My boss at work keeps telling me to apply for an AMEX corp card so that my travel expenses at work can be charged to it rather than me have to keep asking for advances before I travel. The thing is I am in a DMP and have not told my work about this. If I was to apply would this be a problem with the DMP company(cccs) and also would amex run a credit check on me like a normal card application or is it different because its a company card? Its a bit stressful & embarassing so any help or info is much appreciated. thanks

thanks vjohn82. do you think that the bank would be likely to honour these cqs - its A&L

Hi there, I recently had to default on pd loans due to change in circumstances. ( girlfriend moved out ) at the time asked bank to cancel card and reported some cqs missing. my bank has issued a new card and put a stop on all cqs issued that were presented. Now the bank has contacted me to ask if 3 cqs issued to pd loan company are genuine. I had asked the pd loan company not to bank the cqs and requested time to put a payment plan together. However they banked all 3 but now i'm not sure what to tell the bank. please can anyone help? thanks in advance

these charges are very high and fast. I read on the forum that you can cca a company to stop or dispute charges. Would this help given these circumstances? Thanks in advance forum mates!

i picked up the hardship pack. Its a info sheet asking for completed I&E form, aletter from a doctor or employer to support change in circumstances, 2 months bank staements and copies of any bills paid that do not show on the bank statements. Only on receipt of this info will they decide if they can accept an offer or pass me to onto their collections team. Please can you advise me on next steps? thanks

is the employer right when they say that the House of Lords ruling is a test case and that they still are deducting annual holiday allocation due to sickness?

I had to get a part time job approx 5 years ago to help with my finances. (The hours fit well into my main job which is mon-fri 9-5) Due to shift changes at the p/t job my hours were changed from 3on 3 off (4hours per day) to sat + sun (7 hours per day) effective from May 09. Due to an injury I was signed off by the hospital specialist from Jun09 to mid Nov(apprx 22 weeks). When I returned in Nov, the HR dept adv that they would put relocate me in a smaller work area to assist my return to work for 3 months and that I would report to the line manger for this smaller dept and monthly reviews would take place to see how I was progressing. I thought this was a good idea and accepted. The first review only happened after 6 weeks and during this review I asked for how much holiday I was entitled to as I was becoming concerned that vacation had to be taken by the end of March. My temp line manger advised that she would check with HR and get back to me. More time passed and I decided to contact HR myself as I had heard nothing back. Anyway HR advised that it was my line manager that should work out and allocate my holiday. I finally received a call advising me that I was entitled to 9 days for the year because I did not get holiday whilst out sick. I was really concerned at this because the HR dept at my main job had advised all employees that you DO accrue holiday for the whole year even if you are on long term sick. I decided to call ACAS and gave them the exact dates of my sickness amd also the holiday allocation for a normal year with my company seniority. ACAS advised that I was entitled to 12 days which is 3 more than I have been given. I tried to talk to my line manager about this and ....yes , you guessed it....... she told me to contact HR because she was only going by the employee handbook which was printed in Apr 09. I called HR and tried to explain the situation and was advised that they aware of the House of Lords case but this was a test case and that I had to abide by the rules in Employee handbook due to what I had signed in my contract of employment to go by company policy. The company allocated my 9 days over the last few weekends and I am due to return to work next Sat but I believe that I am still owed 3 days vacation. I'm so sorry for such a long e-mail but any advice would be much appreciated. Thanks you. Anyway the

does anybody have experience from dealing with money shop & does the hardship package have to be filled out rather than a normal I&E? Thanks

even though these high charges are in the terms, could they be challanged?

Unfortunately I have not got the funds in the bank to pay the 600 payday loan with money shop. They banked 2 of the 6 cqs and I delivered a letter to the shop advising change of circumstances and requesting 28 days to put forward a repayment plan. So far the branch has called a few times and now the head office is calling me too. I talked to the head office today and they advised that i would be charged 25 pounds for each of the 2 cqs banked so far and they would continue to bank and charge me for the returned cqs until I had filled out a Hardship application pack that could be collected from the local branch. They also advised that depending on their assessment of my details on the Hardship application that they may not accept my future offers of payment. Please can anyone assist me on the best way to handle? Thanks

