Hi, I was on a payment plan with txt loan and missed 1 £20 payment the following monday i recieved a txt and email saying it was paid off and couldnt get a loan for 3 months, fair enough but i didnt have the money in the bank? the next day i get a txt from my bank saying im over my overdraft limit?? how could i be if theres nothing in there to take how could they take 279 pounds? Advance card payment? so now im over my overdraft getting charged daily and my wages dont cover what im over due so ill get 2 weeks of daily fees? can i do anything?? other than eat beans for a fortnight?

I have recived a ccj of nearly £3000 after a final hearing. i do feel there was an error in law and wanted to appeal. However, the appeal form is £115 plus solicitors cost of £100 per hour with £500 upfront. I cannot afford this at all and dont feel its right but theres nothing i can do. i am not entitled to legal aid as i am in a good job. my partner is out of work so i am running the whole house including two dogs. i have rang the courts and asked can i pay this in instalments. they have said the form will cost £40. dont knw what to do. further to that the claimant was told he could claim and file further additional partciular of cliam but it had to be done by the 4th of june. He has sent the letter today saying he is in the process of submitting further particulars of claim and shall revert to me in due course. will he still be able to claim? so incredibly stressed. cannot afford any legal help. cannot aford to pay full stop. felt the whole case was unfair. can anyone help? been trying to get through to cab all day but no joy. :sad: thanks

So basically ive fallen into the trap that over the last couple of days reading on here that many others have also. It seemed so easy...fill in a form..15 mins later have 300 quid to spend.. 2 years later it has spiralled out of control and I have at one point got to the stage where i considered taking my life over it all. I have juggled 9 payday loans for 2 years and now im at my wits end and just want a way out....I have a relatively decent income 35k + and being skint after 10 days on this type of income is quite simply not on. I have the following payday loans pounds2pocket - borrow 1k..pay back 200 quid a month for 12 months wonga -1000 text loans - 300 payday express - 680 peachy 115 wage day advance 300 1 month loan 290 mr lender 390 lending stream - 600 Minicredit - 900 What chances have I got off agreeing repayment plans for all these companies...I have today done what I keep reading which is open a new bank account and get my wage paid into that new account. I can put aside sort of 700-800 to get these paid off within 6-12 month no problem...ive got myself into this mess and im going to pay my way of it. couple of questions. 1) are these companies easy to agree repayment plans? 2) what sort of amounts can be realistically be expecting to pay on these per month. 3) reading alot of bad comments about minicredit - am i going to have to bite the bullet with this one? 4) what is this £1 token gesture mean a month...what is it preventing 5) how will i pay the monthly repayment plan...which account and whats stopping them taking the full amount when i give them my card details. any help at all would be very welcomed and appriciated thanks M

Hi, Dont go there but took a peachy loan. Need to repay £117. Emailed before payment date -5th June - knowing that I can't repay and asking for repayment plan and this was response. Said £20 per month was comfortable and attached an I & E form. Thank you for the email. Please note that if you are not able to make the payment on your repayment date, extra charges and interest will be added. As we value you as a customer and want to help you to avoid overdue charges we would like to offer you the opportunity to EXTEND your loan. You may extend your loan up to 5 times successively. To extend the outstanding balance, you need to pay the daily interest and fees at the moment of request. The extension option is only available within the period between the 3rd day before the agreed due date and the 5th day overdue. The extension will work as a re-financed loan. It will be for the same period of time as your initial loan period. To extend you loan, please log in to your peachy.co.uk account or send a text message 'EXTEND' to 68899. The extension fee will be collected from your debit card immediately after you request the extension and if it goes through successfully, you will receive a confirmation e-mail. This seems mad. So I can rollover!! How is that helping. I am happy to pay backj but in £20 incrememnts but they are asking me to pay more by rolling over. Any advice would be gratefully received. Swanleyboy

Hello all. i have set up a payment plan with WONGA for my debt i stupidly took out. now to cut a long story short they have collected the £65.00 we agreed yesterday but i checked my account today and it says my account is 1 day in arrears?? They have took the payment so should i be worried and is this normal. no interest has been added to my account and the interest is still frozen. Many thanks Ryan

