Hi Gary1:) Do not deal with any of the creditors by phone, do everything in writing!!!! And now my question; I have send them a letter by land mail, by recorded delivery about 10days ago and letter has not been delivered, do they have a reall address or is it just a Box mai? I don't think is legal that any lender gives you a wrong address, is it? Regards

Hotscot, could you please be able to give me an example of CCA request you've send to them, I have mine from national debt helpline but I just wanted to compare if I haven't enclosed any important information in it... Thanks Kind Regards...

No worries hotscot there is nothing they can do before they provide you with your request, anyway they probably wouldn't risk to go to the court as they APR are so high and many people is struggling to pay them back,I believe it's not only me& you... Just wait for the reply, and do not answer any phone calls from them, but if you do, just say that you will only deal with them in writing, and that's your legal right to do... They can't take any money from your wages, even if you're very outstanding with the rent and council tax it is very hard for any creditors to get permission to take money from people wages, so how the hell they can? they just playing on your nerves...be strong!

Hotscot, Hun they always going to mess with you, until you show them whose the boss! Do not stop, just request another CCA and clearly say that you will not take any responsibility to pay back if they fail to provide you with your credit agreement, make sure to put this in writing and say that they have to reply within 14days (12+2); Little Lady, do not talk with them via phone, send them an email or letter that you'll only deal with them "IN WRITING'', and that is your legal right to do so. That's what I would do. Hope you will keep me updated with everything, as I'm just about to default my repayment next week and take an action in my hands, enough is enough and I'm not going to pay them any more money, I've made a huge mistake taking loans with them but I'm not going to do it again

Hi Little Lady and welcome Hun, Oh my God, you have paid this people a lot more money than you borrowed... You should ring up the national helpline or citizen advice b. to discuss an option of settlement account in full - writing off this loan, you have done the right step, but to be honest with you, pay day loan companies just taking money from your account without your permission if you don't pay on time, even if you cancel a direct debit... I don't think that it's legal, but they do anyway, so the best option now is to closed your old account and open another one. Hope this will help. My partner s had a loan with poundstillpayday and we s had a direct debit set up, however I have closed my account and I've canceled all direct debits, now I'm about to send them a letter but I'm so scared...

I don't know yet Sky Blue,I'll wait first how many of them will reply:confused: then I will contact a CCCS or National Debt Line toi check if this agreement is legal hun. Let you all now asap:)

That's right, Live is not so easy otherwise we wouldn't be on this forum, lol Thank you for reply and for cheering me up...I have an another account that they don't know about, so I will report my card as a stolen on Monday.I have some letters ready for them, so I will request a copy of my credit agreement and all details,such as APR and sum own to them & a explanation that I'm having difficulties paying... and that I will contact them with proposal arrangement as soon as I received a letter back from all my creditors (payday loans). Hope this will work as I'm sicking of this never ending interest and roll-overs.

Hi all, My partner has lost job, so I started to taking pay day loans to help me pay my bills etc., basically I'm in pay day loan circle and can't get out of it:/ it's a nightmare... I own about 1500 together, and probably paid already more in interest, rolling over every month. However I can't take this any longer, so I decide to make a payment arrangement with: Wonga, Payday Uk, Poundstillpayday, Mr.Lender, Wagedayadvance, Cash Genie, and Cash Choice. I'm so embarrassed! Anyway, could any one please help me what should I do first? Should I send a proposal letter and ask for CCA? I am so worried, especially Wonga, as I don't want so big interest being added into my account, I've paid Wonga part of the money I own, however my full amount of about 450 is due on the 4th april (I borrowed from them 350, rollover 3times, so paid 300 for just rolling over, and pay back about 80, and still own 450??!) I also paid poundstillpayday about 1000 interest during 6 months(loan 450) I'm in such of mess, and don't know what to do Please help Thank you