Hi Yukiko, Sorry to hear about your situation, sounds like you had a lot of bad luck recently and I hope things will get better in the future! I am sure others on here will soon give more detailed advice. Generally I think in your situation with at the moment only 60 GBP a month left to pay 10 lenders off, you cannot hope for reasonable repayment plans. I do not know how much in total you owe these 10 lenders and how much you owe each of them, so cannot give more detailed advice. If not already done so, I would first make a detailed budget of the monthly incomings and outgoings, just for yourself. Do not forget to include in this budget some kind of savings (no matter how small) for future emergencies Once you know how much you have left, the usual plan would be to make a pro-rata overview how much you can repay each lender. E.g. if you have 100 GBP left and you owe one lender 400 GBP and the other lender 600 GBP, then you have 1000 GBP debt, 100 GBP left each month, repay over 10 months, and the lender with 400 GBP gets 40 GBP per month, the lender with 600 GBP gets 60 GBP per month. Pro-rata in your case with a small sum (e.g. 60 GBP) and 10 lenders would probably result in most lenders only getting a very few quid. Therefore one option I would suggest to inform your lenders about your situation and offer them token payments of 1 GBP per month, if they freeze interest and charges, until your situation improves. If e.g. TextLoan or MiniCredit only replies with generic emails, then this is tough luck for them. If it goes ever to court you can in your defense demonstrate that you sent proactively emails informing them about your situation and they only sent generic replies. Another option possible (depending on the amounts you owe) is to arrange full and final settlements with the ones where you might have small amounts. E.g. if you would owe e.g. TextLoan 120 GBP then inform them about your situation and offer as settlement 33% (40 GBP in a one-off payment). Tell them otherwise you would only be able to make token payments (as detailed above). This leaves them the choice to take 40 GBP now and forget about you, or to wait 40 months for the 40 GBP and invest staff time to deal with you No matter which option, the plan should be to get most companies to freeze interest and charges for now, to accept token payments for now, to stop them calling you, and in the long-term (once your situation improves) to pay them off. You should probably not hesitate to contact PayPlan again I think, they might be able to help again, no-one knows until you tried and what is the worst that can happen? Send those payday companies still calling you the harassment and stop-the-phone calls letters (you find templates in these forums), they are obviously not allowed to call you at work, or to call any relatives, etc. Report those who do despite you sending them letters to the OFT. MiniCredit will increase the charges and fees forever and to ridiculous amounts. I would in your situation not worry too much as with your left over monthly income to pay these non-priority debts, a judge will probably order you to only 1 GBP-payments and will hopefully wipe some of these charges. What you should NOT do is: - pay any of these companies more than you can afford per your budget, no matter how hard they try to push (this includes Provident! Tell them in writing not to visit you and that you do not give them permission to visit you and that you only will deal with them in writing. If they do visit you ask them to leave, if they do not leave or even threaten you tell them that you will call the Police (and don't hesitate to do so if necessary!) - take out new payday loans I hope that helps a bit for the beginning

Thank you Renegadeimp for the heads up. They do not accept standing orders and they do not have a bank account to pay into, so only direct debit or debit card. I have not given them my debit card details and I have given them a safe account for direct debits where I will only put enough money in just for their rate. Let's see how it goes. I will keep you updated if they debited just the rate or if they tried for more... Thank you

Thank you. As posted before I had already send it to them. They came back to me just now and... accepted a repayment plan over 11 months. Meanwhile I phoned QuickQuid (I sent them an email first but they wanted to discuss over the phone). They were very nice on the phone and accepted a further repayment plan over 6 months. Very happy now, just waiting for Wonga to come back to me, and still no clue how to deal with Toothfairy... Time will tell.

