its for a debt with welcome for £10000 im going away and need 2 set this up,frightened wescot will force their way into my home whilst away im not v well at the moment

Hi Just wondered if anyone had banking details for wescot,i need to set up a standing oder asap,have a reference for my account but no banking details,if anyone had any id be grateful. Thanks

Hi Thanks for your reply,i have a ccj with tower capital but have paid it off now,i also have one for capital one with bryan carter,still paying that.Im being threatened by wescot re welcome finance debt,they forced me into paying more than i can afford,made one payment but cant keep it up,they want £89, i offered £25 but they constntly ring,there threatening coming around and they want ie asnd wage details of my husband,im also having similar problems with moorcroft despite them coming to an arrangement,they just keep asking for more and threatening to come round,just sick of it all,everyone else have come to arrangements its just mostly these 3!!! Wish i never got involved its a vicious circle and anyone reading this thinking about borrowing money from these people PLEASE DONT!!! its made me ill and not sure how much more i can take. x

Hi all My longterm battle with payday loans continues, today i have recieved a letter from mackenzie hall dated 21st april, they sa ify i dont pay they are going for a county court judgement!! yipee i think another one !! They forced me into an arrangement OF £50 but i cannot afford it, they wont take no for an answer, ive checked my credit file and they have already issued a default ,im at my wits end, yesterday had a call from the banks fraud team, money has gone out of my account and they have tried to take more, my cards been cancelled ,im getting hassles from moorcroft who i have an arrangement and wescot who keep threatening to come round!! I nreally am at my wits end ,im going away at the weekend and scared somebody will break into my house from one of these dca,s whilst im away (my husbands paid for this holiday and its a well deserved break as ive been ill and had a lot of personal trauma recently-just in case anyones wondering why im going away when in debt) What do i do? im paying at present what i can afford but nobodys listening and im getting ccj,s all over the place- please help im so stressed ,i really feel its tipping me over the edge x

Help!!! Another letter again yesterday from Wescot stating my account is in arrears and that if i dont pay the arrears they will either take legal action or send it to one of there doorstep collectors who will come round to recover the debt,i really dont want to talk with them as they have already talked me into paying more than i can afford,ive paid the amount i can afford this month but there still pestering for the rest,i dont know what to do,ive heard a lot of horror stories on welcome calling round to your house and i really cant risk this happening,but just want to pay what i can afford,please can anyone advise me? Thanks

Hi all Well paid Wescot the amount i said,had a letter telling me to urgently contact them and phonecalls and text messages everyday,i emailed telling them that this was all i could afford but still keep getting these calls,shall i just ignore and keep paying the £25 in the hope they will just get fed up or shall i phone them? im a little bothered about ringing them as this was the way they talked me into paying an amount i cannot afford in the frst place.

Thanks for the advice,ive cancelled the dd and will pay via a bank transfer the £25,im sure they wont be happy but a least im paying something thats fair to everybody else. How do i mention to wescot when they do get hold of me about the i&e being based just on me as debts in my name only? Thanks again x

Thanks for your quick responses:-) [] The i&e i submitted was for joint as they wouldnt accept just me on my own,the debt is in my maiden name only. I hAVE SORTED ARRANGEMENTS OUT MYSELF AS FOUND DEBT MANAGEMENT DIDNT WORK,THEY HAVE ALL AGREED APART FROMN WELCOME AND QUICK QUID WHO WANT ME TO PAY £50 IM UNSURE IF WESCOT OWN THE DEBT,THEY JUST SAID THEY WERE NOW DEALING WITH IT,I DONT HAVE ANY DOCUMENTATION,LOOKED FOR IT BUT UNABLE TO FIND IT:-(

Hi Jus t wondered if someone could give some advice,i have an unsecured loan with welcome finance,i originally borrowed £3000 in march 2006 and then in december 2006 borrowed another £2500,all this time i was making payments first of around £180 then after second loan around £280 until august 2007,i then went on to a paymeent plan which i paid £56,i then found it a struggle to pay this and asked welcome if i could pay less,finally welcome agreed to payments of just £25 which i continued paying up until about august when i had some very serious issues going on in my personal life,what had happened was the direct debit bounced and i wasnt aware of this until i recently recieved a phonecall from wescot in january. Wescot informed me that they were handlinmg my loan which is still standing at £10,500!! i asked wescot if i could make the £25 payment i was originally making but they refused and after asking a few questions re i&e including my husbands (which i wasnt happy giving as i took this loan out before i was married and its under my maiden name) they said i had to pay £89 a month aand they wouldnt accept less as i had my husband to support me.I agreed to this but really cannot afford it as im paying a lot of others,all of whom have now come to arrangements i can afford,i had only budgeted for the £25,can anyone advise please on what to do,im tempted to cancel the direct debit and if i can find there bank details pay the £25,but will wescot take this further and more importantly willthey come round to the house,id be greatful for any advice on this or if anyone has had any dealings with wescot. Thanks ain advance x

Yes i know how you feel,i recently got my first ccj from Tower Capital for a debt of £280! i have just paid it off MERIT FORCE threatened to come round,im unsure if they will but hope they doint,im not ringing as its an 0844 number i tried to contact them but no response back,i just want to sort this out but can only afford £40 ,my debt is £600 original loan and interest,it now stands at £900!!!

