hey - they are a nightmare it has taken me just over two months to get them to agree. I sent about two emails a day to dr @ paydayexpress.co.uk and customer care@ paydayexpress.co.uk stating over and over again that I wanted a repayment plan. They ignored me for a while but eventually got something back asking me for an income/expenditure form. They are very very slow at replying to your emails and will ignore most of what you say but as everyone says persistence is the key, do not give up and do not let them bully you into anything. I was advised to keep a record of every time they rang me which I did so as I was receiving up to ten phone calls a day on my mobile and house phone. Do not bother answering them they are incredibly rude and mocking and as I am sure you have read everywhere on here everything can be denied from a phonecall! Keep keep going, it feels so fantastic now to be able to say that they have finally given into me after all this time!! good luck!

congratulations!! I can also announce Payday Express have finally sucummed and I am FINALLY on a repayment plan with them!!

Thank you, I will get my parents to look on here that should ease their worry somewhat. Ok, I have now sent an email stating this and am composing a letter aswell to send them. Will let you know what happens!

Good to know, thanks! I have spoken to them on the phone already (I did record it) but I will also send a letter and email. I hope it won't come to them actually turning up but thanks for the advice if they do

Also - has anyone had any dealings with Mini credit? I received a letter yesterday FINAL DOORSTEP COLLECTOR NOTICE. It says that I will be visited by 30/03 for the payment. When I spoke to them earlier in the week by email I said that this was illegal and they needed a court order but they told me that it is different as it is not a bailiff and the person just comes and asks for the money and leave with or without the money. Is this true, can they do this? My parents unfortunatley opened the letter and are extremely distressed by the thought of someone coming to the door especially if I am not here. Feel awful having put them in this situation.

Completley agree, I never looked far enough into the future to realise I wouldn't be able to pay this back. Am terrible with money but buried my head in the sand for far too long! Have learnt my lesson the hard way though

My debt had been handed over to MT Collect and I had set up a repayment plan with them (unfortunatley by phone) I requested a letter or email confirmation which I didn't receive. Then on my payday Capital Finance took over £600 in several transactions. When I rang MT Collect they said it was nothing to do with them as Capital Finance took the money. Spoke to Capital Finance after going back and forth for a week or so they then told me I had violated the contract by applying for other loans with them while I had my current one (which I never did!) My bank said if I had proof of the payment plan they might be able to help but of course that never arrived. I have continued to send emails but they have all been ignored so far. Apparently for 33 days after they hand the debt to MT Collect they reserve the right to try for part or all of the payments - I wasn't told this. I have no idea what else to do now!

Capital Finance - good luck!! They took over £600 out of my account when I got paid despite the fact I had a repayment plan with them and are still refusing a refund. be very very careful with them. MT Collect is the debt collecter they hand over to (although I am pretty sure it is just a division of their company not a seperate company). They were quite rude at first but I finally spoke to someone who was really helpful and set up a payment plan of £20.00 a month straight away for me and I haven't had problems with them so far. Problem with Cap Finance I found is that they have never once answered any of my emails. So I was forced to do it over the phone - which as you can see from here is NOT the way to do it! Do you have a repayment plan with Minicredit? I'm having so much trouble with them, they refuse every payment plan I suggest! well done on your other negotiations don't worry I completley gatecrashed this thread aswell!!

Thanks, actually I just started a log but didn't think to actually answer then hang up, will do that. They are still calling even though I have said what you wrote before!! They are a nightmare!

Hiya I have sent about 2-3 emails a day. I finally got a reply today but it just asked for an income expenditure form, so will do that and then see what happens. can't believe how long it is taking!! Can't wait for that day I really can't!! How have you been getting on?

No I haven't sent any bank statements I did think it must be breaking some sort of protection act so I refused. Thanks for advice on what to say, I will do this next time they call. I know you are right just so hard with the phone ringing constantly! But I will take your advice you all know what you are doing much more than me! Thanks

I will stand my ground! I think I may just have to find a recorder because I have alrady had three phonecalls this morning, its ridiculous. I was intending on making a small payment at the end of this month when I get paid, before that I can't afford to. I have told them but they say until they get the payment it doesn't matter. I will just keep trying with them and report them, don't trust them at all

I wonder if anyone has had any dealings with Payday Express? I am having a complete nightmare with them, they phone my house phone and mobile around 10 times a day. I have read everywhere on here to not do things by phone unless you can record the conversation which I can't. So I stopped answering my mobile but when I am at work my parents are answering the house phone and they are starting to get really suspicious and annoyed about it. I have emailed them so many times, most get ignored or I get fobbed off about a repayment plan. I don't know what else to do, I want this sorted and I really just want the phonecalls to stop I am jumping everytime the phone rings!

Yes they must do, they call my house phone and mobile about 10 times a day. I stopped answering my mobile but my parents are answering the house phone they are getting pretty annoyed about it! I took a call today and the guy was so unhelpful, they have been ignoring my emails and he said to sort it out it must be over the phone and it didn't look good on me that I was refusing to speak to them on the phone and that he will continue to call me until I do so!! I may just have to break the rule of keeping it all in writing to get them off my back its a joke how much they harrass you. But you are right, I am looking forward to the day they finally give in and I can not have to see that number popping up on my phone!!

This is one of the replies I received.. Thank you for your recent email and your request for a repayment plan. Our accepted criteria for a repayment plan is as follows: Severe Disability or illness (not excluding close family members) Terminal illness or Mental illness (not excluding close family members) Deceased (not excluding close family members) Redundancy or Reduced hours (contractual hours reduced by company) If your financial circumstances have changed due to one of the above, we would be able to consider a repayment plan. We will require you to send in bank statements covering the last 2 months to show that you are now in receipt of either financial support or a reduced wage. If you are now unemployed we will also need to see proof of unemployment or redundancy. If your contractual hours have been reduced by your employer, we would need to see a letter from your employer confirming this. Alternatively if your circumstances have changed due to personal illness we will require evidence in the form of a doctor’s note or hospital letter, as well as the bank statements. Please be advised that if you do not fit the above criteria or you are unable to provide documentation, a repayment plan is unlikely to be considered. Should you wish to discuss these options or your account please call our office on 0115 908 1163 and one of our advisers will be able to assist you. Please do not hesitate to contact us should you require any further information. Thank you I emailed back explaining again about why I required a repayment plan etc etc and just got the same thing back again and the suggestion I used their extend and repay plan which is not what I want to do! I will keep on it and threaten some more! Just wish all the phonecalls would stop to be honest