A few months ago I took out several payday loans, stupid I know but I desperately needed money, I lost hours at work and was only working 9 a week so couldn't pay everything back. Anyway, one loan was from minicredit, £100 but they only gave me £80 then said I needed to pay back £130. I called a week before telling them my situations and they said I can only have a repayment plan if I pay back £400 in total, I disagreed obviously so when I couldn't pay back the £130 they kept adding charges etc. it's been about 4 months since it was due, they sent me a hardship application before for a repayment plan but then I found out it is to repay all the charges which was like £600. The letter I recieved the other day was something like "the account will be defaulted on the 2nd of may 2013... Forwarding the account to a payments collection partner... Willing to accept £527.50 as full or through repayment plan... The default will be marked on your credit file on the 28th may" So they are gonna mark it on my credit file because I can't pay their fees even though I sent them two recorded letters about my situations, I ended up losing my job then my dad passed away so things were hard, I've just got a new job but the hours are not guaranteed, I'm working about 10-15 a week still. What shall I do? What can I do apart from ignore them and refuse to pay? Will they take me to court? The breakdown of their charges Due date balance - £130 Interest until the default date - £120 Decreased failed debit attempt fees - £97.50 Debt recovery fee - £100 Overdue penalties - £80 And they won't take anything less from me. Also they have blocked my account on their website I also have payday loans which are passed due with PaydayUK Payday express Toothfairyfinance Wonga Quickquid. I have only managed to pay back amounts from wonga and quickquid as they have me reasonable repayment plans on not ridiculous charges.. I still owe wonga about £180 as I had to stop the £10 a week, and owe quickquid £40 left which should be paid soon. PaydayUK and express are useless and refuse to help. I can't seem to log on to the express website and they haven't been helpful at all. Toothfairy finance I apparently owe £900. Call me 8 times a day nearly but never answer.. Done with them. So what should I do in this situation, I'm really stuck now and worried about my credit file.

I owe a few payday loans, maybe find my previous posts to find out but I was struggling to pay all of them back so paydayUK without notice take £125 out of my account when there is nothing in there and now my bank balance is -£125 so I can't pay anything else or put money in because I don't have enough to pay it all, this happened like 2 weeks ago, any other bank would of returned it but natwest haven't!! Now they are charging me £6 a day because I'm in overdraft, my paypal has been cut off because I couldn't pay £2 to them!! I have another bank account which has no relation to payday loans but there isn't really any money in there, I am broke and now in more trouble:( is there a way natwest can return the £125 to paydayUK or something or is it too late as its been 2 weeks. I haven't been able to sort it because my dad passed away and money problems have been the last thing on my mind, I assumed natwest would do a return thing as santander usually do... Please help!!

I'm not making any payments now, before I was making weekly payments to QuickQuid and wonga, £25 and £10.. I spoke to QuickQuid and said my situation, I said I was waiting for Jobseekers or a job and I asked if interest would go up or anything, they said no and just to let them know when I get money.. I'm still sometimes getting emails from them though.. even though I presumed they were fine with it as I payed all my other payments off with them, I've paid back pretty much 75% of what I owe to them weekly. I contacted Wonga to but waiting for a reply.. I'm going to write a letter to Payday UK and express, last time I spoke to them on the phone they weren't helpful and my bill was so high. Weirdly, I haven't been receiving any calls recently.. TFF called me like at least 2 times a day, payday express the same and since yesterday I havent had any calls from them.. my phones working as I've received other calls.. still not complaining lol. How do I cancel continuos payment authority?

Thanks.. How can I prove I'm not working? Can't seem to get in contact with my ex boss and I don't have bank statements or anything as I got paid cash in hand and not 100% sure if it was done properly like through the books.

Where I live, Jobseekers is very high, like everyone uses it.. most people here don't want to work.. I went in the jobseekers ages ago genuinely looking for a job and they were useless!

