every one deals with things in there own way,my problem was the drink worrying about money got me drinking more and more so another wee loan here and there to buy more,before you know it your trapped in a never ending vicious circle,like a lot of people i buried my head in the sand,cleared of a few pdl and just got 2 to go and im free,even managed to knock the drink on the head as well,i wish you both well for the future,as i said before im new here but coming across this sight has inspired me and makes you realise that there are literally thousands of us out there with similar problems,ok went on a bit of a tangent there but you know what i mean..................

keep smiling,im assuming you maybe do same job as me,i do wish you well for the futute,take care x

touchy,i just asked a simple question that was all and for your information im a support worker that gets paid just 2p above minimum wage,no im not connected to any pdl companies

for the last time i have not defaulted on my 2 pdl loans,indeed they will both be paid off one 31st of this month,i have no intention of going down the pdl route ever again,some off the posts being left are accusing me off looking for ways to escape my debt,i came across this site and asked a simple question dont really need the hassle of explaining myself,in fact im pretty sure that pdl are on here posting threads,.

i have around 45 e-mails from different pdl companies all offering me money,responsible lending my a@@e,and no im not applying for any of them,ive learned my pdl lesson

hi tawnyowl,thanks for your answer,much appreciated

thank you muchly,im going to write a letter tonight,thanks again

ok last time,i have NOT defaulted on my 2 pdl loans my original question was how was it possible to get more than one pdl at a time,the info i mentioned about some us states not enforcing on line pdl agreements was just that a bit of info an american mate gave me,let me be clear on this i have no intention of using this to get out of my debt nor was i advocating any one else tried to use it as well,hope that clears that up........

i am not trying to dodge my debts once again i was just sharing a bit of info thats all,and yes i do know uk and us laws are completely different,it would appear some peopea have got the wrong end of the stick,

thanks im new here and just finding my way about

hi peeps,my wages are always short i get told dont worry youl get it next pay which i do,but i keep my end of my contract of employment by working my shifts and doing my job,what i want to know is is there anything i can do to make sure i get paid for the hours i have worked,i get paid monthly and sometime i can be 20 hours short which causes me hardship,i only get paid 2p above minimum wage,and cant afford not to be paid,im a carer,any help advice most welcome,hope ive posted this in the right place.thanks in advance........stephen

omg that was hilarious huge lols to that

it will be hard to get your money back,bombard them with e-mails fone calls and snail mail,sge loans are just like wentworth,yes loans etc,never ever give bank details over the fone to anyone,prove would have gave u a loan without going thru a so called broker,but there interest rates are appaling avoid

hey guys im not looking to dodge my debt was just saying that some states in the us will not enforce on line loan agreements.

hi sillygirl im of the opinion that most pdl companies would rather avoid court there empty threats are just that,empty

being taken to court is not any due cause for concern chances are it will never happen,you have made an offer to pay your debt and they have refused it trust me thats all you need to do,heres what happened to me,welcome finance took me to court over an unpaid loan even though i had made several offers to pay 50 pounds a month which is all i could afford due to change in circumstances,they repeatedly declined my offer,i opened a post office account and put 50 a month a month in and sat back and waited on my day in court,when at court i got usual questions are you so and so are you liable for this debt etc etc,i replied yes i am then the fun began,i stated i had made repeated offers to pay 50 a month and showed judge copies of all letters from me and and welcome he read them and asked welcomes lawyer why did refuse this offer of payment ,the lawyer replied my client deemed it not enough considering the size of the debt which due to charges and interest now stands at 4587,the judge then asked him how can your client justify such charges and interest,there lawyer replied its all made clear to borrower at time of taking out loan what penalties will be if you default,to which the judge replied thats not what i asked you,as you can imagine there was no reply to that,so i then told the judge i had been putting 50 a month into po account and had brought it with me 450 pounds,now heres where i nearly wet myself,judged thanked me and said he would order me to pay 25 a month based on my circumstances also revoked all the charges and interest and now i just owe the original loan amount,now this happened in a scottish court but dont imagine english civil law will differ that much from up here,so ensure you keep copies of absolutly every single letter and if it does go to court do not worry about it at all,in fact enjoy your day in court exposing horrendous interest rates and scare tactics is good fun,good luck to you............

hi all,im new here so please forgive any typos etc,anyhoo my question is this,how is it possable to get several payday loans at the same time i fell into the pdl trap and borrow from one to pay of the other all the bumff ive read on pdl sites all state you can only have one at a time,if i was declined then it would help me but im never declined,do they not check also are wonga and quickquid the same company? heres something i learned also so here goes ive got a mate that stays in the usa where pdls are rife but he says that in some states online agreements are not enforceable as there is no real signature just an on line signature same as here,so thats it and thanks for reading,peace to you all:-D

yay thanks mate ive sussed it out now,i am bit thick when it comes to computers and online stuff,thanks again,peace to you

thanks for reply but i dont have a blue post new thread just a wee blue +1 google thing,sorry for being a pain,however this is a great site im happy i came across it

good luck to you mate,your an inspiration i wish you well

just seems so stupid to offer me more money when i havent made 1st payment

thanks for reply john,im not to sure how to set up a new thread

lending stream offered me a top up loan even before i, made my first repayment.peace to you

are wonga and quick quid the same company

hi guys im new here so please be gentle with me,sadly ive fell into the payday loan trap borrowing from one to pay the other,what i want to know is how am i allowed to do this,i thought you could only get one pdl at a time,are there no checks carried out between all these lenders so loans can be declined and saving people like me getting even deeper in the poo,thanks and sorry for typos and all that