Hi
This is my first thread so i hope im doing this right. I need some advice.
I borrowed £200.00 from safeloans on 25 February 2012, i had to pay back £250.00 on 25 March 2012, but i couldnt so I contacted them, apologised and promised to pay the amount borrowed back on 25 April 2012. I was bombarded with emails and texts messages telling me I was in default, which according to them is standard procedure even if you have contacted them.
As promised I paid £250.00 being the amount borrowed and one months interest on 25 April which they have received. They are trying to get a further £158.00 from me which is £30.00 broken arrangement fee, £12.00 late payment fee and the rest is daily interest.
Where do I stand? I am prepared to pay the £30.00 broken arrangement fee, because I borrowed and was 1 month late paying it back. They have offered me a plan to clear the rest of it off, but its there extra charges. Im not sure what to do.