Thank you, Jamie. I just send it to them, so let's see what they come back with

Hi everyone, I had contacted SafeLoans (440 GBP due on 31 Jul 12) by email and asked for a repayment plan. They wanted an I/E form, which I sent in (I know I do not necessarily have to, but it was no harm to me). Now they come back and want a copy of my latest pay-slip. I could obviously send this to them, but does anyone has any idea why they want this? Thank you for your help!

And just in case you still need the e-mail addresses you requested: Wonga: customercare@wonga.com Quick Quid: support@quickquid.co.uk or in your case it might be better to send to resolution@quickquid.co.uk Payday UK: loan.agreements@memcapital.com Payday Express: info@paydayexpress.co.uk WageDayAdvance: collections@wagedayadvance.co.uk

Hi, A lot of responses - thank you. @ renegadeimp: I so agree with you, that if, as you say, a lender refuses to deal with in writing, there is something wrong with them and you should probably not get on the phone with them. I think the kind of Toothfairy and Mini Credit, where you get 'auto-responses' triggered by key words, are probably the worst of this kind. Instead of saying directly "I do not deal with you in writing, call me instead", they instead "force you" to call them by simply not letting you easily enter into a written communication with them. So it is probably no point calling these I also agree that there is no proof what actually happened in the call, but this would be on both sides (the debitor and the creditor). So if they send a follow up email and this is not what was agreed, then there is still time to write back and clarify what was agreed or start re-negotiations again. The creditor will record the call, so if worse comes to worse they have to prove as well what happened. I think the main issue, as you already mentioned, is that via the phone most of them will try to bully you into "arrangements" which are beyond and above what you initially were prepared to pay. And of course they might harrass you, shout at you, etc. I was more thinking that in some cases, depending on which lender, and definitely depending on what kind of person the debitor is, it might be beneficial to give it a try and call, remembering you can hang up the phone anytime and switch back to email @ site team: Thank you, I will have a look at Jamie's old posts I understand CAG's view To illustrate here are two of my experiences for each route (email/call): - MrLender: I called them as I thought this is a small lender and the amount owed was high, so my thinking was if I mess this up I am in trouble (high amount), and it is a small lender, so maybe easy to talk to. I thought it was a small lender, as I had several loans previously with them, most agreed over the phone, and always spoke to the same person when I called So I phoned them, and explained the situation. They were not very understanding, sounded very angry, and asked a lot of questions I was not expecting (e.g. why I took out the loan only a few days ago and now suddenly my situation changed). This obviously was to a) make me feel bad and b) accuse me indirectly of "fraud". I had several calls with them until we agreed a repayment plan. The interesting point is that at one point we agreed over the phone that they "waive" 150 GBP interest at the end of the plan. On my next call when actually setting up the plan they read out the plan and the 150 GBP were still there, so I told them "Sorry, last time in my call with Mrs X I agreed with her to waive these 150 GBP" and guess what happened: The person I spoke to went over to Mrs X, asked her if that was what was agreed over the phone, she confirmed, and then the 150 GBP were removed. The follow-up email I received also confirmed this. So here the call actually worked and I think I was more successful with calling than I would have been with email. - Wage Day Advance: I emailed them, and we sent a lot of emails back and forth until a repayment plan was agreed. Due to these lengthy negotiations I had to pay one month more interest in total, as the negotiations took one month. Makes me thinking that some lenders tend to "stretch" the negotiation process to freeze interest at the latest point possible Now the point here is that despite my email only negotiations and my written repayment plan they still set up a direct debit every month for the full amount

Hi Renegadeimp, Thank you. I agree this is a perfect script to avoid calls from them and keep everything in writing. And I also agree that everything in writing is beneficiary as you have proof and also cannot be so easily harassed. Nevertheless there are situations and lenders where it is easier to come to a solution over the phone (with a confirmatory follow up email). I just thought for some people this might be a better route... and those people might benefit from another "script"...

