Thanks for your help today. It gave me the boost and and the "I don't give a damn" attitude I needed. Though I shall still complain as the whole debacle is clearly wrong.

I've wrote them a stern email, and used your term "cash cow" and how I plan on complaining. They quickly replied and offered me to pay the 150.40 as a final and full settlement. Which is what I originally wanted to pay.

I'd like to pay them what I actually owe but they just want more. I'm confident I could go to court with this with my head up high and fight this one. I think I'll take some time out tomorrow to call the OFT, the FOB, CCA, BCCA and that MP Stella I've read about and outline the problem I'm having with this loan shark of a company. Thanks.

I've already opened a new account a few months back. I've been looking for help within these forums for awhile now and they've really helped a lot. This one loan is the one that is getting me down. The rest of them (and I have 6 payday loans) seem to be fine to deal with. I just need to know what im up against with the obviously contestable charges and whether I should fight this or back down and keep being a cash cow?

Well I have until the 2nd July to make my decision on whether to pay. I reckon the court would go in my favour. I've made attempts to pay, I'm with Harrington Brooks on a DMP (silly I know) and I've paid their fees and now money being paid to them will pay my creditors plus their fees. And also offering them the amount they wanted 2 weeks ago when I got paid even though I'd be struggling for the month. Personally I'd like to go to court and see what is done but I do have abit of a mouth on me when challenged and end up wanting transport costs and a days wages in contest for a waste of time. But the other hand says pay them and they'll go away.

Looking at this I feel I have paid my Debt plus a fair amount of interest and their effectively chasing me for interest. Which I'm not sure is legally enforceable? I've got until the 6th July to make a payment/decision.

I took the loan out in january £250 And was to make subsequent payments of as follows; 27/1/12 £107.50 28/2/12 £122.66 28/3/12 £198.75 28/4/12 £81.40 I didn't pay in the month of April as my loan repayments were more than my wages and every month I was retaking out loans to pay loans off. Worst thing is I paid all my debts off in January but was left broke so needed to lend again and I spiralled out of control once again.

Hi. To put this in a nutshell, I've received a letter that tells me their intent to take me to court for £270.40 and also a repayment plan they'd like me to adhere to if I don't ignore the letter. Now I can afford their repayment plan, but 2 weeks ago my debt was £150.40 and I sent an E-mail to them offering to pay in full on 28th June despite not wanting to because I'm in a DMP but just want these sharks off my back. Any advice? If I had a leg to stand on in court I'd go, especially as I made an offer of a full repayment.

I've looked around a lot today on various websites and I do believe I have to have debts worth more than 5k to be with Payplan and CCCS. As regard to my Safeloans debt, I've sent them an E-mail stating that I want to pay this debt and to offer them a payment via a plan myself to see how far I get, but do intend to pay them in full at the end of the month as they're pee'ing me off. I'll continue with HB for now but I shall be having a long conversation with them when they phone. I think my best bet is to contact each lender and attempt to set up a DMP myself. Thanks for everyone's time!

Hi, I'm new to this forum. My debts; Payday express £855 Safe loans £150 Quickquid £1214 Payday uk £587.50 Mr lender £150 Capital one £600 Total-£3556.90 I'm currently in a DMP with Harrington Brooks but I'm being threatened with a CCJ from safe loans. Payday express say they haven't heard from HB Capital one have sent me a letter saying I still owe them and charges and interest have been added. I've paid HB two payments in two months of £250 and I can't honestly see what progress I'm making apart from getting into more debt. I'm looking at going with CCCS for a DMP but the payment for HB is due at the end of the month and I don't want to give them another penny! I was wondering how I could get rid of HB with out the four weeks notice I have to give them as payment will be out in two weeks. Any other advice would be MASSIVELY appreciated. Thanks