Thankyou Having re read the letter again i notice its from somebody csalled MERIT FORCE,DOOR STEP COLLECTION,does anyone have any experience with them,im a little worried they are going to turn up whilst im at work and speak to my hubbie(he doesnt know about it )

But isnt mackenzie hall the dca? i dont want to go over the amount i can afford as ive started to make some progress with my others. Thanks for your advice x

Hi everyonehaving posted on here several times i am dealing with my debts i have payment arrangements in place now for several payday loans,i recieved a ccj from tower capital but have nearly paid that off,i am paying regularnow to: wage day advance payday express txt loan cash genie 1 month loan My problem is quick quid and wonga This morning recieved a letter from quick quid saying they are sending a collector round,now i have tried to come to an arrangement and offered £40,i owe £900,now i realise its not much but as i have come to arrangements with others and they have accepted my proposals i explained i cannot pay any more,they simply wont listen,are are they likely to send somebody round? it mentions a specific person on the letter who i have to speak to but i dont want to phne so again emailed my proposals.Does anyone have any advice or experience with these? Thanks

Hi all Wondered if somebody could give me some advice,i took out a loan with mobile money a couple of years ago against my car and have been paying it off and renewing ever since,i renewed it again in November and pay £40 a month or £80 if i want to clear the interest,i paid £40 december and £40 jan and have another 4 months to pay. Heres my problem,my car at present is in pretty bad shape and i think theres something seriously wrong with it,its going to be looked at this week but im dreading the cost and also the garage saying its not worth being repired!! Where do i stand with this loan,would mobile money accept a settlement figure to clear what i have left to pay? and what roughly would it be as im unsure what i owe just that i can pay as previousley discusssed. This is making me ill at the moment,i dont know what to do. Thanks in advance:-)

Re: Received a ccj from tower capital!!! how did you get on with this? did they remove the CCJ. I have a ccj from them and was wondering if i offered full payment immediately if they would consider removing my ccj???????? Hi Apologies for the late response,i cpouldnt pay my debt back within the month so i emailed tower capital offering them a payment and have paid this since,the ccj was entered against my credit file and to be fair i also dont recall having a default notice,i was a little naive with the court papers,i should have dealt with it sooner but as i didnt understand it kept putting it off.Ive now got ccj,s and court papers coming out of my ears! How are you getting on with it?

Only just got this message thanks ) they phoned again friday and told me that my credit agreement was what i signed online and that was my agreement to the terms and conditions etc,i ended up having a very heated discussion,again the guy said i have to involve my husband and they wont accept any arrangement without his wage details,hoiw much the house is worth etc,i said id been given legal advice that they had no right tomy husbandds information,he said that my legal advice was wrong and they were and they are entitled to go to court and get a charging order on my house (the house is in my husbands name only) I ended uop literally screaming down the phone,telling them to stop harassing me or id report them,the guy put the phone down on me,they are the worst people ive ever dealt with,please be aware!!

Ive tried to come to an arrangement but they want details of my hudbsnds wage etc, its nothing to do with him, the debts mine, they just wont liisten, and keep phoning, ive specifically asked them not to ring my home number but they still ring it:-(( its really upsetting me ive asked them to take me to court as im upset about the interest added as there stating i owe £1600 for a £600 loan and ive already paid back about £600 over a period of time, ive asked for credit agreements, financial statements but havent been given them, ive tried emailing gothis who passed it to opos but they wont anser me either:-(( i really dont know what to do next, im done with dealing with threatening bullies!