Hi Grumpybutgorgeous, I am fine, thank you. Hope you are well, too! Good to hear that you are in control of things, that is the most important Most of my dealings with SwiftSterling I already put in the post you have read. I think they are probably difficult on the phone because they are only a broker, and I think it will be very difficult for them to get their high brokerage fee (which is the majority of the "interest" for the loan) through to court. That is probably why they would waive this fee, even if you withdraw from the contract after 14 days. I also doubt their "lender" based in Malta will easily go to court here, so their only option is to sell it on to a DCA (similar to QuickQuid/PoundsToPocket). I think the biggest advantage I had when talking to them, apart from being a "long term customer", was that I am talking on the phone in my job all day, so it is probably easier for me to convince people on the phone and I cannot be easily be harrassed. But they are quite tough on the phone. I think it would be good idea to create some kind of "script" with standard sentences to say when dealing with payday loan companies over the phone. This would probably help some people. I think the best method to fight back to payday companies is to use their methods against them. If they harrass you with numerous phone calls to you, why not call them numerous times (some companies are really small and they will notice that - I did that with MrLender ). If they have "scripts" to deal with customers, why not having a script yourself with standard sentences to say to them... Let me know if you need more information about SwiftSterling, or any others, and if yes, what exactly you are looking for. Thank you

Hi BigMan, I cannot give advice from experience as I pay Mini Credit in full due to their high charges and non-acceptance of repayment plans. This is obviously both too late in your case and also was not possible in your case. I would definitely report to both OFT and FOS. Some people here might say FOS is the wrong "address" as they are only regulated by OFT, but there was this article some year ago where Mini Credit closed the files for all who complained to FOS (if I understood correctly). OFT will obviously not help you in your case directly, but it is good the more complaints they get about Mini Credit. Keep all correspondence to Mini Credit so if it goes to court you can prove you wanted to set up a repayment plan and they "refused". Their stance obviously will be that they agreed to your repayment plan from the beginning (which they did), they just did not freeze interest and charges (which they cannot be forced to). Unfortunately there is little on these forums (similar to Toothfairy Finance) if actually someone was taken to a court room by Mini Credit and what the outcome was. The issues I see, but I am not a legal person, is that the fees and charges are in the agreement. In addition the agreement is open-ended. So from their point of view they did/do the following: - 1) They did not roll over (responsible lending) - 2) They offered repayment plan, but without freezing of charges/interest - 3) If you start paying back at some point (I think after 90 days) they will add no further fees/charges, "just" interest, to enable you to "actually" repay/reduce the original loan (according to OFT guidelines) I really would be so keen to know what a court outcome would be. In your case, and only if the monthly amount you could pay them does not exceed interest and charges, the best advice is probably to save some money to make them a full and final settlement over in a few months. If you go that route send them also letters to not call/visit you. Sorry to not be of greater help.

Hi Jamie, hi all, A quick update regarding Micro Lend: I phoned them and they were really nice and so helpful They were able to split it into two months, which is enough for me continuing on my road to a life without PDL, so I am very happy I will send them a christmas card Jamie: I agree with your other post that calling the lenders might get you better results than emailing

Hi samdk30, 247 moneybox: Try the live chat and make a print of the conversation. In my case they only agreed to split the payment over 2 months in a ratio of first payment 60% and second payment 40%, maybe you have more luck Only pay by standing order to their account (account number 11818031, sort code 40-03-04).

