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I will start a consolidated thread listing all my payday loans due to gambling and the severe nightmare it has caused me including losing my job and nearly my family.


I have downloaded your guide and going to sort all the information I need to post properly this weekend. However I have (after reading your frankly brilliant guide) looked closely into the situation with QuickQuid.


I spiraled from loans of 100 to £1200 with them over 2015,2016 and 2017 whilst also borrowing every month from Wonga, MyJar, Lending Stream. I lost my job in June 2017 and owed them £1200. I defaulted etc and they did actually freeze the interest etc for a period whilst I got back on my feet.


In August last year I got re-employed but on a much lower salary. I set up a payment plan with them for £120.76 per month for 18 months meaning total repayment of 2173.68 for a £1200 loan.


I believe I have a case for irresponsible lending but simply cannot start it till this weekend. My next payment is due to come out on friday.



1) Should I cancel the direct debit or continue paying?

2) If yes to cancelling then should I inform them I have done so and why?


Many thanks


Edited by Andyorch

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I know I said I wouldn't be able to do this till the weekend but its too addictive (yes I'm clearly an ex gambler!) - Wonga lent me £35,344 over 6 years, QQ £7,800, Lending stream still haven't finished working out. Interest paid just on W and QQ is £6000 alone. And I've found Capital Finance, MicroFinance, Payday UK, Express finance on just the 6 months worth of downloaded statements I've gone through from 2011.

I feel sick.


Please could someone let me know if I should cancel the next QQ payment in light of forthcoming complaint?

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No...not until you have started your official claim.



We could do with some help from you.



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If you want advice on your thread please PM me a link to your thread

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