Hi I asked these guys to take me to court but they wont,there continuing to phone me on both my home and mobile number i have tried to discuss this with them but they wont have any of it they have requested my husnbands wage details and what he earns,ive told him im not giving them this but they wont listen,the guy is very agressive and told me i had to cooperate,im frightened he,s going to tell my husband about this as he has threatened to,please help i cannot cope anymore,how can i stop him phoniong me

Hi Thanks for your quick replys,Robjam the debt was originally wonga/same day cash they passed it to gothia who have now passed it to opos! Im unsure of the original loan as its was some time ago,i think it was £700,i defaulted and made 3 payments of £189,then defaulted again and it was then passed to gothia who i made a few payments to a couple for £75 and about 2 or 3 for 30,i know it sounds bad andi was getting more on track until this! Opos have just emailed me saying they are taking it to court as i am relyuctant to disclose my husbands information,im not being funny but it is none of there business the debt has nothing to do with him and im not having him dragged into this,i was more than willing to provide my information untyil they asked for hubbys I also asked opos for a copy of my credit agreement over the phone and was told they are not there to provide it,i want some proof that i owe this debt,i know i do and im willing to pay it but i also want to know where they get there figures from! to my reckoning ive paid back approx £800 but still owe £1500 for a £700 loan:shock:

Hi Ive at present got a problem with an outstanding payday loan,the loan was previously with same day cash and i defaulted,they tried to make arrangements with me but wanted £189 a month for 6 moths for an outstanding loan of approx £700,i agreed and paid the first three payments but could not stick to the plan,never heard anything for months until i got a call from gothia they had my loan and again pushed me into making higher payments than i could afford,this time they said i had to pay £75 a month for 6 months and this would clear the debt,again i paid for about 2 as couldnt stick to it and they wouldnt help me,after that heard nothing until i recieve a letter from a company called opos they have my debt from gothia and want full payment of £1500, I rang them and had a very heated conversation on the phone with somebody who told me i had until wednesday to decide if i pay over 10 months or half the balance by end of this month approx £750!! I explained i could not afford it and could only pay approx £25 as im still paying others,he said it wasnt good enough and asked me to give them details of my i and e,i was happy to do this until they involved my husband asking what job he does,how much he earns and wether he owns the house we live in! i explained i was not giving that information as the debt is mine alone and i dont want him involoved,he then said i would have to disclose it in court which is what they would do if i didnt pay the amount they want I came off the phone and started to think about it,after a chat with a friend she offered to lend me £500 but said she couldnt until after xmas,so i enmaile opos asking if i could pay the £500 previously offered by gothi a over 6 months to clear the debt and if i paid £25 nov and dec and the rest in the next 4 months which my friend would lend me oin a monthy basis,an email came back saying previous offers are now void and either i pay £750 by end of nov or £10 payments of £150,i cannot afford either,please can somebody advise what to do next,i have until this evening or further action will be taken SORRY FOR WAFFLING X

Hi I contacted tower yesterday and this was their reply: Thank you for your email, the contents of which have been duly noted. Your current County Court Judgment balance is £286.00, however in order to assist you in clearing this balance as soon as possible we can present the following options available to you; 1) A full and final settlement figure of £164.00 to be paid within 7 days in cleared funds. This would mean that you will benefit from a large discount in charges to the sum of £122.00. You can also apply to have the CCJ revoked once this payment has been received. This would mean that there will be no record of a CCJ in your name. 2) Two monthly instalments of £100.00 with the first instalment also being received within 7 days in cleared funds. Upon receipt of the second instalment you can apply to have the County Court Judgment satisfied. 3) Monthly instalments of £50.00 however please be advised that this will be until the full County Court Judgment balance is paid. Please contact us by return email or by calling to the office on 01202 203180 within 7 days to discuss the options available to you. Regards Chloe Dorward Litigation Department On behalf of Tower Capital 01202 203180 I want to do it in 2 payments,wish i could do it in 1 but cannot afford it,just wondering if it seems reasonable of them and if anyone can advise if this is the best way as i just want to get rid of it. Thanks in advance Petal x

I dont recall having a default notice,just forms from the court who have been very unhelpful with what to do next,im going out of my mind at the moment as this is all new to me,all i want to do is try to come to an arrangement before i get visits from baliffs:!:

Thanks sorry for getting wound up just so worried,never had a ccj before. If i spoke to tower capital then and offered repayments do you think they would help? ive tried before to no avail,hence the ccj,i originally borrowed £150 and paid off £40 on an original payment plan i couldnt at the time keep up with, i now owe £286 with court costs!!,wish i could have paid it off a few months ago but couldnt,i can afford the original loan amount but no more this month.Thanks for the advice )

OMG,HELP!! I just want it paid but i cant pay the full amout this month,can i offer something to tower capital? i responded to original letter on line but apparently i responded to the court instead of tower capital and by the time it had been recieved was out of time limit,the judgement is on my credit file and was placed on the 29th Augusti dont kno where to go from here.

Thanks today i recieved another letter with details on paying £35 to have it set aside,it also contains a form to fill in,i desperately need to sort this but dont know what to do,i could probably be able to afford half the bill this month but cannot pay the full amount,i cannot believe tower capital have done this when i have tried to come to an arrangement with them,it wasnt even sent to debt collection?!Please can anyone help,how long have i got before someone comes knocking on the door?! im in such a state,please help.