Hi sillygirl, yeah i opened a new account n cancelled previous card way before i sent emails explaining my financial difficulty. I have read too many horror stories on here to risk losing any money. Just glad to get it sorted. Icecream69

Hi guys, I have now had dealings with all my payday loans since i decided to take control of them.. this is what happened. I emailed all my lenders a week before i defaulted to see what they would advise me to do 247moneybox - owed £194 - they said they would accept a repayment plan as long a payment was made on due date wonga - owed £999 - they accepted a payment plan after i emailed all the top men (email addresses provided by CAG) over 6 months Quickquid - owed £400 - they agreed to a 3 month plan with a payment on default date Mr Lender - owed £437.50 agreed to set up payment plan if i paid fee to defer payment for this month PaydayUK - owed £500 - they will accept a payment plan over 3 months but after insisting i couldnt afford it they agreed it over 4 months Payday Express - owed £400 said no payment plan would be accepted and i would have to pay deferral fee I have advised all the above that i no longer have a debit card and payments will be made by standing order - all but quickquid provided the banking details and quickquid provided the address of where to send a postal order for the amount owed on default £50 I would definitely recommend doing this on your own - it is tough and sometimes you just wait for the worst to happen but if CAG has taught me anything its that if you stand your ground you will win - you can only pay what you have and no more. Thank you CAG - you rule!!! Icecream69

Hi Guys, I have managed to get hold of the paying in details for the above - hope this is of help. Payday UK Natwest or RBS Branches account no - 39534906 Sort Code - 60-00-01 REF: your own account no Payday Express Barclays Bank Account Name: Express Finance Account No: 30066850 Sort Code: 20-24-61 REF: Surname and reference/acc no Mr Lender HSBC account no - 31487639 Sort Code - 40-06-23 REF: Initial and surname Good luck Icecream69

Hi Guys, Thank you for your replies, i have changed my bank account and closed the previous one. I dont get a debit card with my new account so will that mean i can only make payments with standing order? has anyone had any experience in telling them that you dont have a debit card? I have been paying these loans and interest for too long i need to get a grip of it all and sort it out. I am just concerned as my default date will be this thursday but i am in a meeting all day so wont be able to answer my mobile. I am worried all my payday loan companies will ring my office which is answered by anyone. I dont want ppl at work knowing i have payday loans. I know its the least of my worries but i just dont know how i am going to sort this. I am expecting a bonus next month which i can use to clear most of the smaller loans that i have but am worried bout what i will do until then. Thanks. Icecream69

HI, does any one know of the banking details for the above? i have loans with them which are going to default on 31/3/11 and wanted to make my payments to them without handing over my card details. I have spoken to quickquid who have agreed a 3 month plan, 247moneybox refused to accept a payment plan and insisted i rollover the loan, which i refuse to do. Payday express are ignoring all emails i send and advisors keep telling me its a short term loan and i knew that when i took it out. Mr Lender refused to accept any payments, my problem is i dont want them calling me at work as the landline is answered by people i work with and i cant always answer it first. Any advice is appreciated! Icecream69

Hi Guys, Can anybody help me fight santander and capital one. I have sent out a payment offer on all my debt, (details in the previous post) however santander and capital one are the only two lenders that wont accept a payment offer without seeing my bank statements and payslips, can anyone help me draft up a letter that makes it clear that i have provided them with enough information (income and expenditure form) for them to consider my offer please? i spoke to santander today after they sent me a letter on yellow (???) paper asking for me to call them and they have advised that it is their policy to ask the customer to prove their financial difficulty with a bank statement which will then be cross referenced with my income and expenditure form. I dont want to provide this firstly because i already bank with santander and they have this already but also because no other creditor has asked me for this, it seems they want a lot just to consider the payment. They also said that the arrears which currently stand at £203 is made up of £140 charges and interest and that will continue until they have recieved my bank statement and wageslips. It seems a bit crazy that i am trying to sort out my finances yet they are doing all they can to make it impossible for me to do this! Any help would be much appreciated. Thanks, Icecream69

Hi, I have a card with post office too, i couldnt afford payments and sent a letter offering a payment of £40pm, i owe £1600 on it, a few days after sending my offer letter i got a letter telling me a default notice is going to be issued, i was issued the default notice and heard nothing for 2 wks, now i have received a letter from dlc and they are looking for the full balance, i spoke to them and they said that if i am making a repayment offer with post office i need to ask the post office to contact dlc to send the account back to them. I spoke to the post office who said my account was with the legal team, i spoke to a guy in the legal team who has agreed to my payment of £40pm even though i was told about 6 times that they wouldnt accept that payment, he has said that as long as i keep to my payment of £40pm he is happy to leave the account as it is. He was very helpful but did say that payplan advice doesnt work with them and that the post office has their own rules on how to deal with debt. Crazy huh!! just wanted to let you know coz i know how it feels to be in this position. Icecream69

HI, i have been asked to provide these details from two of the creditors i have accounts with, does anyone know where i can find a template to send to them which politely but firmly explains that i have provided mroe than enough information for them to either agree or not agree to the payment i have offered? As you can tell i am not that great with wording stuff so would appreciate it if someone could help me out. Thanks, Icecream69

