Thanks & yes it was the balance tx I will pay it all off Cheers

Hi I appreciate the APR is high etc but that is for another debate. I have a Vanquis Card. ACCOUNT BALANCE Balance carried forward£110.01 Credits to your account£0.00 Debits to your account£125.57 Current balance£235.58 CREDIT LIMIT Credit limit£500.00 Available to spend£263.42 Your Next Statement Next statement date22 Jan 13 Payment due date17 Jan 13 Minimum payment£5.00 Last payment date Last payment amount£0.00 I'm confused with the whole procedure to say the least. If I pay the outstanding balance owing of GBP 236.00 then I assume my credit limit is backup to GBP 500.00? or do i have to pay GBP 110.01 ? and then the debits of GBP 125.57 will be carried forward to the next statement ?? What charges do i get? Will I get charges? Also, if I use the card from now until the 23rd Jan 2013 then the GBP 500.00 (If I am correct) is available... I will then pay the full outstanding balance at the next statement date? Do i get charges? Cheers Matt

For info I entered my details into the ToothFairy site and paid off my loan. Received a text stating all paid etc. Matt

Ok so is this that the licence has been revoked? etc

Hi I took a loan out from SpeedCredit. I thought I would get the option for 28 days but it seems I have only got the loan for 14 days. Today I received a letter stating Please note: IF you need to EXTEND this loan to 4 weeks you do not need to contact us I don't understand. Do I have to pay the interest after the 14 days period and the original amount plus interest in 28 days ? Confused! Thanks Matt

Hi Just tried to access the site at www.speedcredit.co.uk I get http://www.speedcredit.co.uk is unavailable or may not exist. Anyone esle got this problem? Cheers Matt

Hi, I applied for a loan with Ladder about 5 months ago and to be fair, thought I would be turned down. They gave me the loan albeit for £500.00 and yes the interest rate is high but I have been a high risk in the past. Once the application has been sent online, they do like to call you just to confirm your details (which i don't like) but hey, I got the loan over a 12 month period Yes I am paying double back but at the time I/we were in a corner and needed to borrow some money over a longer period than the Pay Day vermin of 30 days. Hope this helps. Thanks Matt

Hi, i have received the email confirming the repayment plan with full bank details sortcode, account number, reference etc. Here is the live chat ME: hi, you still there? ME: hello TXTLOAN TXTLOAN: Hello. ME: still not received your bank details via email to setup the payment schedule - please advise TXTLOAN: OK, what email address of yours are you looking through? ME: my email registered with TXTLOAN TXTLOAN: Please check the Spam folder. TXTLOAN: I've sent the email to that address ME: TXTLOAN, i have checked the spam folder since we had our live chat earlier, please try this alternative email ME: my alternative email TXTLOAN: Just a moment. ME: ok thanks TXTLOAN: Sent. ME: received thanks TXTLOAN - take it easy TXTLOAN: You are welcome once more. Do you have any questions regarding the repayment and the plan? ME: no sir, all will be paid on time, many thanks TXTLOAN: Great. In this case - enjoy your evening, ME! So, fingers crossed this should put the matter to bed

Ok, you got my attention No email received 4 hours later. Now on live chat....

no worries, I hope my post does help someone who is at their wits end about PD loan companies.

Q.Did you get this in confirmation by email or letter as you never actually stated you would recieve it.? Also, Make sure you are paying by Standing order only A. I have not received an email yet but when I now log into my account on the TXTLOAN website it shows a repayment plan schedule that was agreed over live text. Dates, amounts etc. Whats strange is a new poster with this as the solitary post praising a PDL. Could be something, could be nothing. However we have plenty of reports across the forum that show their REAL attitude I have been a lurking member since December 2010. Most of the info i needed was already on the forums so didn't feel the need to post. I thought this would be a relief to some people to understand that TXTLOAN are approachable. Also, its strange that they are very happy dealing with someone who is not the debtor and seems to have no previous authorisation to deal with the debt. I am the debtor? Where do I claim not to be?

Hi, got into a pickle with a few PD loan companies, Thought i would share how helpful TXTLOAN are over live chat when setting up a replayment plan. chat Hi, a customer representative will be with you shortly. Please specify the nature of your query. ME: HI, my partner is/was in her first year as a student nurse, she has completed all the exams and passed all but one. She has redone the exam three times and failed which has now resulted in her being kicked off the course. ME: This obviously is a big problem as the NHS paid her a Bursary every month which has bean ceased ME: I wondering if i can make an arrangement to come to some sort of payment plan with your company, i dont want to default on payments but i cannot possibly make the payment which is due by the 09/07/2012. I understand that this was not in the agreement but I do not have the funds to make payment when this amount becomes due TXTLOAN: Hello. Sorry to hear about it. ME: i know, life has more downs than ups lately ME: but anyway TXTLOAN: Yes, we can of course set up a repayment plan suitable for you. ME: thanks for your help, what time period can you offer me please TXTLOAN: You are welcome. Dates and amount of repayment is up to you. ME: ok, what will be the total debt i have to pay back as i assume there will be charges then i know what i am working with? TXTLOAN: Since you are reporting financial difficulties we will freeze the interest and you would have to repay standard 351£. ME: I would like to propose 70.20 @ 5 months = 351.00 TXTLOAN: Possible. But what date should we charge you on? ME: I get paid on the 20th of evey month ME: Do you accept bank transfers? TXTLOAN: Yes, we can accept them. I can as well send you our banking details. ME: what a help you have been, many many thanks, a big weight off my mind TXTLOAN: In this case we would need to set up the repayment date to be 23rd to give some time for the transfer to go through and be confirmed. TXTLOAN: You are welcome. ME: excellent thanks TXTLOAN: I will send you the email with all the details you may need. ME: If i do get any extra monies from anywhere i will send via the bank transfer early, ME: thanks TXTLOAN and TXTLOAN for understanding TXTLOAN: Sure, we will check the transfers daily. TXTLOAN: You are welcome once more. We always care about our clients and are going to resolve any emerging issues together with you. ME: thansk you , i await your email TXTLOAN: It will be there in 10-15 minutes. You are going for the bank transfer option then? ME: Yes please then if iget paid on a Sunday the money will transfer on the Monday TXTLOAN: I will give you 3 days time frame - it will cover any issues with weekends. ME: thanks TXTLOAN, TXTLOAN: You are welcome once more. Sending you the email in a second. ME: Excellent TXTLOAN: Done. Please review it and confirm that it is a suitable option for you. ME: i will check my email ME: do i need to wait for the email and confirm in this live chat or via the email? TXTLOAN: Doesn't matter. Choose what is more convenient for you. ME: ok, i will await the email as it hasn't arrived yet, once again thanks for your help TXTLOAN: You are welcome once more. Take care! So the upshot being, they froze charges etc and all I pay back is the amount borred plus the initial interest. Regards