Thanks for the help, I'm receiving no benefits at all. Like no income, no money.. I can get away with borrowing £5 or £10 off my mum for something important but that's it. My ex boss is very rude and would not help me at all, I don't particulary want jobseekers to contact him. I desperately want a job though as I would hopefully earn more.. I know they are low priority but I was glad I could pay back at least two weekly.. Wonga and QuickQuid were quite helpful and even when I missed payments they were fine but now I'm stuck in a rut! Payday Express are no help, keep telling me to defer it everytime and I can't even afford to do that anymore, they said they need proof I haven't got a job.. but I don't know how to get it as I'm not talking to my ex boss and I used to get paid weekly cash in hand. I don't know if I was in the books.. So I'm not sure how else I can get proof I'm out of work. I called and emailed them all saying I have no money, Payday Express said to borrow off family.. which I can't. I guess I will just have to let them build up and then come to an agreement when I have a job.

Wonga £200 - Was £350.. Paying £10 a week. QuickQuid £80 - Was about £200..Paying £25 a week. PaydayUK £130 - Due today after deffering twice Payday Express £150 - Due last week after deffering twice Also Mini Credit and Toothfairy Finance but I'm not dealing with them as they claim I owe £700-£900 after one month.. I sent complaint letters but I'm sure you're all aware of how they work so I'm not worrrying about them. Also I owe my mum about £350 from various things, which she knows I will pay back when I get a decent job but I can't borrow anymore as she hasn't got much money. So I owe all of that and I have nothing.. like £2 to my name lol. My Lloyds bank is -£40. I have a phone bill due at the end of the month. I have no job. It was going well paying back Wonga and QuickQuid but now I don't have a job I am struggling. Even before I struggled as my pub job was only giving me 9 hours a week so I was getting like £50. Thing is, I didn't get fired I quit.. But with good reason. The last thing I wanted to do was quit.. I'm going through depression and my dad has been in hospital for over a year (brain injury, kidney problems, breathing problems) So it's all been a bit crazy. Anyway I was at work and this man kept harrassing me and called me some very nasty names, the other one was trying to grab me.. My boss did nothing and that's when I had enough, I couldn't stay there any longer, I was crying so much as I desperately need a job but I guess no one will understand as they didn't go through what I did.. I don't think I am entitled to jobseekers allowance as I quit.. I didn't get fired. My ex boss won't write me a letter or anything as he doesn't like me now and will say it's my fault (I slapped the guy lightly after he called me a fat sl*g) This was after work when it happened, not when I was working. So basically as I chose to quit I'm not entitled to jobseekers allowance. I am looking for jobs though.. I am going later to a bar to speak with them about a job.. I'm looking everyday. Even if I kept my job I would still have all this debt, the only things that would be getting paid weekly would be Wonga and QuickQuid, so really not much has changed apart from before I was getting £40-£50 a week and now nothing. I have no one that can lend me money, Can't take out any more loans or anything. I've also got things to buy like public transport for job interviews, black shoes for job interviews that would only cost like £10. It's hard having literally no money. I'm so lost at what to do.. I can't get one of those crisis loans I don't think, and I need money urgently not in 3 months! Need advice!

Hi, thanks for the replies.. I don't know how soon I will get benefits as I need to get some proof I don't have a job (I got paid in hand, not bank) have no idea if they put me in the books.. So shall I sign the hardship application or not? or just print my name twice as I would like to know if I should fax it or not?

Well, It's the same story as most people on here.. borrowed £100, got £80, work hours got cut and everything piled on another.. called them to discuss a repayment plan a week before it was due but they said no and now i'm owing them like £700, within 1 month. I refused obviously.. I don't answer there calls, I sent a complaint letter pretty much explaining everything and how I now don't have a job and I will not pay anymore than £200. They sent me two letters, I'm not sure which one I got first.. one says about door step collecter etc which date says 21st feb and they will come some time next week apparently.. The other letter says 19th feb.. I've been away from 22nd until today so they must of both came either saturday or today in the morning. Anyway, second letter is about a hardship, regarding my complaint they activated a hardship application where I put my expenses and income etc then sign it and fax it. I have no income.. I lost my job a couple of days ago, no income.. only outcomes, like i'm in debt and have nothing coming in.. I need to sign on but that will take 2 weeks or something. and I only got paid £28 which had to go on bills, transport etc. So how will this hardship thing work? and if it is a repayment plan how much are they expecting me to pay back cos i can't pay the 700.. Also, Shall I sign it? or just print my name twice.. please help!

