Thanks all for the input. Much appreciated. I will send a letter to them disputing this.

That's not the same company - it's a different address.

I received a letter from Capital Credit Management Limited about a payday loan that I took out with Payday Express. I originally offered a payment plan to Payday Express and they never responded to my terms other than asking me to telephone them. Now it seems this company have bought the debt from PDE. On the top of the letter there is an email address - contactus@payccm.com I have written to this email address but the email could not be delivered. I looked for their web address which was on the letter - www.payccm.com but it doesn't seem to exist. I want to send an email to them to offer a repayment plan but I'm confused as to why their email address/website doesn't seem to exist - anyone know why or how I can contact them other than writing a letter? Thanks

Thank you, was hoping for an email but a letter or phonecall will have to do I guess.

The court have asked me to contact the solicitors to confirm that the payment has been received in full. Once they received the letter they said they will update the court records.

I need to contact DG Solcitors as although I have paid a CCJ it is still appearing as if I haven't on my credit file. I need to request a letter from them stating I have paid in full. Does anyone have an email address for them? Thank you.

Hi, thanks for your reply. I just checked and it is showing as the default date as October 2006 so that must be why it is still there. To be honest I don't recall if I made a payment or an offer prior to October 2006. So would I be looking at this being removed in October 2012?

I am looking to repair my credit file and need some advice please about a couple of things... The first issue is that in 2003 I took out a loan and I wasn't able to pay back the amount a few years ago and defaulted. Although it has been over 6 years, this still shows on my experian credit file (as a default) and I can see that it was updated in February of this year, I'm not sure this is quite right? Is this date - 'updated' the date of default? If so it is incorrect. I think this should now be removed from my credit file but I'm not sure why it isn't or indeed how I can get it removed if I can? The second issue is that I have a CCJ against my name. On my credit report it is showing as unsettled, however I paid this off a couple of years ago. I have written to the court and they advised me to write to the creditor/their solicitor, however I am not sure who to contact, I paid through an alternative court to a baliff (not Northampton County Court where the CCJ was issued). It seems to be lost in the system somewhere?? the credit card was with HSBC, does anyone know who I should contact? Many thanks.

Also I have just noticed a text from them informing me that my case will be passed on to door to door collection at 5pm today.

I have payday loans that I have defaulted with recently. They are: Wonga Payday Express Capital One Finance I have written to them using a template I found in the consumer forums. I have received my first reply from Capital One Finance: - Thank you for your email. We will not be accepting your offer of repayment of £28.98 over 12 months. Your balance is £595.00, this is due to fines added to your account as its in default it was also stated in your contract that you initially signed that fines would be applied if the contract was breeched, Key Information If you default, our tariff charges are as follows: We will charge You the sum of £25 for missing the agreed payment. We will charge You the sum of £25 per letter for The first, second, third, fourth and fifth letter that we send to you in respect of the collection of any outstanding sums on your account. If You are in arrears for 14 days after the agreed due date, 39% of the original Amount of credit will be applied to the account. You must pay us any reasonable expenses and costs that We may incur in tracing You if You move address without first notifying Us. In addition, You must pay us any reasonable expenses and costs we may incur in taking other steps to enforce, or attempt to enforce, our rights against You under this Agreement, and You will be charged simple interest, both before and after judgment, at the rate set out above from the date payment falls due until payment is made. We can negotiate on these fines to reduce your balance and arrange a payment plan for you however we will need this paid on a weekly basis and over 6-8 months. Once a plan is in place I can freeze your balance and prevent all calls and emails being sent I will also need for you to complete the attached income and expenditure form and return to myself. Please Advise (Name of member of staff) I then received the same email again with a very detailed income and expenditure form attached. At the top of the form it stated this: Income and Expenditure Form As you have applied for a payment plan with Capital Finance One and want to spread the payment over a Period of over 8 months we need to complete this form and either E-mail or fax it back on 08447707944. One this has been done it will be assessed by our collections department and they will then be in contact with you. What do people think is the best course of action here? I'm reluctant to spread the payment plan over 8 months or pay more than 1 months interest and the amount borrowed - I read in the forums that it's best to stick to your guns. I don't want to offer what I can't afford either. I'm also wary of sending the income and expenditure back. Please can people offer me some advice: Is it best to stick to my guns and only offer my original offer over 12 months? Should I send the form back? They mention a weekly payment plan, is that possible by standing order? Thanks to anyone who can help. I'm feeling after a difficult time with pay day loans I'm starting to take back control of my finances.