Hello, Last year I managed to get on top of my finances and agree repayment plans with many of my creditors, including Wonga. Wonga were hard to deal with at first - insisting I pay double, but eventually accepted what I'd offered. I once had to amend the amount I pay per month, which they did over the phone no problems asked. I had to go part-time at work recently due to a long term health condition, so have had to readjust what I can pay my creditors. I called Wonga two weeks ago assuming I could do this over the phone - but they said I had to wait until my repayment plan defaulted and do it online! So my payment didn't collect yesterday, and I couldn't see this option. So I emailed them saying the £315 remaining is to be split into 4 equal payments taken on the last working day of each month (with the exception of Mays one which will be taken at the beginning of June). I received an automated response, stating a reply will be within 24-48 hours, but then this morning I received another email stating that my repayment plan will end at 10pm tonight, and they will then try and collect £411 - which has the charges on top! I've tried calling them today, but have been on hold for an hour - with no answer. Has anyone else had the same problem or can anyone offer advice? Many thanks

hi i owe mbna £2000 I am on esa , i contacted mbna to tell them i could not afford my payment, and was told i would need to pay £60 per month or they would sell it to dept collecting agency, they have stoped interest, i have a lot of medical problems including dementia, do i have to pay £60 a month , i dont want them to sell it to a dept collecting agency

I'll try and keep this as brief as possible. From 2007 to 2010 I was a full time uni student on a fixed bursary with two dependant children and a single mother. I applied for housing benefit and an official came to the house to complete the claim paperwork. I cant remember the exact figures but it meant that I had to pay roughly half the rent and the rest was housing benefit. About 12 months later I was told my rent account was significantly in credit because housing benefit had been increased, when I contacted them I was told the figures were correct so I adjusted the amount of rent I was paying accordingly. During the 3 years my child tax credits increased only due to inflation as did my rent and my personal circumstances never changed. At the end of my course in October 2010 I contacted housing benefit to report a change in circumstances and they came back to me saying I had been overpaid housing benefit. Initially I was told it was about £700 but they accepted this was likely to be their error and they were looking into it. A few weeks later they told me that in fact it was about £2000. Again I was told not to panic as "most" of it was probably their error. The final figure they arrived at was just over £5000! To say I am horrified is an understatement! For the past 2 years I have argued the fact that this is their mistake and have written 2 letters of appeal which they have "lost" on both occasions. The case has also been passed around to different people so it was hard to keep track of who I was dealing with and I was constantly having to repeat myself. A few weeks ago I received a letter saying that the council had taken the case to court and I had been found liable. If I had known it was going to court I would of liked to of had the opportunity to put my side to the judge. I have now been told I have to pay even though I dispute it. I was told to write them an income and expenditure and make an offer of payment. At the moment although I am managing to pay my bills I have some big expenses that are looming, car is due its MOT and I know it needs a lot of work doing. My son will be starting college soon and I need to buy equipment which will set me back nearly £300. The house is in a poor decorative state. My son has shot up in height and desperately needs new clothes etc. Anyway im waffling so I'll get to it. I made an offer of £20 per month and wrote a covering letter explaining my present circumstances and asked that they accept this nominal offer for 12 months and then look at it again when im hoping my circumstances would be improved. They have declined this offer and are demanding £50 per month for 6 months then £60 per month for 6 months and then they will look at it again! Its almost like they havent even bothered to read my letter properly. What do I do next?

Hi, great and useful forum I am currently working on a program to assist me in managing me money, I have had great success with most of the creditors and can get accurate data months and years ahead but some catalog creditors seem strange for example : Credit Limit = £1400.00 Prev Balance = £1140.38 Int Added = £34.22 Balance = £1174.60 Min Payment = £62.92 APR = 39.9% (34.1%) = 2.843 in every £ 1174.60 / 4.17%(1/24) = £48.98 remainder = £13.94 any guesses as to what the remainder is? I have called the catalog but the operator was much help (go figure). Any help will be greatly appreciated.

I'm about to come into some money(4k) and I have 2 debts which I would like to do something about as they are both CCJ's. Outstanding amounts of 2.8k and 9k(8% apr), originally 5.2k & 24k. I have been paying toward them every month for a while. They are both going to drop off my CR this year. My heart says pay off the 2.8k one to get rid of it, one les CCJ to worry about too, then I'm only making one payment a month and put the rest towards the bigger one. My head says put the 4k towards the 9k one and pay less interest and pay it off sooner. Thoughts? Espicially from anyone who has been in a similr boat. Cheers

