Hi, sorry if this isn't the correct section, I had a look but couldn't find any other relevant section. Last month I was in pretty bad debt with PDL's so i went to Every Day Loans and they gave me the £4000 I needed to clear them at 85% APR over 3 years so I am paying £310 per month. Since the interest is quite high I am hoping to work enough overtime at my job to try and pay the loan off after 1 year but I was wondering if I have to pay the initial £4000 or do i need to pay the £11,000 (total with all interest over 3 years) to clear it early? I googled it before hand but couldn't find the information I was looking for. Thanks a lot Jack

This is the reply i received, its getting pretty close the to 25th, should i cancel my DD if this doesn't get solved by the 24th ? Thank you for your email. We can confirm that the terms and conditions you agreed to when you signed up for your membership stated that if a payment is missed any reason an administration charge will be incurred. As this is something you agreed to, we are unable to remove this charge from your account. We are due to debit the payment on the 25th January 2015. We trust you find this to be in order.

Thanks a lot for the replies, what happens if it turns out that it was my fault? should i just pay it and accept it or still refuse to pay it.

Hi guys ill keep it short and sweet, i just received a letter from harlands saying i didnt pay my january membership even though i had money in my account and still have money in my account so i dont feel i should have to pay a £25 fee for this. what would the best response be and should i contact harlands or just contact the gym ?

yes thats what it asked me for and there was no link saying get a UTR now or anything

just been on the site but its really confusing, it asked me to sign up so i tried but that it asked me for a tax number that you can only get from a tax form or something but i dont have that

Yes I work for the local goverment and no i was never sure what to do so i have always just took my p60 to the tax place to check

thanks alot

Is there any way i can get them to start going this automatic ? for the past 8 year i have had to chase them by going to my local hmrc office and handing in my p60's but yet all my friends seem to get theres sent automatic without having to do any chasing

I have no interest in buying the property, infact my main reason for joining the electroal roll is to get my own place eventually, also i know i have never been asked to pay CT, are you sure it still applys seen as though both my parents are on disability ?

thanks for the help

Hey dx i forgot to say that my parents do not own the property, its a council house

this is my permenant address but i have never had to pay council tax yet as both my parents are diasbled so they dont pay full rent

Here is my circumstances Age:24 Living with parents Currently unregistered on electoral roll Parents are on disability Im working full time Basically a friend at work told me i should be on the electoral roll if i ever want to get a house or rent a place but i have some questions first. 1. If i register will my parents lose money 2. will i have to start paying council tax while living at my parents house ?

I have just set one up now but for some reason they have only instructed me to pay the standing order for 6 months even though it should be about 13