Hi Sidhu82, Here is some advice from my own experience with some of the lenders you mentioned. I do not know how much you have available each month to repay on your payday loans, so I cannot give specific advice, just some general one. Swift sterling -£650 loan > £844.87 on tue 31st Jul: This is a tricky one. They are only brokers (Northway Financial Corporation) and the actual lender is based in Malta. Because of the interest cap in Malta the majority of the "interest" is actual a broker fee. This can work to your advantage if you default as the interest will not accumulate too much. Another point to know is that if you took the loan out within the last 14 days you can withdraw from the contract and then you would only have to repay the original loan amount (without interest and brokerage fee) within the next 30 days to them. So if you took out the loan on or after the 9th of July the first step is to write to them that you withdraw from the contract. This will reduce the amount you owe to 650 GBP. Even if you took out the loan before the 9th of July I would try to withdraw from the contract, they might agree. The next step depends on the number of times you took out a loan with them. I took out with them several loans, so after I withdraw from the contract in January this year, I sent them an email stating my financial difficulties and that as a long term customer who always repaid my loans in full and on time I would expect some arrangement to repay the original loan amount. In their reply they gave me 6 months (until June) to repay the original loan amount and as I withdrew from the contract they waived the brokerage fee and interest. If this is your first loan with swift sterling they might put you in their usual "debt recovery"-procedure, which basically is that they hold your account for 60 days in which they expect payment. Depending on your available money I would still try to negotiate this further. As with all PDL, only repay by standing order to their bank account. Their bank account is Northway Financial Corporation, Account number 00647610, Sort code 30-00-09, quoting your reference number. quickquid - £500 loan > £625 on fri 27th Jul: They are easy to deal with as they are a big company. Contact them before you default (but after you have a "safe" bank account). They will only agree to a maximum of 4 monthly repayments which would be 156.25 GBP in your case. They do not require any documentation or Income/Outgoings forms from you and the easiest way to setup a payment plan is over the live chat on their website. I do not recommend to call them as they will try to talk you into "rolling over" when you speak to them, use the live chat instead. Make sure to make a screen shot of the conversation after you spoke to them and/or use the "print"-button in the chat window, and save it somewhere, so you have proof what was agreed (but they are a big company and usually also send a confirmation email). If 4 months are not achievable due to the amount you would have to repay, you can "stretch" it a bit by contacting them only 1 day before your loan is due, because then they will set up the first repayment not for end of July but for end of August. You can also be 1 month behind repayments after the first payment on this plan without consequences (apart from a 12 GBP late payment charge) - let's say you pay 1st rate end of August, 2nd rate end of October, 3rd rate end of November and last rate end of December. This would effectively give you 5-6 months to repay and some breathing space in the first month. Unlike other companies they will not add other exorbitant charges or interest to it. If you cannot afford 4-6 months repayment on them, then you will have to wait until they pass the debt on to their DCA (which they will do after 90 days). Their DCA will be able to set up a repayment plan up to 18 monthly payments. I do not know your credit rating and if you want to "keep" it, but basically if you set up the repayment plan over 4 months with them it will either not show up at all, or it will show up as 'Payment arrangement' on your credit file. If they pass it on to DCA it will show up as 'Default'. But do not worry too much about your credit rating, because there is no other way out than repayment plans. If you do not start repayment plans now your debt will grow (mine grew to nearly 11000 GBP with 14 payday companies). QuickQuid does not have a UK bank account to receive payments, you can pay by card over the phone. I set up a third bank account just to pay them and only paid in this bank account every month the repayment rate and then phoned them to pay. Do not set up a direct debit with them (on the third bank account) if you try to play "the delay game" I mentioned above to get an extra month, because then they will try to debit several times and this will incur charges on your bank account. mini credit - £100 loan > £125 on fri 8th Aug: Again I do not know how much money you have available each month, but for this one my only advice is to try to pay them off in full and not to re-loan from them. In my opinion they are the worst (even worse than toothfairy). They will do short payment plans in the end, but only after a lot of hassle and a much bigger lot of charges added. toothfairy - £400 loan > £472 on thurs 26th Jul: These are extremely difficult. You have to email them via their contact form on their website. Do screen-shots when you fill them in and save them so you have proof. Their system will trigger auto-replies if you use "key words" (e.g. repayment plan, debt management program, etc.). I would suggest to write one email via their contact form informing them about your financial difficulties and asking for a repayment plan. You will then get in 10 seconds a "reply"-email in your inbox simply stating "We cannot accept a payment plan". As a next step I would use the contact form again to email them to reconsider their position. Keep this second email short and do not use any of the "key words". This way their system cannot deal with the response and you will get a "manual typed" response from a "living person" (after a few hours probably or on the next day). This response will be that they do not do repayment plans and listing your "repayment options". Obviously this does not bring you anywhere near where you want to be, so these two emails above are just to cover yourself in case you need it as a defense later on. I could not figure out a way to deal with them, what will happen is that they will add interest at the same rate continuously, and some small charges (10 GBP every 14 days). Then after 56 days they will add 350 GBP fees as per their contract. I am unsure what will happen when they finally go to court after months, as most threads here do not show a final outcome. Some of the threads show some kind of full and final settlement, but considering that the debt will spirale from 472 GBP first to 1212 GBP (after ca. 3 months) and then to 1912 GBP (after 6 months) it would be interesting to know what percentage of the claimed amount actually was paid in the end. Anyway, depending on your available money to repay I would try to repay them soon. Probably pay MiniCredit and Toothfairy first this month if you can, and then use the next month for negotiations with the other lenders and start repaying them only from next month onwards. paydayuk - £600 loan > £750 on fri 27th Jul: I arranged my repayment plan with them over the phone and they were a bit rude and pushed me into a higher rate, which I only after 3 months "adjusted". So I think also here try email to negotiate. They arrange plans for up to 12 months (I have read even up to 18 months). Pay only by standing order to their bank account (MonthEndMoney, Sort code 60-00-01, Account number 39524906) and always quote their reference number (your 7-digit loan number). mr lender - £400 loan > £450 on fri 27th Jul: They will try to negotiate over the phone, and worst they will definitely try to say that you have to "roll-over" for 3-times before they can put you on a repayment plan. The best I could managed was to roll-over once, then next month paid the interest only, but made them to waive the interest payment at the end of the repayment arrangement. It also depends how many times you already borrowed from them. I did a lot, so this was a plus on my side in the negotiations. Stay tough with them, and actually this is one lender where it helped to negotiate over the phone, because I simply did not hung up but repeated "Roll-over is getting me nowhere, I need a repayment plan now" I think in the end they were more fed with me than I was with them They do repayment plans over 12 months. Only pay by standing order to PDL Finance, Account number 21538284, Sort code 40-06-23, quoting your 8-digit reference number. wonga - £1000 loan > £1417.13 on thurs 9th Aug: They are easy to negotiate with, though they might require a basic I/E form. They do repayment plans up to 18 months, negotiate by email, pay by standing order to Wonga, Account number 21544926, Sort code 40-06-09.

