrangement.

Also if someone could post up the contact and WDA bank details to set up a standing order.



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I had no problem with WageDayAdvance to have my repayment plan accepted and I paid by standing order to their bank account. However, every month 2 days before payday they setup a new DirectDebit for the whole amount (which I cancelled every month 1 day before payday).


Their bank account details are:



Account number: 90931772

Sort code: 20-45-14

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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  • 1 month later...



Will keep this brief. I have been with Payplan since 2005. Made a huge mistake and took out two more payday loans. Could not pay them so entered an arrangement with both. They accepted a much smaller payment - about £50 each. I owe about £700 on WageDayAdvance. However due to more financial issues I find I cannot keep up the payments so I called Paypaln who agred to add them to my DMP. Wagedayadvance have now rresponded thus:








Customer ID:




We have recently received a notification from Payplan which advises you have applied for a Debt Management Plan. Although we acknowledge receipt of this correspondence, we will not be accepting the terms of the Debt Management Plan, as we do not consider ourselves to be bound by its terms.



It appears that you entered the arrangement with Payplan on 27/11/2005; this is before you applied for funds with WageDayAdvance Ltd on 26/04/2013.



Within the loan agreement, which is legally binding and enforceable, amongst other conditions, you agreed that:




1. the information you have given is true and complete;


2. all sums owed under the loan agreement, including interest shall become due and payable immediately if, WageDayAdvance Ltd believes that you have provided false and information when you entered into the loan agreement; and


3. You would immediately inform us of circumstances relating to your ability to discharge your liabilities under the loan agreement.



At no stage during your application for the loan did you indicate that you were subject to a Debt Management Plan. Given the Debt Management Plan pre-dates the application for credit, we are concerned that you applied for a loan in the knowledge that (i) you had instructed a debt management company and (ii) you would not be able to make the repayments in accordance with your contractual obligations under the loan agreement. Providing false or misleading information in a credit application could amount to fraud on WageDayAdvance Ltd.



If, you have any further information that you would like to bring to our attention, or, if you have any other questions, please contact our Debt Management Department on 01756 707306 or e-mail [email protected].




Yours sincerely




Martin Perou

Debt Management

Tel : 0871 703 7777

Fax : 0844 443 2309



Any advice here would sincerely appreciated. How do I proceed?

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Hello there.


It's massively unlikely that they'll do anything re: the 'fraud' as it would need criminal action against you, and although you may have mislead them I can't for the life of me see that this would be in the public interest for a successful prosecution. Therefore, my guessing is that they're just trying to use scare tactics. In addition, the fact that you're actually wanting to repay the debt would really narrow down their fraud accusation anyway.


Write back with a reasonable offer of payment supported by an up-to-date financial statement.

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I understand what they are saying but actually my details were correct at the time of applying and there was no where I read that said you could not apply if on a DMP. Quite the reverse in fact.


Payplan have offered an amount that is paid on a pro rata basis to creditors.

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Well if there's nothing within their tersm and conditions I would ask for a copy of their complaints procedure, raise a formal complaint and then take it to the FOS.


They're clearly using pressurising tactics to frighten you. This isn't right.

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Had phonecalls and emails now from WDA. Payplan say that they are not accepting and will have to wait and see what they will do.


Is there a standard letter I can send? or a formal complaint the way forward?

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The email will cover your back, and if they keep contacting you they are breaking the law. A recent Appeal Court Judgement Roberts - V - BOS has defined harassment as clearly contacting twice after notification that a matter will be dealt with in writing is harassment.

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


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  • 2 weeks later...

Hi all,


Thanks for this forum and amazing advice.


Had a PDL with WDA. Couldn't pay. Was with Payplan (yes I know1) so sobbed down the phone and it was added. However WDA refuse to accept the DMP. I told them 'tough' essentially, waited for a week then got back the following email. Any advice?




"Dear Jonathan,

Unfortunately we do not accept pre signed letter of authorities, due to this we do require an agreement to be put in place direct with us.

We can not accept a plan through your debt management company, and a payment is required in order to hold the account further.

If you wish to discuss this further please callus on, 01756 707306



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Ignore it and state in writing direct to them what the repayment plan is. Then start paying them via standing order.

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


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I emailed Payplan regarding the email received above and to be honest not happy with their response.


"Thank you for your email.

Your creditor is obliged to take our payment but not obliged to accept the DMP and as such they will not discuss any issue that we may need to discuss in the future.

It is very likely that they will add all the interest and charges possible as when you took this loan you were already on a DMP and therefore you knew you could not keep the payments and this is considered fraud.

Ignoring the emails won’t make the issue disappear and your creditor can apply for a charging order at any time.

If you’re seeking advice you should address the citizen’s advice bureaux. "


WDA advance has gone VERY quiet and no contact has been made - certainly not to the extent that I thought. One email in two weeks.


Is there any advice please.

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If you were on the DMP at the time you took out the PDL, then that could be a problem for you.


I will try and find some one who can help.

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