Hi, Thank you for your responses, Is there a letter template that i can send advising that i do not need to send my bank statements etc as the income and expenditure form should be sufficient? In regards to Capital One they sent me all the statements in the post today after i asked for them via SAR. I wasnt aware of any ppi on the credit card and there is no mention of it on the supposedly signed agreement either. Thanks Icecream69

Hi Guys, Just an update on what has happened since my last. Firstly thank you all for your responses, i appreciate that you take the time to respond to help. I have recieved a letter back from santander - we have 2 credit cards with them, one for me and one for my husband. I sent off the payment plan for £40 for both of us with an income and expenditure form. For myself Santander have said that they wont set up any plan until i have sent them copies of my bank statement (i bank with them!!), copies of payslips and letters from all other lenders showing balance owed. For my hubby they have responded saying that they will not accept the payment plan but have not given a reason why. Can anyone help me here - i do not want to send my bank statements for no other reason but because the last 3 months do show gambling transactions (not in the last month but 2 before that). Also Capital One sent me the statements i requested (with the £10 fee) since i opened the account. For the 1st 2 years it shows that i had payment protection insurance of £8pm although i dont remember agreeing to this, also every month there is an overlimit charge of £20 too. Can i claim these back? My BIGGEST concern is that they have sent me a credit agreeement which has my signature on it but i didnt sign an agreement i actually did it all online in 2004. The signature is on a line but where my signature drops the line seems to disappear - almost as if it was stuck on. Has anyone else ever seen anything like this? it is dated but again i cross my sevens and always have so am sure this isnt me dating the agreement. I have received a letter from nationwide agreeing to the payment plan for four months so thats a relief just really worried about santander and capital one. Any help on this would be VERY much appreciated, Thanks. Icecream69

Hi Guys, Thank you for your responses. I have sent another letter to Post Office asking them to reconsider my offer of £40pm. Meanwhile Nationwide sent me a letter telling that a debt collector has been instructed to come to my house and discuss my financial situation - i spoke to them and they have agreed a payment plan but for £60.98 for the next 4 months, they have said they will send the agreement in writing as i have sent a letter confirming the conversation and that i will not be making any payments un til i have the agreement from them in writing. I also sent a letter to Capital One asking for a long term payment plan. They have called me today 6 times!! i have told over the phone that if they keep calling me i will complain about telephone harassment, can i use the letter template on this site to do that before they have confirmed the repayment plan being set up or will that just cause them to make things more difficult for me? I appreciate your help. Icecream69

Hi All, Thank you for your responses, I am not a homeowner so wouldnt be able to transfer anything into my husbands name, The post office didnt even give the opportunity to set up a repayment plan or even an option of increasing it they just said that the default notice is on its way, is that ok for them to do? all i want to do is get confirmation of the repayment plan being ok and to make payments asap to remedy the situation. I had a letter from Aqua today saying that they couldnt set up a payment plan as there have been transactions on the account recently, the last transaction was a month ago - again im confused - why do these lenders not want to take the money i offer? surely it would be better accept the payment than for me to go bankrupt and they get nothing? Icecream69

Hi, Thanks for you response, i have checked with my employer and a ccj will not affect my job. thank goodness for that. I received a letter from capital one asking me for proof of income and bank statements and also asking to confirm whether i want a long term payment plan (with which they issue a default notice) or a short term plan, i was hoping short term 6 months would give me enough time to try and save to pay off arrears on the account but not sure. Do i have to send the bank statements and payslips or is there a letter i can send that shows i dont need to send them? I am starting to a get a little worried about the default notice can anyone explain the process and what happens when a default notice is issued, and what happens if you dont pay what they ask you to pay? I would really appreciate any help. Thanks, Icecream69

Hi guys, Thanks for your responses, i have now had a letter back from my post office credit card which has also included a default notice stating that i need to pay the arrears owed by the 05/03/11 and if i dont i will be taken to court. They also said that the offer of £40pm is not enough to cover arrears and over limit amount and so they couldnt accept it. Do i have any stance against this? i cant afford to pay that hence the offer of £40pm. Please can someone advise on what i can do next? Thanks, Icecream69

HI Poundhound, I myself went to payplan after coming into difficulty making payments on my debt, the first call with them they took very basic details and arranged a callback with someone who could go through all my financial ins and outs, she then said i would get a call in a couple of days from the assessment team. It was literally an hour after my second call with them that an assessor rang me to offer me three options - iva, dmp or bankruptcy, if i had to choose i would have picked dmp, but i said i didnt want to go ahead with payplan since they had said that i couldnt leave out certain debts that i wanted to sort out myself, therefore i chose to DIY route and am working on it now. One of the main reasons i didnt want to go ahead with a dmp with payplan was that i have a loan that a family member took out for me and payplan insisted on that being listed but i didnt want that involved, but i have to say i found them very sympathetic. I just didnt think i needed them to do what i can do myself. Hope all goes well for you - Good Luck! Icecream69