All i have had from M Hall are a couple of letters threatening court action and a series of email replies saying they cannot accept my offer. I am not sure what to do next. Do you really think that phoning and speaking to someone will help? They've been adamant up to now that they cannot accept my offer.

Hi Blythe spirit... Once you take control you will feel so much better....we've all been in similar situations so do know how you feel right now. First thing you need to do is cancel the card the payday companies have on file....just call the bank and tell them it was lost or stolen. It is advisable also to get another bank account altogether just to completely safe guard your money. You can either call the pdl companies and tell them that you have a change in circumtance and need to set up a payment plan, or like me, wait until payment is just past due and email them. Be very firm and only offer what you can afford to pay each month. Take a good look around this site, lots of very good information and if you like i can send you a copy of the standard email i used when i first decided to take "action" Please don't worry and stay in touch to let us know whats happening Shanti

Hiya Tink.... Like Benjani, it was about 4 months before QQ passed me over to M Hall. I gave up replying to QQ's regular emails....but kept copies of all the ones previous that had my offers of payment. I had several phone calls too, but either ignored or hung up once i realised it was them!! You just need to hang on in there....your turn will come!! I am still waiting for Mackenzie Hall to respond to my last email....will keep you posted on developements. Shanti

Try not to worry too much about Wonga....just stick to your guns and insist on everything in writing. There are several of us on here who have successfully managed to set up repayment plans over 12 months. I am paying back the original loan plus the interest they would have charged for that........no further charges or interest have been added. Good luck!

Thanks for all your advice... I received another email today offering me the chance to spread payments over 5 months....i wrote back that i could not afford that and again offered my "terms"...am still waiting to hear back. It seems strange that you can only pay over the phone or via Mack Halls website...is this just their way of getting more money from us at £1 a time? Does anyone know if they have a bank account to enable me to pay by standing order or over the counter? (if and when they come to an agreement that is) Thanks again everyone Shanti

Thanks for the tip Benjani. I might give that a go in another month or two!....or maybe after Christmas on second thoughts!!!

Thanks Benjani....i feel the same as you...if i had been able to pay QQ in just 3 installments, the debt would not be with Mack Hall now! If it's ok with you, i might borrow wording from your email. Shanti

Thanks everyone... Cornetgirl, it was John Hegarty who sorted it out after i blasted them...so you are spot on. I'll go straight to him if they make any more mistakes.

After several months of QQ refusing my offer to repay (unless it were in 3 installments), they have finally passed me over to Mackenzie Hall. They have also just refused my offer to repay over 12 months which would actually clear the debt.. (this is all i can afford as i am paying of other pdls as well) Below is the email they just sent.....any advice please guys?? Shanti Thank you for replying regarding your Quick Quid account. Unfortunately your proposed payment plan of £xx per month has been declined as this will not halt the legal action pending on your account. As you are aware your Quick Quid account is a Pay Day Advance repayable within 30 days of borrowing and, having signed a legally binding contract stating the funds would be repaid within this timescale, you are now in breach of this contract. Your proposed payments of £xx per month would take 12 months to clear most of the balance which is unacceptable. We can, however, offer a 3 month Payment Plan to clear the account in full - £xx per month. This is strictly the longest term available for repayment. Any payments made to this account under £xx will not be refused but will be classed as token payments and will not prevent the legal action from going ahead. Please be aware legal action involves an application being made for a CCJ (County Court Judgement) to be applied to your credit file and if employed, an Attachment of Earnings can then be enforced with no negotiations for repayments. If unemployed, then a Warrant of Execution would be issued for Seizure of Assets amounting to the outstanding balance. Please note, any Legal Costs & Interest will be added to the outstanding balance with yourself being liable for these costs. We would much rather come to an amicable arrangement on this account but unfortunately have no option but to pass for Legal Action if the required Payment Plan is not met. Please contact myself or any of my colleagues on the number below to discuss this account further. Yours Faithfully,

Thanks for the reassurance Jamie

Over the past several months i have managed to set up arrangements with all my payday loans except QQ....have given up replying to their automated emails now... However, i am slightly concerned with Wonga.... I have been paying them off each month, on time as per the agreement and yesterday i received a message and an email from a DCA acting on their behalf. Have blasted them by email and copied wonga who now say they will ask for the debt to be returned to them....but i am now suspicious....remember this is wonga i'm talking about! Should i be concerened do you think...or should i continue paying as agreed? Thanks in advance Shanti

Great advice from jellycubes. Keep us posted here and we can guide you or advise as appropriate. Time to take control!!!

Keep us posted of your progress gibby. I'm currently waiting to see what action QQ are going to take as they have refused any offers i have made....and i know i'm not the only one. It's great that we can all support each other here.

Just noticed Jamie recommended emailing: errol.damelin@wonga.com That seemed to provoke a response when i tried.

Hey wayneg1... if you cannot manage qq's payment plan then just wait for them to pass you over to their debt collecting agency......thats what i am waiting for now as well. My proposed payment offer was not good enough for them either! Also be very careful NOT to give them your card details.....if you do not want them taking money from your account and if you haven't already, you need to "lose" your card.

Yep, lovely!!! But hey, we can do pretty good emails ourselves now !!!

Lovely message jellycubes.....and good, sound advice. It's may seem frightening before you take any action, but once you do, it gives you control over the situation. Am sure we've all discovered that it's not nearly as bad as we were dreading either! And again to second what jelly as just said, we are all here to support you as best we can.....we are not alone. xxx

Going back to the question on credit files... I just received this from paydayuk "Please be aware that we use a credit reference agency.....if we do not set up a suitable payment plan by the end of the month then we will share this information which could have a negative impact on your credit rating and could impact future access to loans with us." I have already heard from them that my offer is unacceptable and am waiting for it to go to a DCA....but can they actually mark the file adversly? Am not particulaly worried, just curious to know what they are allowed to do.

They do not have use of my card anymore...i "lost" it you see and am now using another bank acct!!! And yes...they have just about had most of the original loan back in roll overs. Am interested to hear if anyone has any answers to zarlaks question.

Me too!

So good to know we're dealing with them together cornetgirl!!! and i think they do know their elbow from their backsides, they just hope that we don't know the difference.

Thanks Ell-en This is actually the 4th loan....the original one having been rolled over Is it worth requesting the CCA then?? Sorry i am learning as i go along here!

I like that plan Zarlak! Will let you know what happens!!!

So sorry for multiple postings..have been having a few probs posting and now cannot delete!!! I blame QQ!

Well QQ are not accepting my offers...and their is not acceptable for me... "If an acceptable payment arrangement is not made, your account will be subject to third party activity. Please note, we do not accept standing orders or giro slips. The acceptable payment methods we use are Bank Account, Debit Card, Paypal/Credit Card, Bankers Cheque or Cashiers Cheque." So i guess i now sit back and wait for this 3rd party activity???