I have read a few posts here but I'm still stuck at what to do? I never answer, only once I did then hung up, MHB and NDR seem to have the same number.. I have no idea what to do with Minicredit either, I want to pay what I owe but can't afford it!

I took out £200 with TFT end of October I think and deffered it a few times then it was due end of December and I contacted them 2 weeks and a week before saying I was struggling due to other bills and my work hours going to 10 hours a week which meant I was only getting £50 or something a week.. They weren't interested now it's been passed on to MHB and NDR, getting the same threats as everyone else and apparently now owe nearly £700.. I sent a letter but don't think they got it.. I spoke to them once on the phone and were not helpful and said to pay £400 and I only want to pay £272 (what I owe) thing is I could probably only afford to pay £10 a month at the minute then maybe more once I get a better job.. they won't come to this agreement though so what do I do? They are threatening me saying probably things you already know about coming to my house and work (where I don't work any more) and threats with a CCJ. Do I just do nothing now and wait or what shall I do because they won't listen to me. I'm also having a pretty much similar issue with MiniCredit, I took out £100 and now owe £380 apparently when it should be no more than £200, I don't know what the legitimate charges would be.. I know it was £130 I originally owed and told them a week before I could not pay all and they said I could only pay monthly/weekly if it totaled to £400, Obviously I said no, I'm not paying and extra £250 just for a repayment plan.. I'm 21, depressed, only get about £40-£50 a week. Have to get food shopping, I also pay money towards gas, electric and water to my mum about £10 a month, Then I am also still paying off QuickQuid and Wonga a little bit each week so I can't break that. Please help me on my next steps!

I posted sometime last week, basically like everyone else, I had a £200 loan which escalated to nearly £700 in a few days.. I called even before to say I was struggling to pay the £200 and they refused a payment plan. I have been getting non-stop calls from TFF, NDR and MHB, who are apparently going to come to my house, I ignored most of the calls and sent a letter to them. Today I got a call from this number - 01224 931013. They have called me the most, and in their voicemails they say "from nothern debt recovery" then I got another two voicemails a couple of days ago "from MHB.." and only today I decided to speak to them and I don't remember them confirming who they were, I was out walking and their phoneline was terrible, like all fuzzy could barely understand. I didn't want to say much but I just told them straight I've sent a letter and I'm not paying the ridiculous amount when I made it perfectly clear I couldn't even pay £200 so how do you expect me to pay £700?!, the lady on the phone said she would take off £200 if I paid today, I said no then she said I could pay £50 a month for 8 months and only pay £400. I did think about this, like all I plan on paying is £272 because that's what I owe, Well I think it was £236 but obviously I couldn't pay it and I already deffered the loan many times, so I thought paying an extra £130 isn't that bad.. but then I can't afford it, I can't just throw out another 100, I told her I would call back tomorrow and discuss because I obviously needed to think about it.. I thought I was actually talking to TFF on the phone I'm sure she said that but it was too fuzzy to understand, but now after checking all my voicemails MHB and NDR have the same number?! lol. So now I'm not sure what to do, I don't really want to agree to it. I wouldn't mind paying 50 a month for 6 months even though that may be a bit of a struggle but I don't want to pay extra, I can't afford to and don't really want to. But then I don't want any more hassle and don't want them turning up at my house, I got a letter saying they are coming and getting a CCJ ready.. So I need some advice.. Shall I write to them again saying I will pay 300 max? and that's all I can afford. I still owe minicredit 150 which has also gone up to like 500, I haven't even dealt with them yet apart from on the phone, when I asked for a repayment plan and they refused unless it was 500.. they haven't been harrasing me though so I kind of forget I owe it, like they sometimes send me an email and text but that's it. I'm stuck in a rut, please help!