well that didnt get me anywhere Hello! Thank you for choosing QuickQuid, where if approved, get cash sent to your bank account within 10 minutes after approval, 24/7. A representative will respond to you shortly. You are now chatting with Richard. Richard: Thank you for contacting QuickQuid. I'd be happy to assist you with any questions you have. Before we start, can you please verify your full forename, surname and full date of birth? jack green: ******* ****** Richard: Thank you for providing that information. To fully access your account, can you please confirm your post code and one of the following on file: your email address, phone or customer ID number? jack green:****** ****** Richard: Thank you for providing that information. Just a moment while I review your account, please. Richard: While you're waiting, I just want to remind you that you can always check your loan status, review your repayment schedule, and request a password reset right from http://www.QuickQuid.co.uk. You can also download our free mobile apps for iPhone or Android on iTunes or Google Play. Richard: Thank you for holding Jack. I will be happy to assist you with your account today. Please allow me a few moments to review your account further. Richard: Thank you for holding. Our records indicate that your account is currently in default. I will need to transfer you to our Collections Department so they can further assist you. Is there anything else I can assist you with before I transfer your chat? jack green: I have been in contact with citizens advice and they have informed me quickquid do allow payment plans and due to my recent changes in income i am going to pay £60 a month but i just needed to confirm these are quickquids bank details so i can set up a standing order, CashEuroNetUK Sort Code: 20 19 90 Account Number: 03759830 Richard: Our records indicate your account is currently in default, I will need to transfer you through to our collection department for further assistance. May I connect you with our collections department now? jack green: yes Richard: Thank you for choosing QuickQuid as your trusted online lender. One moment while I transfer your chat. Please wait while I transfer the chat to the appropriate group. You are now chatting with Latoya. Latoya: Hello Jack how may I assist you today. jack green: Hi I have been in contact with citizens advice and they have informed me quickquid do allow payment plans and due to my recent changes in income i am going to pay £60 a month but i just needed to confirm these are quickquids bank details so i can set up a standing order, CashEuroNetUK Sort Code: 20 19 90 Account Number: 03759830 Latoya: One moment while I review your account. Latoya: What number can you be reached. So my manager can call you right now. jack green: i dont have a phone anymore sorry i had to sell it to pay some bills Latoya: My apologies the above message was not for you. Latoya: Jack after reviewing your account you must contact our hardship department Latoya: 0800-635-0834 jack green: i cant jack green: just told you above jack green: i just need you to confirm the details and i can get it set up Latoya: Please be advised you have reached the collections department. Latoya: You are dealing with another department. jack green: cant you transfer me to there live chat ? Latoya: Unfortunately they don't have a live chat you must contact them. jack green: well unfortunately that cannot happen and i have a screenshot here showing a quickquid employee confirming the bank details so obviously somebody is able to do it but i just wanted to come here and check for myself Latoya: Jack we have different departments. I can not confirm anything if I'm not working in that department. jack green: ok thanks anyway

yes i will contact them now

they asked for my monthly outgoings so i sent them it because i have nothing to hide and it shows i can only just afford the £60 a month i offered so i will see what they have to say next

Thanks for removing my info, i am happy to pay them but i can only afford the £60 per month i offered them but i dont want to be paying £60 a month forever just because they keep adding interest on. I was hoping there would be a way around it to remove any further interest

I just wanted to know if its true what they say and isnt there a way around it so i can just pay the £60 a month until the balance is gone ? Hello! Thank you for choosing QuickQuid, where if approved, get cash sent to your bank account within 10 minutes after approval, 24/7. A representative will respond to you shortly. You are now chatting with Antoinette. Antoinette: Thank you for contacting QuickQuid. I'd be happy to assist you with any questions you have. Before we start, can you please verify your full forename, surname and full date of birth? Me: Hi there i contacted your company by email a couple of days ago but i have had no reply. I have had a drastic change is working hours and im income has dropped significantly so i can no longer afford to pay the partial or full amount, i have worked out my income and i can afford to pay £60 per month only. if my situation changes i would be happy to pay more but until then this is all i can offer. my phone is also gone so i can only be contacted by email or live chat Me: My Name 17th XXX XXXX Antoinette: Thank you for providing that information. To fully access your account, can you please confirm your post code and one of the following on file: your email address, phone or customer ID number? Me: ABC DEF Me: XXXXXX Me: im not sure how to find my customer number Antoinette: Thank you XXXX and I am sorry to hear of your change in income Antoinette: I do apologize however we do not offer payment plans on flex credit loans which is why you are given the 10 month option at the time of application Me: Oh im sorry to hear that, well unfortunately i cannot come up with the £277.29 its asking for so im not sure what to do Antoinette: How much are you able to pay towards the loan today? Me: nothing unfortunately, my card has been flagged for fraud and i have just phoned them but they have to send me a new debit card and pin out Me: he says 5-7 days

Thanks for the reply, i want to pay the debt off but i want to pay it off over 2 years so how should i go about arranging this, should i send west midlands a letter ?

Hi yeh they did thanks alot

west midlands and what is an I&E if you dont mind me asking, they said there are sending out a form for me to fill in all my income and finances ect

Update - They removed the fee's just like you said thanks alot. Now i have £2214 outstanding and i told them i would like to pay it off over 2 years but he is trying to tell me i can do it in 1 even though im on minimum wage with other payments to make

I sent the letter to Creation and i am waiting reply but i have just received another letter from WMD saying that are in the process of sending agents to my address to collect the outstanding balance. shall i just ignore them ?