I have 3 payday loans that motormile are chasing me for and last week set up a payment plan with them on continuous payment authority. Now I am worried they will take more than the agreed amount when my wages go in. Did I do the wrong and if so how do I stop the payments. I am think of using StepChange now . Thanks for any advice.

sorry I meant 2008.......typing in a rush as usual, sorry for any confusion

It says in the PC performance agreement 6 weeks? and it was bought from Pc World quote.....'if your product cant be fixed or takes longer than six weeks to repair you may request a replacement product' Who do I contact about the replacement?

Hi It was purchased on 20/3/10 and the credit agreement was for 48 months..... I just wondered what happens to the credit agreement, does that start again or do i keep paying that as usual? It was picked up from me on March 24th, the original phone call to PC Performance was placed on on 22nd March which is 6 weeks on Monday. I am a student nurse so have been stuck without it although I have been able to use Uni computers, when you have done a 12 hour shift you just want to get home not sit in the library! When can I ask for a replacement is it on the day the first phone call was made or the day it was picked up?

My Asus laptop has been away for repairs for six weeks next Wednesday, apparently they are still waiting for parts! The hinges had broken through the plastic casing on one side and the lid wouldnt open or close properly...anyway just wondering if it doesnt come back within the six weeks and I ask for a replacment how does it work if the laptop is still being paid for monthly, will I lose out at all? It has 24 months left on a 48 month agreement. Many thanks for your help

Hi Guys Just want to say a massive thank you for all your help and advice, I did everything you suggested and what do you know....it worked, although its not passed back to the council, the bailiffs have now agreed to our original request of paying £50.00 a fortnight which we offered last November! So all the stress they have put us through has been for nothing basically but once again Thank you so much.....I can sleep tonight now

Thank you Kelcou, email on its way first thing in the morning! I dont think I have anything that would assist, unless you can count 3 teenagers as a disability? My husband is a self employed window cleaner, totally dependant on weather....that was fun in the snow a few weeks ago, when we were down to our last ten pounds! I am a student nurse until May when I qualify, I have already been offered a job to start in June, so no proper wages until July but then at least I can start to sort out the debts we have incurred whilst I have been training for the last 3 years. The NHS give us a bursary but that only just covers our rent with about £3 left out of it, we get family credit but most weeks struggle to pay everything. I wouldn't mind if i had lived a lavish life for the last few years but we don't go out and rarely buy anything We don't have credit cards or anything on credit, maybe I am going wrong somewhere?

This is what I have so far.........one question though if it is invalid now, what should I expect to happen now? Following a visit from one of your bailiffs, a Mr ******, I am writing to inform you that I have been advised that the WPO on our property is invalid, firstly because the first bailiff made a levy on our three piece and dining room furniture, if both of these were taken we would have nothing to sit on, and secondly because listed on the WPO was a laptop which is owned by my son in law and I have the receipt to prove that fact. I am attaching a copy of the receipt with this email. Therefore the items listed will now not cover the amount of the debt, which again I am also advised the WPO should cover the amount of the debt plus your extortionate fees. For todays visit we were charged £180.00, is this entirely correct as it seems very excessive? Therefore I expect that this WPO to now be deemed invalid. We also asked that we could pay £50.00 per fortnight originally but you stated that only £500.00 per month was acceptable, this amount leaves us with no money for food etc. I look forward to hearing from you confirming that our offer to pay £50.00 has been accepted or that you will pass this account back to the council.

Could someone help me draft an email to Rossendales please, I know what I want to say but I am struggling to put into words that sound reasonable?

Would it be the District or County Councillor that I email?

Thank you all, you have been so very helpful. I felt so helpless a few hours ago and thought I would come home to an empty house tomorrow....I still might but at least I know I have put a bit of a fight Will keep you all informed and Thank you again.

Its West Lindsey DC, I have just spoken to them and they wont take it back, the have told me to contact the bailiff and see what the minimum is that he would accept....already done...He said this afternoon he wants all the money or goods. Have got a copy of the WPO and am just trying to write an email suggesting that it is invalid etc.etc.

Thanks you so much, I am going to try to ring council now and scan this WPO so I can email it too. My 3 piece was second hand three years and cost £50.00, so not worth anything

I have tried to contact the council and inspite of several emails and letters they have not responded, I said to him about having a letter with a time and date on it and he said he didnt need one! What are the implications of having an invalid levy? should I be ringing him or something?

Can he take other stuff that is not listed on the WPO?