No I didn't. So I should I be making a complaint to them/someone else? They're going to be getting £1 a month for now and I will pay until they have had the principal and one month's interest IN TOTAL and ignore any extra interest they have been adding yea?

They were asking me for proof that I hadn't taken the loan after becoming unemployed and I couldn't find it (to be fair it was very close between me losing job and taking loan though i think I took the loan after...) "1 28/02/2013 £11.18 2 28/03/2013 £33.18 3 26/04/2013 £33.44 4 28/05/2013 £34.14 5 28/06/2013 £33.93 6 26/07/2013 £33.43 7 28/08/2013 £34.11 8 27/09/2013 £33.80 9 28/10/2013 £33.88 Until we haven´t arranged a repayment plan our system still tries to collect the full amount and also additional charges and interest will be added. Please note that with this repayment plan, you will have the loan for 9 months instead of the original 26 days which you agreed to when you signed the Credit Agreement. Although there will be no additional penalties added for the overdue time during the repayment period, a small daily interest will remain and that is why the total of the repayment plan will be slightly higher. Please confirm if this is suitable for you, in order to finalize the repayment plan." I have stuck to it up till payment 4....

Cheers renegadeimp, just needed some confidence from here. Just write them a letter via recorded delivery stating the above i suppose? Will email do? So annoying I opened another account with barclays but now wonga and quickquid have those details. I hope they dont raid account And then set a £1 - payment going

Is that including halifax?

pduk having a laugh! I transferred around £150 yesterday to my old halifax account which they have the details of which was stupid but i needed some money available to do some things as i don't have all the parts of my new account yet. The money was taken and I suspected it was by these people as they were the only ones who hadn't accepted payment plan. I told them I was NOT deferring and to not call me anymore - only write to me. She had called at 8.30am and after i made my request she said "we ill continue to call you we are allowed to" I told her no you are not and mentioned harassment and the OFT and FSA so I wrote asking for their bank details so I could make payments: ------------------------------------------- Please can you confirm your bank details so I can arrange a standing order and payment to be made. My account was raided today though I do not know by who yet. Please be advised that if this was by yourselves then you will still be repaid the rest in the timely manner that I offered. Any monies taken today will cancel the next installments until the balance taken tallies up with the repayment plan as I have now been left on more financial difficulties Many thanks ------------------------------------------- Dear Thank you for your email. You have made payment of £159.25 (£87.00 charges and £72.25 off the loan) which will be used as this month’s deferral repayment. We will defer £227.75 to your next payday, on which you would be required to repay £293.80 including charges. Please confirm you are wanting to set the deferral by either email or you can contact the office on 0800 280 2666. Until a deferral has been set your account is not on hold and payments can be tried at any time. Kind Regards, Stacey Customer Care Team ------------------------------------ they are crazy if they think I a paying any deferral payment. They claim that I can afford it so I must. They wouldnt discuss a repayment plan before the loan was due, and then when it was overdue they still wouldn't claiming that i could still afford to defer. I have no intention to pay anymore than the original amount plus one month interest. The way I see it is that I had offered £34.67 per month for 12 months, and they have taken 150, so that is around 4 months worth. I don't intend to make another payment for 5months. Thoughts and suggestions please?

Wonga are sorted; have accepted my offer. Paydaycontact are saying that I can afford a deferral repayment, so i have to do that (I think maybe I didn't send them the list of other creditors?) I phoned them against all advice as I know I can hold my own on the phone (am in sales after all and he said the same. They would try to take the payment and if they coudlnt then they would call me to discuss other options availble. Joke if you ask me. I went into halifax to ask for loan to pay back overdraft and they said if I am offered one it would me 29.9% APR. Jokers. I have opened a new account with barclays (felt they might need the business since liborgate and would take me one!) and they have sent me account number and sort code. Have given this to HR but she isn't back until tuesday and we get paid on 31st, I gues by BACS which probabvly goes thursday so am hoping she can do it before then. Lendingstream have not replied to multiple follwup emails but they did say "However, please be informed that payment arrangement can only be set up over the phone once you have sent the above mentioned documents." I think it is still unforgivable that they haven't replied to my emails. Still pretty stressed!

Can anyone suggest what I should say to them please? 1 sorted three to go; no reply as of yet from wonga. I haven't heard from lending stream in over a week despite three emails asking them.

Thanks very much. What lines am I looking for? I've seen them in other threads but can't see them now! Have you got an easy link or do I need to look through http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT664Rev.pdf ? Cheers Imp!