Hi Samdk30, Here is more advice to Wage Day Advance from my own experience: They will agree only to 6-8 months repayment and they are difficult to negotiate with. They will try to push the monthly rate you can afford up (they pushed mine from 50 GBP offer to 84 GBP) so beware to discuss this with them. Negotiate by email only. Try to expedite the negotiations with them, because they will add charges and interest to it until the repayment plan is set up, so better finish the negotiations before the loan is due this month. Pay only by standing order to their bank account (Wagedayadvance, Sort code 20-45-14, Account number 90931772) and always quote their reference number (your loan ID). Beware: They will set up a new direct debit on your "old" bank account every month one day before your payday for the whole amount outstanding despite agreed repayment plan. So you have to watch your account and delete this direct debit every month, even if no money on your account (as otherwise you will incur bank charges). And here advice for PaydayUK: They arrange plans for up to 12 months (I have read even up to 18 months). Pay only by standing order to their bank account (MonthEndMoney, Sort code 60-00-01, Account number 39524906) and always quote their reference number (your 7-digit loan number). Like you I have payday loans since years now, and I am trying to "break out" of this cycle since beginning of this year. I have meanwhile reduced my payday debt by half, but it really seems the only way to break out is with repayment plans. Do not take any new payday loan/roll-over next month. Instead try to spread the amount you have available to repay those loans over as many lenders as possible (after repayment plan). I am saying this because I was tempted (and did two months ago) to take out further loans to repay the "difficult to negotiate with"-lenders. This is obviously getting nowhere... If you let me know the other PDL companies you owe to I might be able to help.

