Good Afternoon Everyone, I wonder if anyone would be kind enough to provide me with some guidance. What started out as one PDL with one company to finance car repairs following a failed MOT and assist with buying birthday presents for my two children who were born on consecutive days, has now spiralled completely out of control and has resulted in me owing circa £4,600 on my next payday, 26th July. I have bitten off more than I can chew and simply do not have the resources to pay these off. This amount is spread between five companies as follows: Quick Quid £1,819 Payday Express £938 Wage Day Advance £775 Lending Stream £635 PaydayUK £440 Paying deferment fees will not only leave me and my family with nothing to live on for the next month, but will also see me in an identical position next month. I feel like the only way forward is to e-mail all five companies explaining my position and ask if they would consider a repayment plan. I am not seeking to have anything reduced and it is my intention to pay off every penny I owe as they are my debts and the money was issued to me in good faith, it will just now take longer than I originally anticipated. I am embarrassed and sick with worry about this situation which is aggravated by my wife having been Sectioned under the Mental Health Act and also the death of an extremely close relative. Having had a look around the sub-forum, I fear I am going to have severe difficulties with Quick Quid and Payday Express and perhaps others. I have also today applied online for a Lloyds TSB Basic Account as I note that it may be prudent to open a new account. Any advice would be gratefully received. Many thanks in anticipation. Kind regards Chris

Hi All I have recently applied for car finance with a large car manufacturers own finance house and was initially declined (but was approved after an appeal), anyway the official dealer of the car brand decided to do multiple applications after the decline without my approval and without me knowing. Can they do that?....thing is I now have 3 full credit searches on my credit file, against my wishes! If not, (which I am sure they can't) what should I do? Many thanks for your help in advance. :o)

Hi All, I have a CCJ debt that I want to pay off. The CCJ was taken out by Brian Carter in 2010. I have in the last couple of weeks received a letter from Clarity offering a reduced settlement or affordable payment plan for the same debt acting for Brittanica Recoveries SARL - Arrow. Do I need to make them aware of the CCJ or I'm I right in assuming they'll know of the CCJ before I enter into an affordable payment plan with them. Thanks.

Hi guys, Im a regular ebay buyer. From spare fuses, to more expensive items (car body parts / TVs ETC). When i first moved into my property I had LOADS of items go missing... Royal mail were no help for me, but I got my money back / item delivered by following eBay / PayPal resolution scheme. I told my local delivery office "DO NOT LEAVE PARCELS OUTSIDE, REDCARD ME AND I WILL COLLECT THEM." for about six months everything appeared to go ok. Then I began to loose odd items in the post (credit card statements / bank statements / ETC) so i got in touch with royal mail again, and once again, no help, so i changed to eStatements because I dont want my info getting into the wrong hands... Now recently, LOTS of purchases have gone astray. Two signed items have been "delivered" with a signature, but not mine, or my wifes. and always when we are home. However these items have been delivered from not my delivery office, but one in Lower Quinton. (about 12 miles away). Now I know my road name, is the same as that of one in lower quinton, with a very simular post code (just a number difference) IE: XXX 6XX to XXX 5XX. So, I sent royal mail the following via their online form on 22.6.12. I got sick of waiting for a reply to this, (other than the automated response) so sent the following email: 6/7/12 to which i recieved So after recieving this, i called up royal mail, to speak to them in person... I got through to a very arrogant lady, stating they are investigating... I said, well since the 22nd June is well over 14 days... she then said... it was only opened up on 4th july... her name was "Maire". I find it absolutely disgusting that Royal Mail can treat / speak to customers the way they do. I have had about 8 items go missing over the last month (a set of LED lights, Some mud flaps, computer connectors, brake pedal covers, car radio adapter harness [this item costs £40 in shops, butt the seller had "old stock" to clear so managed to get it for £20... but cant get it for less than £40 now... so as i cant afford it had to opt for just a converter cable without canbus controls.]) I contacted the sellers, and two sent items no quibbles and filed rm compensation claims, the signed deliveries are in dispute (as you would expect) and ive had an intl item from lithuania that went missing on arrival in the uk.... im disgusted, that as I am paying for services (i pay delivery charges although sellers are the "Customers"" of royal mail, as the reciepient i am also a customer) Royal Mail appear not to Give A S..., I asked to speak to a manager today, they "are all busy on another line" but I got promised a call back within an hour... no sign yet) I can list back over the past 12 months numerous items that I contacted the seller asking "when is it due" recieved no reply, and the next day it arrived - I am unsure as to weather these are replacements or simply a delayed item. but to have signed items undelivered???

Hi All, I have 3 Statute Barred (1992 - 1996) accounts with SLC. I have been paying 1 of them off - [before I found CAG alas] - through a direct debit with Wescot Credit. I have now recieved CCA's for all 3 accounts, but I am concerned that Wecsot or SLC have extended my repayment period without my knowledge, to start repaying one or both of the other accounts, that I have not acknowledged. If this has happened, is it allowed? SAR request sent to SLC - awaiting reply. Any help or advice would be gratefully received cyclist