I just can't get a response from them. They don't reply to any emails. They don't have a postal address listed and they've blocked my account so I can't even make token payments.

All sorted apart from MiniCredit, does anyone have an email? All I'm getting are text messages, I want to make a token payment, but not using my debit card.

Payment to Cash Genie will be made tomorrow, still no news from Mini Credit.

Quick update, MiniCredit are slapping on charges left right and centre, and not answering my emails. How else can I contact them, I'm not ringing an 0870 number. QuickQuid are being a bit funny too, I paid £38.77 and now they say I have to pay the rest of the interest, about £25.00 before I can go on a payment plan, but it has to be today, I emailed back saying it wasn't going to happen.

Wonga are now on board, albeit for £2.06 more each month that I requested, but I can live with that. 2 down, 2 to go.

Despite being told by Quick Quid that they don't accept Paypal, they have funnily enough sent me 4 Paypal invoices. I've paid one for £38.77, which is this months payment. I expect I'll hear from them on the 15th when they don't receive the full balance, despite being told numerous times that this is the only payment plan I am willing to enter into. Not heard anything back from Wonga as yet, and still zilch from Mini Credit. Some email addresses here that may help. Paypal Payments are made to: png@quickquid.co.uk Customer Services email: rlewis@cashnetusa.com

Sillygirl I'm really sorry you feel this way, but many of us don;t have the luxury of being able to trawl through threads to seek clarification. Maybe it should be made a sticky, and then other forum members can direct people there.

I'd also like to know this too. It's quoted often on these pages but not with a full explanation of why.

Quick Quid want me to pay the interest today, plus the default fee, since the actual loan isn't due until the 15th. I told the I'll pay the £38.77 as outlined in the email I sent to them, I'm still waiting for this link to pay.

Is it worth asking for a copy of their complaints procedure before I make a complaint? Also I have heard nothing at all from MiniCredit. Cash Genie on the other hand have been fantastic, accepted a payment plan on my terms, due to start on 15th September.

It is in the terms and conditions as a missed payment fee. I only missed the payment because they have not agreed to a payment plan. I have contacted them and they stated that the account must go into default before they consider a plan, which means they are forcing me to take a late payment fee.

I've clicked both links but can't see where to make a complaint. Also what do I actually say? Something along the lines of I have contacted them and they are refusing to implement a payment plan?

Quick Quid and Wonga have both emailed today. Quick Quid have added a £12 dishonor fee. Am I right in thinking that I don't pay this? I have agreed to pay £38.77, which comes off the interest, they're sending me a payment link. Wonga have ignored my previous correspondence regarding a repayment plan, I've forwarded the email I sent on the 30th outlining my payment plan proposal.

Hi, where did you get the information about not charging a default fee if you have requested a payment plan before you default.

I need some help, I have seen on here somewhere that if you have requested a payment plan before you have defaulted they cannot charge you a default fee. Where is the legislation that says this?