About 2 months ago i agreed my repayment plan with Wonga which was 21.49 every week. I was pretty sure that everything was going ok. I logged in into my wonga account few weeks ago and it said that i still owed them about 950pounds which should've been less. My original debt was 1030. Today wonga left me message on my voice mail asking me to call them. I logged again into account and now my debt is 1005pounds. I also noticed that in meantime they sent me mail changing my repayment plan from 21.49 to 21.97. I was unaware of this fact, which was my mistake, cause i chose to ignore all the mail from wonga, as long as i was paying my debt every week. So looks like money i been paying every week wasn't enough for them and because i didn't pay 50 pence more every week, my debt instead of being reduced is growing up. Can they change repayment plan after few weeks and charge me more? What am i supposed to do now? - keep on paying my original sum 21.49 - stop paying, because i have been charged anyway. Losing my money on payments and they dont seem to recognise it - start paying 21.97 - get in touch with them? mail? phone? Thx for any advice

Hi everyone, My wife and I have had a mortgage with Natwest for over 25 years and are now in the final 4 years of repayment. The monthly payments are around £1600 and accounts for about two thirds or our monthly income. About 3 years ago we fell behind with 4 monthly payments due to job redundancy. Fortunately I was soon back in employment and Natwest agreed that we could spread the arrears over the next 5 years to pay back the deficit. All mortgage and arrears payments since then have been paid on time and in full. A few days ago we received a letter from Natwest regarding the arrears and asking us to submit a full listing of income and out goings. We duly completed this and a few days later we were contacted by Natwest. It appears that they have decided to change their policy regarding arrears and are demanding that it be paid back in full within the next 2 years. We explained that due to the high monthly payments we are already paying we were unable to increase the additional £180 per month we were already paying. On checking the disclosure we sent them they were forced to agree. We also pointed out that this arrangement was agreed by both parties and as far as we are concerned was a binding contract. At the current rate of payback the arrears would be cleared in 2 years and 8 months anyway. Natwest were completely uninterested in anything we had to say and then started coming out with ridiculous suggestions like " You could contact an agency to declare yourself unable to pay your debts and get your other outgoings suspended, then you could afford to pay us back" and the best one " You could contact the local council who may buy back your home and rent it back to you". At this point I'm afraid that I lost my temper and told them to stop being so ridiculous to which he replied "I'm sorry you feel that way, our litigation team will be in touch". So finally to my question. Before I get involved in a legal fight with Natwest, am I correct that as long as I pay the previously agreed amount every month then I am acting within my rights or can Natwest, out of the blue, suddenly decide to change the terms of our agreement and throw a delicately balanced monthly budget into chaos. Sorry for the long post and thank you for staying with it. Steve

Hi again everyone normally I'm doing the halifax or HSBC. I recently discovered that my wife had a credit card with the lloyds TSB I searched through the statements that went right back to 2003.( I had these because I tried to get the bank charges back some years ago on it....remember those days boys and girls.?) Sure enough there was the PPi all dressed up as CARD HOLDER PROTECTION PLAN. Now at that time when my wife went to them for the card she was dealing with or helping her mother to sort out her accounts with the LLOYDS TSB. She asked for a card for herself and it was agreed (Remember those days of banks dying to get you into debt so that they could rape and pillage your finances.??) she could have a card. We didn't even realise that this PPi was on the account until I looked at the statements last November.......since then we had a letter saying that they were looking into it ,then a letter saying they required a further 8 weeks to sort it out, then a phone call askinig if she had ever had a savings account with them (what the hell that had to do with it I don't know.Then we had another call asking us to confirm that would someone of helped her with the payments and was she working at the time >>>? well DER look at the questiuonaire you foreign numpty that we could hardly understand. As it was, my wife wasn't working at the time and this would of been clear in the application for the card. Now lloyds have written back sayinyg that they can not see anything in the miss selling of the policy to us that that a booklet with the Ts and Cs was handed over etc..........now surely if it had been made clear by there sales person that due to my wife not being employed at the time and she has always been a housewife that the PPI was not suitable because she wouldn't of been able to claim on it, then I'm sure we would n't of said "oh no please put it on so it costs us more but its worthless." Do we now go back and say at the point of sale this sales person new my wife's circumstances and still proceeded with the sale A) we didn't ask for it and nor did we realise that it was on the card B) Why did they put it on the card know it was worthless to my wife as she wouldn't be able to claim on it due to not being employed.......... its all well and good the sales person ticking boxes at he point of sale then flashing through it to get the signature but iI believe we were genuinely miss sold this on the card my wife isn't fully ofay with figures anyway she doesn't know the difference between 3000 and 30000 so she wouldn't of known anyway. HAS ANYBODY ELSE HAD A PROBLEM LIKE THIS WITH LLOYDS.....THEY'RE SAYING HE'S INVESTIGATED ALL SIDES AND CAN'T SEE ANY FORM OF MISS-SELLING.( ) ANY HELP ANYONE REGARDS NIGEL 1804:-x:-x:-x

