Pounds2day have the same address not pounds till payday. google pounds2day and see their contact deatils- they have exactly the same address as lending stream even the same door number. I think pounds till payday is different to pounds2day. I have loans with both pounds2day and lending stream.

WHY Me?? I have two payday loans with lending stream and I defaulted at the end of March -yes less than a month ago. Since then I have had a text, two letters -one for each loan and today I got a phone call. I asked them to communicate by email which they agreed to so I am waiting for them to send me one. Have you noticed that lending stream have the same address as pounds2day??

DCA are not connected to the court and have as much power as the neighbour's cat!! -NONE

They are allowed to but there is no legal requirement for you to open the door to a DCA at all. Just let them knock, dont answer or give them the time of day. After a couple of attempts they will pass the debt back to QQ or onto someone else. I had one who called on me the other week. They saw me look out the window and continued to knock, I continued to ignore, they left a card saying contact them urgently which I again ignored. Thye havent been back for past 3 weeks.

does anyone have lending stream bank details??

I know that a lot of DCA believe they may be cosa nostra (mafia) but caggers are not phased by this as we know different.

They may try and get it by direct debit. I dont think they can get it from your card now. When I cancelled my card, Wage day advance set up a direct debit on my bank account without my permission but when queried they argued I gave them permission when I signed agreement- (small print) Just watch your account and check no direct debits are set up- you can do this online and cancel it straight away

You are not really lowering your wage through choice because family circumstances are beyond your control. I cant imagine the stress of not getting much sleep then travelling two hours to do your job, You must be exhausted. You will eventually 'burn out; as you are only human. I agree if you explain your circumstances and your income is not sufficient, you must be able to claim. The only thing I think you night have trouble with is that you chose to leave your job and Im not sure if there is a time delay between this and claiming benefits.

Sorry, Im no expert in that department -Im not sure how they would respond.

I would definitely put my family first and take the new job, although the wages are lower you are trying your best and a few months down the line if you stay where you are, you could easily crack up with the stress of travelling two hours each way and dealing with a distraught child and juggling family responsibilities. Your health is your wealth.

Its better if you pay them by standing order otherwise they can help themselves to your money at any time if they have card details for different account and they WILL. Dont give anyt card details to anyone, Get their bank details and set up standing order to be safe.

I paid cccs £165 a month. My plan is also for four years but CCCS paid my payday loans about £25 a month and all the other creditors £5. My cccs plan is still running for another 3 years but the payday loans which were on it have now finished so all my other creditors get a bit more.

I have been on a DMP with CCCS for the past year. I had two payday loans with payday uk and quick quid. They accepted the offer from CCCS and I have just finished paying them. Stupid me-- in the meantime I took out another 5 payday loans and I am dealing with them myself. The conditions of a dmp with cccs is not to get any more debt. Learn from my mistakes. I have found cccs to be very supportive

I have been on a DMP with CCCS for the past year. I had two payday loans with payday uk and quick quid. They accepted the offer from CCCS and I have just finished paying them. Stupid me-- in the meantime I took out another 5 payday loans and I am dealing with them myself. The conditions of a dmp with cccs is not to get any more debt. Learn from my mistakes. I have found cccs to be very supportive

I have only experienced wage day advance setting up a direct debit on my account without my permission, which I cancelled through my online banking- click of a button. Apparently when I signed the loan agreement I gave them permission to set up direct debits. So you may have given permission without realising it- small print. Just keep an eye on your account and cancel them straight away. WDA haven't tried again yet, Im checking every day!!

Thanks for all your support. Im back on the road now. Passed MOT on Tuesday and tax disc is displayed. Thanks you soooooo much. I ddn't get clamped but was very risky.

I am going through the same with WDA. I just emailed them and TOLD them this time that I will be paying £20 per month. I've given up asking them. I am just going to make the payment each month whether they accept it or not. I agree with you that I am not willing to give them I/E or any other information. They have controlled me for too long. I have nothing to hide but I will not give them the satisfaction of ordering me to complete the forms just for the hell of it. Although I admit my borrowing from payday loans got out of hand and I was irresponsible. Have you noticed how easy they give them to you and never check if you have any others. Their bank details are on a 'sticky' so just pay them anyway and don't give them the required paper work- it is not the law!! Good luck

Thanks so much. I will read it. The support on this forum gives me so much strength and its nice to know other people are in the same boat!

Thank you so much for your reply, I feel a lot better now. Does anyone know how fast an MOT is added to the national database?

On Thursady my car failed the MOT and my tax ran out on the same day. I have arranged for my car to be repaired and have an MOT retest on Tuesday 5th April. I haven't got a driveway but I am not using my car and I have parked it in a communal car park opposite my home. I am so scared I wont make it to Tuesday without getting clamped, just living in hope. When my car is repaired I will renew tax from 1/4/.11 so there wont be a gap . Does DVLa immediately target the untaxed cars at the beginning of the month. I thought about declaring SORN for five days but then my mechanic has to take it for the mot, and I believe the car park is regarded as on road. am I right? Do you think I will be ok????

I agree, that it is not that much of a big deal if I wanted to, but I just feel that I have been ripped off enough with massive rates of interest and I just want to get all these pdls out of my life, I dont want to let them have control over me by demanding my I/E as I feel it is none of their business. The way they answered my email was as if I was a five year old child... quote " you have been told twice, that we will not accept your offer of £20 until you fill out the I/E form" ...what a cheek- being in debt is not a crime. I have spent months paying PDLs over my rent and council tax and now they can take a back seat. If I have no legal oblogation to send them I/E form then I won't give them the time of day. I am not denying my debt and I am paying them £20 anyway whether they like it or not. I've already paid back more than I borrowed, but I just wanted to check the legal side of I/E. Thanks for your advice.

Thank You for that reassurance.

No -Never give bank statements they have all your bank details on- They will tell you they are entitled to it but just politely ignore. They tried that one with me. I'm not sure about Income /expenditure- I am waiting for advice about that. I dont want to give them my I/E because I dont feel they have a right to know. They have ripped me off by extortionet interest rates so why cant they be happy with that? Im not revealing any personal details at all. The advice on this forum sugests that you pay the loan back and one months interest by standing order only. That's what im going to do whether they accept my offer or not -they are getting it. I have just defaulted on 5 pdls and feel so relieved. This is the first month in a year that I have paid my rent and council tax on time. It is a good feeling.

I've just found WDA bank details on a sticky.. Thanks a lot. What is my account number?? Isit the reference number or the agreement number??

Am I breaking the law if I don't give an i/e form?? wage day advance will not give me their bank details until I submit I/E form. I've paid back £142 off a balance of £569 now I want to continue at £20 a month which they won't accept. My balance is now £425. Has anyone got wage day advance bank details?? Do you know what number I use as a reference? I have an agreement number and a reference number- which one do I use?? Any tips gratefully recieved.