Please could anyone help or advise on this payday loan firm? I had a payday loan with 1month for 150 and roll over fee of 45. Unfortunately, due to change in circumstances I could not pay the roll over fee of 45 on 26 Feb. I wrote to 1 month asking for 28 days to try and and put a payment plan together and also that I may need to talk to a DMP company like cccs. 1month e=mailed me back saying that their terms say that they would not allow a dmp but that I should contact them to make a repayment schedule directly with them. Well, its only 19th march today and I received a letter from 1 month saying that balance was now 296 !! (thats an increase of 101 in 20 days?? I called them today and they advised that charges will continue to be added until I arrange a repayment plan but no dmp. Has anyone had a similar dealing with these guys? Thanks in advance

This is a quote from PM Gordon Brown today. Does this mean that high interest payday loans will be affected too? hope so "And never again should banks and credit card companies encourage you to borrow more than you can realistically repay." Mr Brown went on: "There will also be new regulations and guidelines to stop irresponsible and unaffordable lending and there'll also be new cooling off periods for consumers offered new credit. Lenders that don't comply will face tough sanctions, like having their licences revoked."

these cheque loans were taken out at the local shop/branch. Please can anyone advise if its best to deal with the local shop or try and contact head office? Also is it best to call or deliver a letter explaining circumstances and asking them to freeze charges? Thanks - geez this so stressful.

thanks for the template. Some of these creditors are payday loan companies ( payday uk, wageday adavance and money shop) Do you know if they would be likely to freeze interest as i think it may take some time to pay these guys back - maybe 8 to 10 months. thanks

Hi everyone, I have some credit cards and a few payday loans that I can't afford to pay (even the interest and roll over fees) due to a change in personal circumstances. I wrote to my creditors asking for 28 days whilst I try and put a repayment plan together and also requesting that they hold off on interest and charges. I need to contact them again with an offer but not sure what info to send to all creditors. Do they need to see all other debts by name or just under categories like prioity debts , and other creditors. Sorry if this seems a daft question but am new to this and any advice is appreciated. Thanks

Hello, I'm quite new to the forum so any advice is much appreciated. I have some payday loans with companies like money shop, cash converters and Harvey and thompson. I have been rolling over these cqs for past few months but due to change in circumctances I cannot afford to do this any longer. This month I cant even pay the interest. The chequres are being presented over the next few days and I dont think my bank will pay them due to insufficient funds. I hav a letter to deliver to these shops in the near future asking for 28 days no interest or charges whilst i try and put a repayment plan together. Please could anyone throw some tips or advice my way as to what might happen and also best way to handle? Thanks

can you recommend a good template and also should the letter go to the original cc company or the company they passed it on too? eg my Amex debt is being paid to RMA resolve. Thanks!

Hello! I'm quite new to the forum and have already seen loads of good tips and advice to tackle my debts. Please could someone point me in the right direction or advise on the following: How do CCA requests work and how do I know if they are enforcable? Also, if I am on a DMP can I still write to the creditors/dcas or are they likely to get annoyed and start to gharge interest and fees again? Thanks in advance

Thanks for the reply, my current balance is 35k and i pay 275 per month. my pd loans are 5k with monthy interest of 920 and i was constantly rolling these over as could not afford to settle,

Hello, I'm new to the forum but would like some advice based on my current situation. I have an existing dmp with cccs. Due to illness last year I (stupidly) took out some payday loans to cover monthly expenses. Due to a relationship breakdown, I now have to pay all my priotity debts by myself and the dmp. I had to default on the payday loans this month because simply could not afford to pay. I have written to the pdls asking for charges to be frozen for 28 days while i try and put a repayment plan together. Please can anyone give me some advise on best way forward? I have read on here that cccs are not impressed if further credit is taken out and was thinking of moving to payplan but not sure if they would handle pdls. Sorry to write so much stuff but its a mess at the moment Thanks in advance!

Thanks for the info. Early Payday - EPDL just wrote and advised that they will add 25% default interest and that if passed to a debt collection co it will be 27%. Please can anyone help that has had dealings with these guys in the past? Any info is much appreciated.

Hi there, I have read some info on payday loans like PDUK QQ PDExpess but does anybody know what the problems or tips would be if you are not able to pay back cheque cashing loans like Harvey and Thomson, Cash converters or Money shop. Thanks in advance!

Hello, Unfortunately, I have just had to default on 6 payday loans due to change in circumstances. My debit card has been stopped and I have sent holding request to the companies requesting no charges or fees for 30 days whilst I put a repayment plan together. The calls were non stop Mon and Tues at work and on my mobile. Some hav come back to me saying that they will not deal with a DMP but would accept a payment offer although not sure if they will ask for huge amount. Any advice on how to proceed and next steps are appreciated. Please help. Thanks