Hi everyone, I am defaulting tomorrow on my toothfairy loan. I have read a lot in this forum about them and am aware of the charges and issues with them. The current situation with them (from email communication I had with them) seems to be that they do not accept any repayment plans at all (previously I have heard they accept 6-weeks-plans). My questions to any of you who had experience with them: - Has anyone managed to set up a repayment plan with them directly (not with NDR, etc) and if yes, how many months and at what point in the negotiations? - Has anyone ever been taken to court, and if yes what was the outcome? - If at some point the debt (currently in my case 472 GBP) spirals to e.g. 1212 GBP, and someone paid a percentage in full and final settlement, what percentage/amount was to pay? - Has anyone ever tried within the 14 days to withdraw from the contract (but not paying immediately) just to avoid the charges (not the interest)? Would that work legally? Any advice from your experience is much appreciated! Thank you

Hi everyone, As you probably read in my other post I had several payday loans with multiple lenders for years, and since beginning of this year I am trying to "break out" of this "spirale of debt". With Quick Quid alone I had so far 27 loans, paying a total of 6,355.00 GBP in interest alone. The latest still active loan of 1,800.00 GBP (including interest) I took out in February this year. I contacted them twice since for a repayment plan, but only managed to set up one over 4 months. They informed me twice that this is the maximum they can do for me. I paid 3 of the 4 instalments, but am struggling to pay the last one (438.00 GBP) end of this month. Ideally I would have thought to come with them directly to a mutual agreement, as a long-term customer, and as I am obviously willing to repay, and would prefer not to have them passed it on to a DCA. Most of my other PDL lenders I borrowed from agreed to plans lasting 8 - 12 months. My question therefore is if anyone on this forum ever managed to agree a repayment plan for more than 4 months with them (with them directly, not with a DCA)? Any help is much appreciated! Thank you