I'm not planning on calling them, I have ignored their calls as I know exactly what they are going to say a nd are not going to agree with me, I just don't want them showing up at my house or work, have they ever done that? I'm gonna report them tomorrow, thanks for that and I have a new debit card with a different bank, I can't cancel my current bank card as I have bank charges but they always block payments anyway from them, I will call them tomorrow to double check.. Also I was looking back at emails I got from them, This one from Northern Debt Recovery.. "We have been passed your file by our client ToothFairy Finance Ltd t/a ToothFairy Pay Day Loan . You took a loan with them on 08.10.12. They have made numerous attempts to contact you via calls, emails, letters and sms to arrange repayment and have offered to put you on a more flexible and affordable payment plan. As you have failed to make satisfactory arrangements to repay your debt your file has now been passed on to ourselves. We are informed that ToothFairy Finance Ltd t/a ToothFairy Pay Day Loan has also sent your file to be reviewed by their solicitors. If you ignore this letter and do not make contact within 5 working days on 0843 381 0843 we may send our Door Recovery Agents to your property to discuss your debt with you. Should this also prove unsuccessful we may refer the matter back to ToothFairy Finance Ltd and recommend that your file be fast-tracked for legal action against you in the County Court (or Sheriff Court if you are in Scotland). As you failed to repay your loan in time or make adequate repayment arrangements, you have incurred further Legal and Recovery fees as per the terms and conditions of your loan. Below is a breakdown of what you owe Loan and Interest £416 Legal Fees £150 Recovery Fees £200 Repayments todate £144 Total £272" This is a joke, I contacted them myself three times before the loan was due and after and they would not agree to any sort of payment plan.. The last time the guy was rude and told me to call NDR to discuss a repayment plan with the £688 I apparently owe. Also, am I right into thinking they are getting the total wrong? It says total £272.. Before my loan was even due I was getting letters from TFT saying I owed just £161 :S also two days after they sent me another email (1st January 13) "You curre ntly owe: Loan and Interest GBP 452 NDR Accept Case File GBP 200 Missed Payment Fee 3 (day 57) GBP 10 Missed Payment Fee 1 (day 29) GBP 10 Missed Payment Fee 2 (day 43) GBP 10 Solicitors - Case Preparation GBP 150 Repayments todate GBP 144 Total GBP 688" Case Prep?? and Repayments to date.. I haven't made any and they definitely haven't taken any out of my bank so I am assuming it is the amount of times I extended the loan? I just multiplied 36 by 4 and came up as 144.. I knew I extended it didn't realize so many times though, my head was definitely not screwed on. Then on the 6th I got this.. "You have made insufficient efforts to resolve the matter of your debt with our client ToothFairy Finance Ltd in respect of your ToothFairy Pay Day Loan . We have no option now but to instruct Door Recovery Agents. We have also been instructed to refer your file to our Solicitors to deal with this case and you will hear from them shortly. You are liable for the full debt as set out below. Your constant refusal to speak to us has been noted and will NOT act in your favour as the matter progresses. You currently owe: Loan and Interest GBP 452 NDR Accept Case File GBP 200 Missed Payment Fee 3 (day 57) GBP 10 Missed Payment Fee 1 (day 29) GBP 10 Missed Payment Fee 2 (day 43) GBP 10 Solicitors - Case Preparation GBP 150 Repayments to date GBP 144 Total GBP 688 Please note that: 1. Door Recovery Agents have been instructed to attend your property to discuss your debt with you. 2. Our Solicitors have now been fully briefed and will be contacting you shortly. We may seek a County Court Judgement (*or its Scottish equivalent) against your name. Should we be successful we will then apply for either one of two measures: 1. a Warrant of Execution* to allow Bailiffs to seize goods and sell them to repay your debt; or 2. an Attachment of Earnings Order* which will be sent to your employer so that they can pay us directly. " How can they get a CCJ, What does it actually mean? can they really do that!? And as if my employer is gonna do that, I work in a pub, 2 shifts a week, never signed a contract or anything.. I get paid cash in hand and I don't think I will be working there much longer if I get this other job I applied for .. Also they are leaving in a few months. I want to pay this loan when I have the money but only £272, I'm not just gonna give them the money though, I want a letter saying they will accept the payment and leave me alone otherwise they are getting nothing from me! I've read alot about people paying what they owe and still getting harrassed, I'm not having that!

