Ok thanks for the helpful advice from everyone. Could someone put my mind at ease for the following: since I have now opened a new account with Halifax and they are switching my direct debit (which there are 3 that I know of), can someone confirm that with this bank switching that no PDLs will know about my new account. Already got my salary changed myself to be paid into new account and I will be one who closes the Barclay one. I really hope I have not made a big mistake with this bank switching and the PDLs will find out.

when you say get the toothfairy and swift responses to OFT, do you mean I should just forward these response onto OFT?in the meantime, how do i response to both of these?

Payday express have also sent me an automated email saying I still have £80 available on my payday express credit limit

here is reponse from swift sterling > Thank you for your email. We would like to inform you that we do not offer the option for a payment plan.The loan will need to be repaid back in full. If the payment is not made on the repayment date, a late payment fee of £59.00will be added on to your account and the file will be moved to one of ouraccount managers who will be able to hold up your file with him for a fewweeks. After this time frame, if payment is still not made, the file will be passed onto a third party collection agency. Should you require any further information, please don't hesitate to contactme. Sincerely,KatianaPayment ServicesSwift SterlingPhone: 08000 124 087

Toothfairy: Dear ,Thank you for emailing us.Payment PlansIt is always advisable to stay in contact with your creditors to avoid additional penalty charges.Loans are meant to be repaid in full at the end of the initial loan term. This is made very clear in the terms and conditions you agreed to when you took out the loan. We cannot accept a payment plan. Please confirm when you will be making FULL PAYMENT to close your file. Please note payment of GBP 472 needs to be made by 25.07.12 to stop this file being passed to third party Recovery Agents and further fees being added.however......you can rollover / extend your loan by just paying the interest on day 28 of your loan. You will receive an email explaining this when you are eligibleThanksCollections TeamToothfairy Financet: 08000 882 222

here is the response i have received so far:

I have now called barclays and cancelled my card and been to halifax bank to open a new current account which they were very helpful with and set me up on the reward current account using just a £10 deposit. So my salary which will come in on friday is hopefully safe for now. There is nothing in my barlcays account at the moment so they would not be able to take anything out. Halifax said they will switch my direct debits from barclays - i only have 3 debits listed so i think that is fine. Can someone confirm that none of the PDLs will know about my new account. Still waiting for responses from the emails I have sent to the PDL companies. Will update when i get responses

I get paid this friday so do i have enough time to open a new account. Applied to halifax for the easycash account but they say it can take up to 7 working days and my details will come through post.anyone know of another bank that i can go into and get a basic account so they give me the account number and sort code straight away?

How do I say that in an email without them thinking I am trying to cause problems? I dont want to sound like I am not co-operating as I do wish to pay these off. Could someone tell me if the PDL companies I have loans with are strict or happy to help me with a payment plan. This way I know who is going to cause most problems: Wonga Quick quid Pduk Textloan Toothfairy Swift sterling Uncle buck Payday express Mr lender Mini credit I am more concerned with the higher repayment ones as I don't think I would be able to cope if they keep increasing the interest.

I have received a second response from swift sterling saying the same thing again so I have sent same email back. I don't know what I should do and any help and advice will be most appreciated.

And here is the reply from swift sterling: Thank you for your email. Please contact our Payment Services Department on 08000 124 087 or 0333 136 0005 at your earliest convenience to arrange payment. Their hours of operation are Monday to Friday, 8am to 8pm. Kindly note that Payment Services are only available via phone and would not be able to answer queries via email. Kind regards Jessica Customer Care Representative

I have already received my 1st response from txtloan: Thank you for contacting us. We are sorry to hear that you are finding it difficult to manage financially at the moment and we hope that things will improve for you soon. In view of your situation, we can confirm that we will accept your offer of reduced payments towards your outstanding balance of £468.* We have agreed to accept the reduced payments for the first 6 months. Unless we hear from you, we will try to debit the remaining balance in full on the 7th month.* The repayment plan is as follows: Loan ID: 722356 REPAYMENT PLAN: Date: 2012-07-31 | Amount £30.00 Date: 2012-08-31 | Amount £30.00 Date: 2012-09-30 | Amount £30.00 Date: 2012-10-31 | Amount £30.00 Date: 2012-11-30 | Amount £30.00 Date: 2012-12-31 | Amount £30.00 Date: 2013-01-31 | Amount £288.00 Total Sum: £468.00 Our bank details are as follows: Bank - HSBC* Account in the name of - TxtLoan Ltd* Account number - 42028948* Sort code - 402103* Reference number – 722356 Please note that bank transfers may take up to 3 working days to be processed so please make sure to* allow enough time for your payments to reach by the specified dates. If you fail to follow the repayment plan the loan will continue to follow the original credit cycle as per your loan agreement. It is important that you adhere to the payment schedule. If at any point you are unable to make a payment on time, please let us know in advance so we may reach a mutually acceptable solution.

Hi I have been reading through the forum all day and I am also having problems with payday loans which have now gone out of control. I don't know what to do anymore or how to get out of it. At the moment, I have the following loans: textloan - £400 loan > £468 on thurs 26th Jul * toothfairy - £400 loan > £472 on thurs 26th Jul quickquid - £500 loan > £625 on fri 27th Jul paydayuk - £600 loan > £750 on fri 27th Jul payday express - £450 loan > £580.50 on fri 27th Jul mr lender - £400 loan > £450 on fri 27th Jul swift sterling -£650 loan > £844.87 on tue 31st Jul uncle buck - £300 loan > £390 on tue 31st Jul mini credit - £100 loan > £125 on fri 8th Aug wonga - £1000 loan > £1417.13 on thurs 9th Aug I am really stressing out now and beginning to panick even more so that I have my car insurance due this week which is gonna be another £450 or so. I have followed the ideas on the forum and emailed companies requesting a payment plan and freeze of interest I'm with Barclays bank and tomorrow will report it lost but still concerned these PDLs have my details. If anyone can help me I would appreciate it knowing there is some light at the end of this. Thank you