Thanks for the advice, i have sent them an email , i hope i get a response soon. Do you know if they are able to set up a repayment plan over e-mail?

Hi, I currently have a contract with vodafone. I am in financial difficulty at the moment and the last 2 months i have been having to phone vodafone up, make a small payment towards my balance and they put me on a promise to pay. But i know that they will stop doing this for me soon. Is there any way i can enter into a repayment plan with these guys?

Hi, i stupidly took a loan out with these sharks and ended up owing them £450! Knowing i couldn't afford to pay it i set up a repayment plan with them for £45 a month and they agreed to freeze all interest and charges. They also said they would not register a default against me as long as i stick to the plan which i have done (i have emails prooving this). However after checking my credit file they have registered a default against me for an amount of £20! I have tried contacting them asking for it to be removed as i have not broken the terms of the repayment plan but they are having none of it! Is there anything i can do?

I never had a perfect credit score in the first place and because i am young and stupid and because i couldn't get credit with a bank i ended up taking out a payday loan and it just spiralled out of control.

Hi, I am currently in repayment plans with a few different payday loan lenders and i am starting to see the light at the end of the tunnel as i have already paid 4 off. However payday express that i am in a repayment plan with has decided to register a default on my credit file and thanks to them my score is a big fat 0!! (I'm probably the only person to have such a low score!) I have never made a late payment to them or anything but because i'm in a repayment plan they have said that they have the right to register a default as the loan has not been paid back within 90 days. The funny thing about it all is, is the amount they have defaulted me on is for £20 which i find to be an absolute joke! This will obviously ruin my chances of ever getting credit in the next 6 years! Is there anything at all i can do? I also am in arrangements with safeloans (paid off yesterday) and lending stream and they have also registered late payments against me. Please help

Hi, This may sound really bizzare but it has got me paincking a little. I regularly look at my experian credit report and when i logged into it today the hire purchase i have with santander has completely disappeared of my report ! i still have over 3 years to go until my car is paid off with them so i don't understand why it has just been removed from my credit report. I have never missed a payment or anything either. I do however have a really poor credit score due to a number of payday loans that are currently being dealt with but surely this wouldn't affect my loan with santander. Has anyone else heard of this??

Hi, i have just seen your message about PDE sending you texts about an overdue account when you are still on a repayment plan. I have been receving those texts for the past 3 days too and i am on a 10 month repayment plan with them and i am about to send my 3rd payment of to them tomorrow. There must be some sort of problem with their system! They are really doing my head in though they have also filed a late payment on my credit report and it says that my current balance is £55 (which i am supposed to be late on) which is a load of rubbish as my balance is £360!! Glad im not the only one having these stupid texts!

Hi, Has anyone ever had any dealings with these? I owe them around £140 and i want to start a repayment plan with them as i cannot afford to repay the interest costs any longer. I went into a live chat with them and they said that i need to make an initial payment first before a repayment plan is set up? Is this correct? Please help!

Is there any templates on here by the way?

Ok thanks for your help I shall get a letter drafted up.

Well I hope I have the same experience as you. I have now sent them an email so fingers crossed. How did you cancel the continuous payments authority with your bank? Did you phone them? Just to let you know that I have come to an arrangement with pde for £45 a month for 10 months with interest frozen. I did have to constantly email them as they ignored most of my emails but after about 50 emails they gave in and set me up with a plan! I can send you the email address of the lady who dealt with my plan if you like?

Thanks for the great advice! So have you now come to an agreement with them and did they give you their bank details in the end?

Hi, My worry is though that they won't give me their bank details as every post i have read about them say they have persisted that you can only pay by debit card and also they constantly phone your employer I have to say i am really quite scared about tomorrow!

Hi FrugalJo, I am about to default on my speedeloan payment tomorrow. How did you get them to arrange a repayment plan for you? I have heard they are a nightmare!

Well... after about 60 emails to payday express they have finally given in and have accepted my £45 a month repayment plan!!!! :whoo:They have frozen all interest and charges and have gave me their bank details! Thanks everyone for the advice don't know what i would of done without your help!

I have been sending my emails to customercare @ paydayexpress.co.uk and laura.kent @ paydayexpress.co.uk

Can i just ask how to you get payday express to agree to your repayment plans? They are ignoring all of my emails! Please help

Hi, I am currently in the process of contacting all of my payday loan creditors to discuss a repayment plan. I have succesfully got repayment plans with 5 payday lenders however payday express are just a nightmare! I have emailed them and emailed them and when i do finally get a response all they tell me is that i can only enter into a repayment plan with them if i have a serious illness or lose my job (which doesn't apply to me!) My loan with them is £450 and i am due to pay £90 on 5th April to just roll it over. I have been rolling it over for months now and i just cannot afford to do it anymore! Has anyone been successful in getting a repayment plan with these guys? Is there a certain e-mail address that i need to send my plan to? Please help!

Hi, I am currently in the process of contacting all of my payday lenders for a repayment plan however i have tried emailing lending stream about 10 times and they are just ignoring me? I have been sending them to payments @ lendingstream. co.uk and info @ lendingstream.co.uk Has anyone ever been able to set up a plan with these guys and is there any other email addresses i can send my plan to? Thanks

Thanks for all your comments! asmilecostsnothing did you receive default letters in the post from quickquid when you were on a plan with them? Did you have phone calls at work aswell? Them are my main two concerns! I have now paid off minicredit as i have read that they are an absolute nightmare so luckily i have scraped enough money together to pay them off! Also if quickquid report a default on my credit file does that affect my parents file because they live at the same address or is it just your own?

Hi,

Update: I have contacted quickquid and payday express so far. Quickquid have been quite helpful, I asked if i could spread the payments over 6 months and freeze interest and they are willing to do so only if i default with them first. I don't particularly want to default but i think this is my only option! They are also only accepting payment by debit card or direct debit so i am thinking of getting one of those pre-paid cards. My concern with them is i don't want them harrasing me at work (they have agreed not to but i don't trust these sharks!) and i don't understand why they are being so helpful with me yet others on here are having real trouble getting a repayment plan set in place with them. Has anyone ever had a repayment plan with them and successfully repaid it all with no hitches? Payday express on the other hand are a waste of time. They will only offer a repayment plan if i have a terminal illness or lose my job. I don't know what to do with these guys! As for all the others i have still got to contact them about it yet. I am fed up of being in this mess it is a never ending cycle! It is really starting to make me depressed! If any of you have had experiences with dealing with the companies i have loans with i would be grateful if you could tell me how you dealt with them

Hi, For the past year i have been struggling with payday loan debts. I don't know what to do anymore i feel like there is no way out of this payday trap! I haven't defaulted with any lenders yet and i don't particularly want to as i don't want them phoning me constantly at work and home (i live with my parents who will kill me if they find out!!) I am currently in repayment plans with txtloan and wonga and i have only got 2 more payments left with txt loan and 4 payments with wonga which isn't a problem but the others i am really worried about as i have read that they are not easy to deal with! Here is my list of payday loan debt: Speed-e-loans: £260 Quickquid: £640 Lending stream : £420 Safeloans: £150 Minicredit: £250 Payday express: £450 I can't afford to keep rolling them over as it is nearly taking up my entire wage! Has anyone had any experiences in setting up repayment plans with these sharks? I am going to try and pay minicredit off this month as i have heard they are a nightmare to deal with!