I was due to be paid today, however there has apparently been some problem with overnight processing of some payments - Lloyds TSB tell me. The best they could do is take my details and tell me that my wages might be in by the end of today (they were trying to push the processing through an alternative way) but that they may not be processed today and that I may have to wait till Monday (or late Sunday). I checked my account at the close of business and my wages have still not gone in so I'm presuming I have to wait till Monday now. I am very annoyed at their incompetance particularly as I had things planned for the weekend, not to mention I had booked a day off work today to do things (which I needed my wages for). I am paid by BACS which has gone through fine at my employers end. Does anyone know if I can do anything about this situation? It seems so unjust that they can not do anything about this particularly as the problem seems to be at their end. Any advice is much appreciated, thank you.

Thanks for the advice, I have just applied for a basic account with Lloyds TSB. Do you recall how long it took before you heard back from them? So my next step should be to write to my creditors and tell them I am experiencing financial difficulty and tell them what I can afford to pay with a breakdown of my expenditure? Did you manage to get the interest frozen kitten? That's a real concern with it being so high.

Thanks so much for the info. It does help knowing what I have to do now to sort this mess out. I think I'm going to approach The Co-operative Bank and see if they can open me a basic account. I cant go with Halifax from a previous loan with them :/ That's the same with me - they don't show on my credit report either (at the moment). Hopefully, if they agree with my proposal and freeze interest I will be able to clear this debt in 6 months. Does anyone know where I can get a template for a letter to send to my creditors to ask them to freeze interest and propose what I can afford to pay back to them each month? It would be good to know how other people have got on in this process. My worst fear is they won't freeze interest.

I have another account with my bank - a basic account. Do you think it's worth gettting my wages paid in to that account? If I incurr fees from my bank for not having the funds in when Wonga attempt to collect could they in theory take the money from my basic account? I have been doing some research and I think a DMP might be the best option for me. Do you think I would have some success in freezing interest and paying my creditors back the money I owe them over 6 months? Has anyone been successful in getting the interest frozen on pay day loans?? Thanks for the advice.

I have got myself in to a real mess. I have been using payday loans for around 6 months and can't seem to break the destructive cycle which has been made much worse due to me moving cities to start a new job (the moving costs/overlap in rent has caused me to lend more money). I currently owe aproximately £1200 (will be over £1300 by the time it gets to collection date) to Wonga which is due to be collected from my bank account on 18th December and I owe Payday Express £500 which is due to be collected on 16th December. I get paid on 22nd December so there is a gap of 7 days for Payday Express and 5 days for Wonga. I take home £1600. What has been happening for a couple of months is that I pay off the loan in full and then I have to borrow again to have money to live on. Its becoming a nightmare (the interest rates are draining me) and I know I'm stupid for getting myself in this mess, I just couldn't see another way of raising the funds to move and start my new job. Even worse, to extend Wongas loan I have to pay 10% which I can't afford to do so they will try and take the money and I won't have the funds and will then be charged for being over drawn and for not having sufficient funds which is £25 and £35 with my bank - Santander. I'm not sure what the score is with PayDay Express, was going to call them?? I really don't know what to do about this situation that is fast spiralling out of control. I don't want to get a default on my credit file as it will be much improved next year (I currently have a poor credit rating) and I want to try and get a mortgage in the next couple of years. Is there some way of freezing the interest and agreeing a lower monthly repayment plan without defaulting? Any advice would be much appreciated as I really don't know what to do.