Safeloans are agreed now with £30 a month. I know I shouldn't have pandered but I was getting stressed that none of these were setup. Paydaycontaqct (MEM?) are having a laugh. I never asked about anything to do with deferral: "account.services@paydaycontact.co.uk 4:09 PM (0 minutes ago) to me Dear Thank you for your email. We can see from your Income and Expenditure you have enough left over to make a deferral payment. Unfortunately we are unable to offer the interest only deferral. However, we are able to offer the second option deferral where you pay the interest, plus a further amount from the principal loan amount, leaving a lower repayment for the following month. If you would like us to put this second deferral option in place please confirm your pay date for the following month and your usual pay frequency. If you have any further questions please do not hesitate to call us on 0871 271 6111^ As we work with a Credit Reference Agency, we share your account information on a monthly basis, so when you repay your deferral on time, this may help to improve your credit rating. However if you do not repay on time this could have a negative impact on your credit rating. Kind Regards Faye Customer Care Team PaydayUK (T3L), PO Box 255, Bicester, Oxfordshire,OX26 4ZY Telephone: 0871 271 6111^ Fax: 0845 127 4365" Can I just write back and say F U?

Dear Mr We will enter all payments tendered against your account but we do not accept your offer of £21.67 payment as a reasonable offer of payment, please note all late payments will be recorded against your credit file, your credit file will clearly show the amount of monthly payments that are missed and overdue the original agreement date. You may find this will have an adverse effect on your credit rating as most lenders will use credit reference agency information for making lending decisions. When you applied for the loan on 01/08/2012, you completed a budget planner which helps us in assessing the affordability of your loan, your budget planner showed a surplus and confirmed your financial ability to repay the loan, you did not disclose any of the debts you now claim currently to have outstanding, if you would have disclosed your correct monthly outgoings on the budget planner, we would have declined your loan application. The balance owing to settle your account is now frozen of any further interest at £240.00. If we decide to seek court action against you to protect our interest in the debt, we may present all known facts in the case should we pursue any court action against you and we will seek all reasonable costs to be added to your account. Our Bank Account Details: Payee: Safeloans Ltd. Barclays Bank Account No: 90071110 Sort Code: 20-24-64 please use this reference number: ----------------------------- Nice of them to freeze interest early (should be £260) however no accepted offer. Counter-offer time? I haven't managed to get a new bank account yet and wages transferred so am a bit freaked about wages all going on the 31st. I have applied to barclays, waiting for their reply

Got a nice email from MEM! Don't know how they "attempted" to contact me seeing as my mobile hasn't rung. I hadn't heard from then so I wrote "Dear PayDayContact I am writing to see if you had actioned my request. Many thanks" ----------- Their email to me later (not a reply to my message, just an email) which is probably just their standard email to try and get people to extend is it? : Dear , We have tried to contact you today to discuss your Payday loan repayment options. Your repayment options are as follows: Option 1 – Defer your loan By deferring your loan you only need to repay the interest amount on your next payday. Your loan will then be extended for a further month so that you repay the full amount on your following payday. Option 2 – Repay in full When you repay your loan in full you may be automatically approved for a new loan, possibly of a higher amount. Your new loan could be deposited into your bank account via the Faster Payments Service on the same day, free of charge.* If you want to arrange a deferral, or apply for a new loan please either contact our friendly Customer Service Team on 0871 271 6111^ or login to your Existing Customer Login Area where you can manage your account 24/7. Existing Customer Login Area https://www.memcapital.com/am/login.aspx?p=T3L If you have lost or forgotten your password, then please visit https://www.memcapital.com/am/PasswordForgotten.aspx?p=T3L. Kind Regards, Customer Care Team PaydayUK (T3L) PO Box 255 Bicester Oxfordshire,OX26 4ZY Telephone: 0871 271 6111^ Fax: 0845 127 4365

Well i just replied writing exactly what you said, adding the line "Please send confirmation of agreement along with your bank details so I can arrange a standing order." in reference to their last line! I hope they reply in the next couple of days. I think it is time to let wonga know there is going to be a delay.

Yes but I didn't want to start off negotiations being abrasive. I will reply saying :"Adding any interest will simply detract from my ability to pay off all my creditors. As you can see I can only afford a certain amount towards the repayment of my debts. I have allocated this money to my creditors on a pro-rata basis. My offer of 21.67 per month for 12 months stands, and we can re-asses the situation in three months." Good enough?

1 offer received. I had just sent my payslip as requested to safe loans and lending stream. I am still waiting on pduk to make an offer. They left a message on my voicemail asking me to call as did lending stream. I did but they didn't have anything to say/offer apart from telling me that I had a due loan on 31st! I asked about my emails and said I would wait for them to contact me in reference to my emails. Got about a week to get this sorted. Here is reply from safe loans. I had offered them to repay over 12 months, at £21.67 per month if they agreed to freeze interest. Their counter offer is 6months with a reduced interest rate: Dear Mr. Unfortunately your payslip does not have your salary date showing . We are willing to arrange the following payment plan on your account with a reduced rate of interest of 10% : £51.26 - 31/08/12 £51.26 - 28/09/12 £51.26 - 31/10/12 £51.26 - 30/11/12 £51.26 - 31/12/13 £51.29 - 31/01/13 Please email confirmation of the above along with your debit card details for repayment and i will set your account accordingly. Regards, Safe Loans ------------------------------------ Next move? How long should I leave the others before chasing? Thanks very much!

