Hi, I just got a letter from these people sent to my work place. It's the same as the one they sent to my home address a few days ago. My question is: is this allowed? It looks like a clear attempt to embarrass and intimidate somenone.

Hi, I missed my chance of paying a county court order made against me within 30 days. I now got a letter from the Northampton County Court saying: "To All parties. This claim has been transferred to the Barnet County court for enforcement." Does this mean that I will have bailiffs turning up on my doorstep or someone calling my employer? I'm willing and able to pay the debt in full by the end of this month, but am worried about the possible embarrasment of employer finding out. Any help or advice would be very welcome.

Some of these companies will insist on taking your card details so they can set up a payment plan. Whatever you do, don't fall for it. If they have access to your card, they can and will often take whatever they can regardless of any agreement made. My advise is to get a couple of prepaid debit cards which you load just before making any payment.

Yes, keep pushing for bank details and don't give out your bank / card details. Good luck!

Don't give them your card or bank details. I had an agreement for £60/month (£533 balance). First month went ok, second month they took £583 in total. No explanation was given and then plain rude and arrogant attitude when I asked why. The best part is that I had an agreement in writing from the account manager (see below) I tried to contact this person by email and phone, but no luck. I can't stress this enough, don't trust them and don't give them your details. Btw, I have dealt with a Miss Patel, Mason and Gareth

Thanks, So how do I go about doing this? I'm not hoping to get the money back, but I just don't think these people should feel like they can do whatever they want. What annoys me most is that I was upfront with them, contacted them before defaulting, made a reasonable offer and stuck to the agreement. And still got stuffed. They claim that the original agreement overrides any agreement made afterwards. Any thoughts on this?

Turns out that I was being overly optimistic about this. I had an agreement (in writing) with Speed-e-loans for £60/month as long as I paid on time, which I did twice. Checked my account this morning and it turns out that they have taken the full amount of £520. They aknowledge that a mistake was made due to their automated system but there's nothing they can do. The person I spoke to stopped short of laughing at any agreement made. This obviously leaves me in a hole with my other creditors. Important lesson learned: Don't EVER give card details when agreeing a payment plan. God knows why I did. At the moment I'm so angry it's hard to think clearly. Is it worth reporting them to Trading Standards? Or reporting the transaction as fraudulent to my bank?

Hi, I would say: 1. Get a new bank account (Coop and Halifax offer basic accounts that should cover most needs) and report your current card lost or stolen. 2. Make sure your company gets the new bank details. 3. Approach your lenders before due date, and in writing (email should be fine). You can find template letters on this site. 4. Attach an Income & Expenditure sheet. 5. Make reasonable offers. 6. Answer your phone. Most of these companies are willing to come to some sort of agreement. Also, write down your offers and stick to them. Good luck:-)

Spoke to someone else at Resolution Recoveries who was very friendly and helpful. No problem getting bank details and paying by SO. 3 down and 1 to go... No response from LendingStream despite a resend of original email + documents. Welcome Finance on the other hand...

Update on my payback plan. LendUK finally responded to my proposal by phoning me. It turns out that they couldn't open the attached documents and asked for them in PDF format. No problem. About an hour later I got a text from Resolution Recoveries saying: "Call Resolution Recoveries to halt agents calling at your home and work on Friday 4th February at 2.30 there will be a charge for this action." So I called and asked what they were doing. Oh, we just want to setup a payment plan...

Most of the PD companies use automated systems that can be set up to collect payments at any time during the day. 4 or 5Am is a popular choice. Continues tries is also an option, where the system might try every 2 hours or so. I think the reason for people advising against signing up for a DMP, is that a lot of these companies will charge you a setup fee and then a monthly management fee (15% is common), making your repayments take longer and could end up costing you more. There are some free ones that you could try, if you think that doing it yourself is to stressful. Just remember that they can't physically do more then what you can. My advise if you decide to tackle this by yourself is to: Get organised, keep a spreadsheet detailing debts, proposed and accepted payments. when and how payments are made and any notes taken from phone conversations. Insist on getting agreements in writing. Setup a dedicated mailbox for emails between you and creditors. And finally, and this is important: only make realistic offers that you can keep. Btw, one thing that I have done is to make payments using prepaid cards if the PDL doesn't accept standing orders. There are quite a few out there, and most of them can be loaded from your bank account online. That way you only load what's needed and if they try to take more, tough sh*t. I'm currently paying back 4 PDL's and 2 of them won't accept standing orders.

Btw, a woman from Welcome once rang me, introduced herself as xxxxx and then came out with the following: "I'm calling from the LAW Department, please excuse me for sounding out of breath, but I've been out on repossessions all morning"... Me thinks she was trying to intimidate me...

So here's the update: Speed-e-loans accepted my payment plan and so did PrimePayday. In fact, they both got back quickly and were very helpful. Both of them froze interest and waived any charges. LendingStream and LendUK have yet to reply for some reason. However, LendUK texted me telling me that my payment didn't go through. Thinking of re-emailing them with the same letters. Also, I'm planning to reduce my Welcome Finance £300/month payments to £225 (original payment including PPI) . I'm expecting my local branch to tell me how much of a favour they are doing me (defaulted on the loan a couple of years ago and am now paying of the capitalisation charges. Paid over £5000 in 2 years with close to £4800 left... on £2500 loan...) by not taking me to court. And then flatly refuse the request. The way I see it, is that the only thing they can do, is to take me to court and demand that I cough up the outstanding balance. If they do, I'll agree to a payment plan with the court, a payment plan that has frozen the capitalisation charges. I will however stick to my guns. Any advice in how to deal with them?

Cool, thanks for the advice. I'll keep you guys updated on my progress.

Hi guys, Like so many others, I've fallen into the payday trap as well. At the moment I have loans with Speed-e-Loans, Lendingstream(2), LendUk, AdvanceQuid, PrimePayday and Cash Genie. I can just about pay them back each month, but I keep having to reloan each month in order to keep up with other bills and rent. Not good, and obviously my own fault. I had a look at a couple of Debt Management companies to see what they had to offer, but have decided to sort this myself. My question is: How should I go about this? Do I send out letters to these companies before defaulting? Should I do it by email or post? That sort of thing. I feel pretty confident that I can pay this off in 6 - 8 months and then NEVER EVER again8-) Any ideas or comments would be welcome.