screwpaydayloans
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Hey, currently sitting here with a stupid wonga loan, on a repayment plan. in arrears by 270 days at £320. Been amending my repayment plan almost every other month as I am unable to afford it due to loss of hours at work due to disability. When I took this loan out I was in a bad place, and only earning £350 a month, i believe that they should have refused me on the basis of my income. I phoned them and they said I would receive an email today or tomorrow(!) if my debt was being written off.. Been worrying about this all week. So, has anyone else been written to regarding this matter? I still havent, no post, no email... seems like they're trying to pull a fast one.. Infact, after I called them they sent me an email asking to do a survey with the chance to win £100! The cheek. Cheers
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My living expenses may seem low to anyone else, but that is high for me, if i must say so. My usual spend for a weekly shop is about £10 per week. I live very frugally even when I have plenty of cash. It is just the way I am. Without overtime I earn around £400. I have already got a weeks worth of overtime sorted for next week (when I move onto the next pay cheque.) Where I work, the management is terrible, So I know that there is almost always overtime. I have just spoke on the phone to Pay day UK and they sent me a text with their bank details to use, but wouldnt send me an email. Should I call again saying that I would like something in writing?
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To cut a long story short, I was inbetween jobs and had a 2 month gap without pay due to the way the previous employer and the new employer pays wages. I took out a wonga loan initially, but when I got paid it turned into the vicious cycle that you all know about. I have loans with the following companies: Wonga: £600 on promise date Payday UK: £130? (I deferred this and now it says I owe £30.43 on my pay date) Cash Genie: £260 I need to figure out a way to pay them back. I have started by getting my wages paid into a new bank account. What I need to do now is set out a payment plan with all 3 companies. I am relying on overtime so it can be hard to figure out how much I will get in next months pay, but my initial costs each month are: Rent £350 Living expenses: £60 Family loan: £50 Other: £40 Total = £500 I usually earn around £700, so that leaves £200 a month for PDL repayments, but id like to leave a variance of £100 just incase I can not get overtime. I was thinking of paying the payday uk loan off in full and then paying Wonga and Cash genie £50 PCM until clear.But I need a way to pay payday UK as my bank account is now closed and my new one doesnt have a debit card.. I think my plan is good, but I have no idea how to contact them.. do i wait until next friday or call up asap?