Hi Cjefc, I was and still am in a similar situation, as probably a majority of those who start to take out payday loans. You are definitely doing the first step in the right direction by trying to set up repayment plans with those companies instead of "rolling over". I do not know how much you have left over every month to repay those loans, so I cannot give specific advice, but I can give some general advice from my own experience with those companies you lent from: - Quick Quid £1,819: They are easy to deal with as they are a big company. Contact them before you default (but after you have a "safe" bank account). They will only agree to a maximum of 4 monthly repayments which would be 455 GBP in your case. They do not require any documentation or Income/Outgoings forms from you and the easiest way to setup a repayment plan is over the live chat on their website. I do not recommend to call them as they will try to talk you into "rolling over" when you speak to them, use the live chat instead. Make sure to make a screen shot of the conversation after you spoke to them and save it somewhere, so you have proof what was agreed (but they are a big company and usually also send a confirmation email). If 4 months are not achievable due to the amount you would have to repay, you can "stretch" it a bit by contacting them only 1 day before your loan is due, because then they will set up the first repayment not for end of July but for end of August. You can also be 1 month behind repayments after the first payment on this plan without consequences (apart from a 12 GBP late payment charge) - let's say you pay 1st rate end of August, 2nd rate end of October, 3rd rate end of November and last rate end of December. This would effectively give you 5-6 months to repay and some breathing space in the first month. Unlike other companies they will not add other exorbitant charges or interest to it. If you cannot afford 4-6 months repayment on them, then you will have to wait until they pass the debt on to their DCA (which they will do after 90 days). Their DCA will be able to set up a repayment plan up to 18 monthly payments. I do not know your credit rating and if you want to "keep" it, but basically if you set up the repayment plan over 4 months with them it will either not show up at all, or it will show up as 'Payment arrangement' on your credit file. If they pass it on to DCA it will show up as 'Default'. But do not worry too much about your credit rating, because there is no other way out than repayment plans. If you do not start repayment plans now your debt will grow (mine grew to nearly 11000 GBP with 14 payday companies). Better to stop this now:-) QuickQuid does not have a UK bank account to receive payments, you can pay by card over the phone. I set up a third bank account (BankOfScotland - EasyCash) just to pay them and only paid in this bank account every month the repayment rate and then phoned them to pay. Do not set up a direct debit with them (on the third bank account) if you try to play "the delay game" I mentioned above to get an extra month, because then they will try to debit several times and this will incur charges on your bank account. Payday Express £938: I have no experience with them unfortunately. They were the only company I never lent from Wage Day Advance £775: They are "medium" to deal with but not impossible. Try not to call them as they will definitely try to accuse you and force you to pay (they were not really harassing on the phone, but quite "pushy"). Contact them before you default (but after you have a "safe" bank account). They will agree only to 6-8 months repayment and they are difficult to negotiate with. They want an Income/Expenditure form and I actually sent them one. Some people on the forum say to not send this form, this is up to you. If you send them the form they will try to push the monthly rate you can afford up (they pushed mine from 50 GBP offer to 84 GBP) so beware to discuss this with them. Do not call them, negotiate instead by email only. Try to expedite the negotiations with them, because they will add charges and interest to it until the repayment plan is set up, so better start soon. Pay only by standing order to their bank account (Wagedayadvance, Sort code 20-45-14, Account number 90931772) and always quote their reference number (your loan ID). Beware: They will set up a new direct debit on your "old" bank account every month one day before your payday for the whole amount outstanding despite agreed repayment plan. So you have to watch your account and delete this direct debit every month, even if no money on your account (as otherwise you will incur bank charges). They might report to the credit agencies as 'Payment arrangement'. Lending Stream £635: They were easy to deal with I would say. Contact them before you default as they also will add charges and interest otherwise. They agreed to a 12 month repayment plan quite easily by email. Pay only by standing order to their bank account (LendingStream, Sort code 20-19-90, Account number 13434028) and always quote their reference number (your 6-digit agreement number). In case you have several "agreements" with them you have to negotiate for every agreement and pay them separately. They will report to the credit agency as 'sustained delinquency' - which I think is incorrect as it should be 'Payment arrangement'. Not sure if they messed up my case, when I have time I will try to get it corrected and then can let you know. PaydayUK £440: I arranged my repayment plan with them over the phone and they were a bit rude and pushed me into a higher rate, which I only after 3 months "adjusted". So I think also here try email to negotiate. They arrange plans for up to 12 months (I have read even up to 18 months). Pay only by standing order to their bank account (MonthEndMoney, Sort code 60-00-01, Account number 39524906) and always quote their reference number (your 7-digit loan number). They mark on the credit file as 'Payment arrangement'. I hope this helps a bit. Do not feel embarassed, it is not your fault, and try not to feel to sick. See it positive, you will get out of this hell and you take back control over your money. I managed after 6 months of repaying to half my debt with those. I am currently struggling again, but I will manage the other half as well! I agree that money owed should be repaid, but these companies benefit definitely from this "spirale of debt", I truly believe this is part of their business model, so do not have too much feelings for them. You have to get out, so stay as tough as you can with your negotiations and never accept a further "roll over". On the other side you are very lucky, because the companies you lent from are not the worst. There are much worse PDL out there (e.g. Minicredit, Toothfairy) which are nearly impossible to deal with. Keep us updated how you are getting on with them!

