cheers, i sent this: Hello, Please be aware that you repeatedly stated that I should make a token payment tomorrow and that when i questioned what you meant by £1299.99 you informed me that you were reminding me of the outstanding balance. I will make a token payment by bank tranfer and await contact by an account manager as we discussed, Please confirm or pleasse respect my wishes that I only wish to discuss the account in writing or by electronic mail, the message sent does not accurately represent the content of our telephone conversation. kind regards

keep strong mmy friend! PTP just called me and told me to ring the bank and cancel the DD (way ahead of you!). She then said they dont accept payment plans over three months and that after 8 weeks it would go to a DCA. She gave their bank details to make a token payment and informed me that an account manager would ring next week. I then got an email saying they confirm the arrangement to make the entrie payment by BT tomorrow! unbelievable!

PTP just called me and told me to ring the bank and cancel the DD (way ahead of you!). She then said they dont accept payment plans over three months and that after 8 weeks it would go to a DCA. She gave their bank details to make a token payment and informed me that an account manager would ring next week so far so good! WOnga plan already up, will settle with PDUK, wait for this DCA its just QQ, no reply yet!

They just called me and told me to ring the bank and cancel the DD (way ahead of you!). She then said they dont accept payment plans over three months and that after 8 weeks it would go to a DCA. She gave their bank details to make a token payment and informed me that an account manager would ring next week so far so good!

Hi all, I stupidly took a loan with FP aorund 2002. The PPI was 10500 pounds and they refunded this after 5 years as part of the cashback scheme. Clearly though it was added to the loan so I will pay interest on this of 25 years! At the time of my application I said i didnt want it but the woman told me that the company providing the finance may not approve the loan if i didnt take it. Any advice greatly received!

With regard to Poundstillpayday have you just cancelled your direct debit? I have and also reported my card lost, still worried some money may miraculously disappear from my account though, let me know how you get on wont you, good luck

That's great news, good result!!!

thanks, i am setting up another account but dont really want to leave hsbc. Cant do much about this week though. Will still be up then so as soon as my salary goes in i will tranfer out to savings then make payments from there, my bank confirmed that if I ring they can make payments to payees set up on my current account from my savings. What time do the PDL process their debit card transactions? even though my card is cancelled dont want any sneaking through!

Update - Wonga have agreed 9 payments of 88 pounds by transfer. PTP just keep replying saying their collections team dont use telephones and i need to ring them. I wont because I have said in my email I want everything in writing. QQ - no reply yet, I bet they try to take the extension payment, I bet it goes out through recurring authority even though the bank say this is rare and it shouldnt. Any idea what time my slary will go in? I bank with HSBC

hi , Not much to be honest. I just said i was having major fniancial trouble and could i pay nine lots of 88 and they set it up. I emailed again last night to say i had to cancel my card and they immediately replied with bank details and a reference to use, been brilliant

hi yes thats great just need to make sure they cant take anything on thursday, have emailed a proposed payment pla, wonga accepted niine months straight away. Have stopped my card and cancelled the DD, as a precaution i have set up a bank transfer of my salary into my instant access savings for the same day so hopefully the transfer will happen when my salary goes in. thanks for your help!

Hi No i havent yet, just going to transfer all my money except the promised repayment to my online savings account leaving just enough for them to authorise, when it clears I will move money back.

Hi all, Like many on here I feel so stupid. Have been rolling over several of these and enough is enough. QQuid - 1050 (+int) PTP - 1000 - 1300 with int Wonga - 789 inc int PDUK - 275 - will just settle this one Wonga have accepted a payment plan over 9 months at £88 so that's sorted PTP and QQ have emailed them with an offer of 12 equal payments for the total with one months interest only My big concern, and where i need advice - how to protect my salary on Thursday. I have arranged a bank tranfer online. Have cancelled all my DDs so that nothing should go out on Thursday monring. My plan is to reinstate these for next month on a new account and make phone payments to them in the meantime. I have cancelled my card having reported it lost. My hope is that when my account updates overnight the transfer will go out as my salary goes in so that any reccuring debit card payments are declined. I will then use my savings account withdrawl book to get cash. I will transfer money back to my current account online then immediately out to mortgage, car payment etc within seconds. Any thoughts on my plan? Anyone made a similar bank transfer? I'm with HSBC, i know they are instant but wonder what time it will go? This will only work if it goes across as soon as my salary hits, should do feeling better already just for making a start.

Yeah that's what i meant. It seems Ok my repayment schedule is visible on my account page with some explainatory notes so hopefully it will go ok.

Hi all I sent an email to three addresses mentioned in other posts and asked that my balance of 789 due next thursday be split into nine payments of around 88 pounds. I had an email back with the following inhalf an hour.... Hi ******* Thank you for your recent email. Based on your circumstances, I will place you on a new repayment arrangement taking effect immediately. Please bear in mind your current balance has frozen at £789.90. This outstanding balance will be divided by 9 monthly instalments of £87.77. The first instalment will be taken on the 1stMay 2011. Please see below the further dates payments will be debited from your card. As these payments will be taken from your card, should your card be inactive you do need to let us know with the new card details. It is very important to remind you that once you are on a repayment plan should you default on one of your repayment dates, we will allow you 6 days to try and correct the account otherwise on day 7 the system will deactivate the arrangement and will attempt to collect the full balance. Stage Amount Due Date Edit 1 £87.77 01-May-2011 Edit 2 £87.77 01-Jun-2011 Edit 3 £87.77 01-Jul-2011 Edit 4 £87.77 01-Aug-2011 Edit 5 £87.77 01-Sep-2011 Edit 6 £87.77 01-Oct-2011 Edit 7 £87.77 01-Nov-2011 Edit 8 £87.77 01-Dec-2011 Edit 9 £87.74 01-Jan-2012 Edit Balance £0.00 I hope this helps you out financially. Should you have any further questions, please do let me know. Regards,

Hi all, I have a payment due to this company on the 28th. I have cancelled my direct debit and hope to eventually deal with the DCA assigned. My worry is that if somehow the payment is made, by debit card for example, i wont be able to reloan and it will leave me completely skint for a month. I dont remember them asking for debit card details as they use direct debit??? Has anyone cancelled a DD with them recently? cheers for any help