I was in a very similar position to you last summer - I found Payday Express difficult to deal with as they kept badgering me to make a full payment and they wouldn't accept lesser payments without my providing a complete breakdown of income and expenditure which legally I didn't have to provide, in they end they sent my account to Frederikson International who are very easy to deal with and they set up a payment plan over the phone and I pay using my card so they don't have my details. With regards to WageDay Advance, I had no problem with them setting up a repayment programme, I spoke with Hayley Dunn in the collections team, they did charge something like £25 to set up the payment plan but again gave me their bank details so I was in control of the payments. Hope this helps but please let me know if you need any further help

Just wanted to let you now I have had both a phone call and an email from Wonga as below: " Firstly I wanted to reassure you that your debt has been repaid in full. We realise the website is giving you information that would suggest your account has been passed to Gothia. Please rest assured that Gothia will NOT be contacting you at all. I am in the middle of an investigation to find out what has gone on with your profile – but in the mean time please do contact me at any time if you wish to discuss further or you need me to help you with anything further. Thank you for making your final repayment and closing your account." However, the web still states my account has been legally assigned to Gothia..... will let you know if I hear anything else

Hi Nortel, I have also emailed the CEO Errol Damelin and the Head of Collections/Fraud John Hegarty asking for a response and indeed asking Mr Hegarty how a file was passed over when the final payment was not yet due and no other payments missed. I doubt that they work weekends but will post any response once received.

I have had exactly the same issue with Wonga, have been on agreed repayment plan and not been late or missed any payments, final payment due this month, July, been paid. I too logged onto my account to see the message that debt sold to Gothia and to make contact with them. I emailed Wonga and called them to ask what they were doing and was told that some accounts had been passed in error to Gothia. I then re-emailed Wonga saying that debt had been paid in full and asked them why there were passing incorrect information to third party agencies. I also told them they needed to ensure I did not receive anything from Gothia and requested them immediately to take back the file from Gothia. I am waiting for their response

Citicard passed my debt on my credit card over to DLC/Hillesden some time ago and I have been paying DLC £60 a month against the debt. Last year they kept bombarding me with postcards saying "please call this number it is urgent you contact us" and demanding I increase my payments which I am not in a position to do. I started a complaint against them using their complaints procedure and they backed off. Since then (June 2009) I have been trying to obtain copies of my statements and a signed copy of the credit agreement as I would like to reclaim excess charges on this account and Citi will not speak with me as they sold on the debt. I keep receiving the standard fob-off letter saying they do not have to produce the original credit agreement and to date have not received the statement copies to reclaim any charges. What can I do? Should I stop paying them until they produce the information?