Hi Jamie, thank you very much for checking, and for the information. I will try the 3 months. Sorry to have reminded you! I hope you will get some sleep. They finally will grow up

Hi Jamie, thank you for your quick response and congratulations to the new addition to your family! Very useful advice. So it seems Micro Lend is one of the urgent ones with the most impact, so I will call them next Monday and see what I can work out with them. If they would accept to split the repayment over 3 months that would leave me enough to pay off Mini credit in full. Just in case Micro Lend does not accept, do you remember how long it took them from defaulting until the court would decide on attachment of earning? Once I spoke to them, I will then try the others and go and try with the split times you mentioned. Thank you again for your help, I will keep you updated.

Hi there, I got myself into a complete mess with payday loans. I am already fighting my way out, but would need further guidance from all the experienced people here how to proceed. The very short version of my story is that I started taking out my first payday loan back in 2009. I then was unable to repay in full (well actually I repaid in full but had to take the loan out again later in the month, so effectively "rolled over") and the amounts gradually increased. In December 2011 I was at a point where the sum of my outstanding payday loans were nearly 11000 GBP and where I paid nearly 2000 GBP month after month on interest alone. I must have paid over 20000 GBP on interest over these years and this makes me so angry with myself... Then beginning of this year came the breaking point. Lucky for me I found this forum and so I cancelled my debit card, contacted the payday lenders and tried to arrange repayment plans. Some (a few) were surprisingly helpful, others were not so helpful, but I managed to get a plan with most of them. The issue was that my aim was to not have a default on my credit rating. So despite paying off monthly to them, some lenders did not agree to my proposed 12 months repayment plan and insisted on shorter periods (some 6 months, some even shorter). So I paid these higher amounts with the "help" of "fresh" payday loans. After 6 months of repayment I managed to reduce my payday loan debt from 10732 GBP in Jan 12 to 5352 GBP today. Some of these 5352 GBP are "fresh" rolled over payday loans, some are outstanding balances of repayment plans. I can see the amount rising again so I think I will not be able to avoid a default on my credit rating, so I am prepared to simply default on some of the fresh loans as this definitely has to stop now and I will not take out another payday loan next motnh (or roll over). Here is an overview of the companies and amounts (incl interest): Microlend 780 GBP - "fresh" loan, due 31 Jul Wonga 620 GBP - "fresh" loan, due 31 Jul (I already repaid over 6 months a 200 GBP my previous Wonga loan, no idea why I even got a new one coming fresh off a repayment plan!!) Lending stream 600 GBP - on repayment plan - monthly 75 GBP Toothfairy 544 GBP - "fresh" loan MrLender 520 GBP - on repayment plan - monthly 65 GBP British Pearl/Spondoolies 450 GBP - on repayment plan - monthly 50 GBP SafeLoans 440 GBP - "fresh" loan QuickQuid 438 GBP - on repayment plan - the 438 GBP is the last payment due on 31 Jul MEM/PaydayUK 300 GBP - on repayment plan - monthly 60 GBP Pounds2Pocket 212 GBP - 212 GBP is the last rate due on 31 Jul TxtLoan 150 GBP - on repayment plan - monthly 40 GBP Minicredit 130 GBP - "fresh" loan WageDayAdvance 85 GBP - on repayment plan - monthly 85 GBP Speed-E-Loans 52 GBP - on repayment plan - monthly 52 GBP CashOnGo/Peachy 26 GBP - on repayment plan - monthly 13 GBP My "available" money each month to pay these off is 1150 GBP. But with the "fresh" loans above I would need to pay over 3600 GBP on 31 Jul to satisfy all. Now the advice I need, if anyone has experience with: - Do some of these companies accept full and final settlement offers, or is this something you can only offer the DCAs? - If yes, what percentage is reasonable? - Some of the above I read here add exorbitant charges if I default (e.g. Toothfairy, Minicredit). I am afraid that these charges will bring me further in debt. Anyone has experience how to deal with these and if they "write off" some of the charges later on in the process? - Will Wonga set me on a repayment plan again?? - Any idea who to pay on 31 Jul and who can wait?? Any help on the above questions, or any other help is so much appreciated. Thank you very much!