I've been looking at other posts for advice, I just joined here. . I've taken out loans before with wonga and quickquid and paid back fine. . then I had some issues and took out a loan with toothfairy finance (£200) and minicredit (£100) wonga and quickquid have agreed to repayment plans.. so each week I give wonga £10.27 and quickquid £25, I didn't really wanna argue as they were really understanding and I actually had a different repayment plan with quickquid and forgot to pay so they gave me another chance really, also they only charged me £12 late payment the first time and didn't go crazy like the other loans. my main issue is toothfairy finance. I'm 20 and work in a bar, my hours got cut to 10 hours a week, which means i'm getting £40-£50 a week.. I need to live somehow and also I visit my sick dad weekly, who was in hospital for a year due to having a cardiac arrest due to I believe a mess up with the aenesthetic(cant spell) team so there is now an investigation into it as he was in a coma for 3 months, is now brain damaged, I was already a little depressed before this happened but got worse and I clearly got out of control on taking out loans. A couple of days before TFF was due I called them up (i already deferred it before) and explained to them my situation that I couldn't pay and wanted a repayment plan.. They said no, then the time came and I started getting the northern debt recovery texts.. I called again, He told me that it wasn't actually due until 31st December (I called start of December thinking it was due near that time) even though I knew I probably still wouldn't have the money I was still getting texts saying my loan was due even though the guy said it wasn't, but it doesn't really matter because regardless I couldn't pay it. I owe £272. That is all I will pay when I get the money but obviously I'm sure you are all aware of their charges, it's now £688 or something ridiculous. TFF don't wanna know and tell me to contact nothern debt recovery, I don't want to speak with them on the phone because they're not gonna help are they? I'm getting emails like "we're trying to contact you to sort out a repayment plan" but that's obviously the £688 they want not £272! So I'm gonna send a letter, but they probably won't read it? I don't really know what to write though. At most I will pay £5 a week, as I am already paying out £35 a week. I am looking for another job obviously, I wasn't aware my hours were gonna be dropped but there isn't much I can do, I didn't sign a contract at this pub or anything. My main issue is the threats about coming to my house, which is my mums house. I don't want her involved and trying to come into the house. I don't have anything valuble anyway lol but they don't have a right anyway. Also I don't want them going to my work, I think I gave a false number, and only the brewery name, there are a few pubs on the road with the same brewery. Can someone actually tell me if they have ever went to someone's house. I live in Bedfordshire, will they actually travel here? and will they go to my work? As for taking me to court, I'm not bothered, I am willing to pay what I owe (£272) but I can't possibly do it now. The court will see i'm trying and I can get a doctors note for my depression and trouble with my dad, and also proof my hours dropped and I've been trying to get another job. I know I made a stupid mistake and I'm trying to fix it! My main concerns are I don't want them threatening my mum who isn't very well herself (stress) esp when i'm not there. . I keep getting texts of NDR saying in 3 days they will pass it on to marshall ballifs or something who I believe aren't real ballifs? I'm also having a similiar issue with minicredit, called up about repayment plan and said to me the only way for me to do a repayment plan is if I end up paying 400 in total (weekly) asked why.. because it's future charges.. I said no obviously.. I owed 130 which is now 260, I know this is kinda off topic. So any help will be appreciated, I wish I found this forum before hand. How should I write my letter and what to do about NDR??