it does show who and what i owe to other people to tho ~(excl halifax, didnt know where to put that)

I've done all my incomings and expendature but the budget summary sheet from that site seems to give a lot of detail which I understood you didn't need to?" I had another two repies, one where they want lots of details and one where they are asking for I&E and copy of my payslip. From what I understand they don't need to see my payslip, but I have nothing to hide. I mean I want to keep these people onside and be curtoeous as much as possible instead of "THIS IS HOW IT IS. THIS IS WHAT YOU GET. THESE ARE MY RIGHTS"? ----------------------------------- Good Morning Mr , Thank you for your email. If you are experiencing genuine financial difficulties at the moment, please send to us your Income & Expenditure report along with your latest payslip and contact our helpful team of payment negotiators on 0845 351 1482. We are willing to work with you to clear the outstanding balance and can set an arrangement for an affordable monthly installment. However, please be informed that payment arrangement can only be set up over the phone once you have sent the above mentioned documents. We look forward to hear from you. Regards, Customer Care Team, Lending Stream -------------------------------------- " Thank you for taking the time to inform us of your current situation. In order for us to agree a suitable payment plan for you we will need you to complete the below income and expenditure form detailing your monthly income and outgoings as soon as you can: Number of people residing at property (please break down into adults and dependant children) Monthly Salary: £ Other Monthly Income (Benefits, Pension etc): £ Total Income £ Rent/Mortgage: £ Utility Bills: £ Mobile Phone: £ Groceries: £ Credit Card and/or other Loan payments: £ Other (please provide breakdown): £ Total outgoings £ Amount left over £ Please also advise what other credit commitments you have and how much your arranged payments are to each. Once we have this an agent will make an assessment and propose an arrangement which assists you in repaying the balance and supports your current financial situation. Please fax this to us on 0845 127 4365 or alternatively email it to us on this address. You can contact the office on 0800 280 2666 (Call charges may apply depending on your telephone provider) between 9:00am – 8:30pm Monday to Friday and 10am – 3pm on a Saturday should you have any further queries. If a suitable payment plan is not agreed by your loan due date, then the full payment will fall due and payments can be tried at any time in accordance with your loan terms and conditions. As we work with a Credit Reference agency, we share your account information on a monthly basis, so when you repay your loan on time, it may help to improve your credit rating. However if you do not repay on time this may have a negative impact on your credit rating. Kind Regards, Faye Customer Services PaydayUK (T3L),"

so how much info do i give them? rent/car/food? How much is one allowed for "entertainment"

Dear Mr.*** Thank you for your email. Sorry to hear of your current situation. Please provide us with a breakdown of your monthly income and expenditure to allow us to look at arranging a repayment plan with you. Regards, Safe Loans

wow wonga a bank? please god no! I have emailed all apart from wonga who i will write to closer to the time I will let you guys know when i receive some replies. thanks very much

How about this as a letter: Dear Sirs, I have recently come into some financial difficulties which is going to make it impossible to pay all my creditors as I hoped. I have looked at my outgoings and am writing to hopefully arrange a repayment plan with yourselves which will be manageable. I will owe you £260 at the end of the month, and would like to offer to repay this over 12 months, at £21.67 per month. If my financial situation improves then of course we could re-asses the plan. I hope your are agreeable to this and await your reply. Many thanks my name

Thank you so much for your replies. Pdl victim, do you think it is too early to contact them or is it never too early? I am just basing this on what wonga said to me? Also good news I guess that I apparently chose companies who are reasonable (?) when it comes to these things! To be fair I was being generous with myself saying 1k, I could probably squeeze a bit more out and would like to get it done in a year or sooner if possible. I will offer them all 12 months. I will write the letter now and get it ready to send depending on your reply as to whether it is too soon. I guess I have enough time to get my wages paid I to another account if they haven't all agreed in the next 10 days or so. Thanks again

Hello I don't know what else to say apart from I have been an idiot with gambling and payday loans I have taken out too many payday loans and I can't afford to pay them back. I don't want to do the extending thing. I earn 1200ish after tax I need i would say 1k to live and work. As of today I owe: memcapital £387 safeloans: £222 today £260 at end of month wonga 435 at end of month maybe the worst lendingstream seems to have some 6 month schedule which i didn't ask for : loan amount £320 total to repay £416 payment schedule £96 £160 £140 £121 £102 £83 which is obviously ridiculous... Wonga I have already paid back 50 of what I initially owed ( I called to ask for repayment plan but was told it was too early into the loan and I should call back a week before it is due, I have dealt with wonga before when i didn't have a job and they lent me money and they were ok about spreading the repayments). I paid the 50 to get the ball rolling. They are all due 31st this month. I am so panicked and stressed now please help I would like to offer them all £50 each, what is the best way of going to about it? I also just recieved the not so great news that my halifax student account is turning into a regular account and my £3k overdraft is going to be charged at £3 per day. That's a high apr if you ask me, any advise (not so pressing P) Thanks in advance!