@echowitch They do sound very bored whilst speaking to you on the phone... and show no empathy nor give any sort of customer service... :x:x:mad2:

Teaboy2- many thanks for your advice... I am going to request the CCA and will post again once recieved.. Also will have to question the charge quickquid have added. It's so fustrating as all I want to do is set up a affordable payment plan with quickquid but they don't want to know.

Hi all, I have also been foolish enough to get involved with payday loans and now have found myself in debt with payday uk, payday express and quickquid. I have been trying to arrange a payment plan with quickquid but they are the most unhelpful bas***ds on this planet. The guy at the other end of the phone said he cannot set anything more than three months and after a long conversation he stuck to his guns. I have rang payday uk who are willing to help but want a £60 payment upfront... Here is where I need your lots help pleassseeee... 1) Quickquide have charged me a late payment fee of £12, are they allowed to do this? 2) If I pay payday uk the £60 upfront will they try and take the any other amounts from my debit card? 3) What’s the best way to get all these payday companies to reduce the interest on the final balance due? Many thanks