After a couple of months too-ing a fro-ing with Quidmarket they finally played the CCJ (& AOE) card today. I've been sticking to my guns and offering to payoff the principal amount over 17 months (£340 @ £20/month) Whilst they have been maintaining they can't go below £450. I've always thought the CCJ was an empty threat but I've read on here that they've carried this through in a number of cases. Now its come to CCJ time, I'm wondering if I should go for the £450 @ £20/month or wait for the CCJ and defend it. What do I stand to gain if I defend? Any advice gratefully received.

Hello All, Last month I ran into some unexpected money problems and lost my second income. Unable to meet my full repayments to 1monthloan I emailed them on 26th Feb offering/asking for a repayment plan. This is what I emailed: Dear sir/madam, I am writing to you to inform you that due to sever financial difficulty I am unable to meet this months scheduled payment. I have had a very unexpected change in my personal circumstance and I will be unable to pay the current open loan in one payment. I propose a repayment plan to assist in clearing the outstanding amount in the quickest means possible to me. I propose £35.00 every month for 6 months, to be re-evaluated once the 6 months has expired. I would greatly appreciate that all charges and interest are frozen to allow me to pay back this sum as promptly as possible. I have tried to log on today to see total amount owed, however access to my account seems to have been disabled. Please confirm final amount owed, with interest noted clearly up until this month. I would also ask that all communication is done by email or letter. I am not permitted to take personal calls at my work place and in doing so, could lead me to losing my job and therefore worsen my financial situation. Under no circumstances do I give you permission to call this number, please delete this number from your records. Can you please send me your account information so that I can set up a standing order for the payment to be made? I shall ensure that this is set up for payment to be received no later than the 27th of each month. I do hope that we can arrange a payment plan to alleviate the stress of my whole situation, and to also enable the repayment of the loan to your company as promptly as my finances will allow. I look forward to hearing from you and will help in any way I can to organise repayments with your company as soon as possible. Please note my email address on your records in .........................., however this account has been hacked and I am unable to access it. Please use the address this email has been sent from. Your faithfully Michelle ................ I then cancelled my card and ordered a new one, as have heard they have in the past taken the full amount from customers accounts without permission and wanted to remain in control. I received this response also on 26th Feb which I believed was an acceptance of paying back £35 a month for the next 6 months then re-evaulating: Hi Michelle, Thank you for your email, We are happy to accept £35.00 per a month on the frozen balance of £312.00. please provide the following details so we can action your repayment plan; Payment date (the date you wish the money to leave your account each month) Payment amount (the specific amount for us to take from your account) We are committed to working with customers who are in genuine financial difficulty and hope that, if you are having difficulties in meeting the required payment, you will contact us with your payment proposals Please note your account remains subject to our automated collections procedure where attempts to debit from the card we hold on the system will continue. We look forward to hearing from you, I don't want to give them my new card details for reasons mentioned above, so sent the following on 27th Feb asking for them to confirm their bank details to set up a standing order and also a new contract to make sure I have the repayment plan in writing. Hi Kim, Thank you for your quick reply and acceptance of my payment proposal of £35 per month. Please can you send me the correct bank details, as requested, to set up a standing order for this amount. I will be paying this months £35 as soon as this is received, and on the 25th of each month thereafter. Please can you also send me a new contract stating these new payment terms. I asked for my work phone number to be removed from my details and not to be contacted on that number, please confirm this has been noted? Many thanks for your help and support with this matter. Kind regards, Michelle Since then I haven't heard anything. I chased them up on the 8th March with the below email: Dear Sir/Madam, Please see email below sent to yourselves on 27/02/2013. I am wanting to set up payments as soon as possible to get my loan repaid in the shortest time span but am still awaiting a reply. Kind regards, Michelle I am now getting really worried and don't know what step to take next. Will they just be adding interest and charges every day? Will I end up with a doorstep collection for some huge amount? I tried to do the right thing. Please help!

Hello, I'm writing to QuickQuid to try and arrange a repayment plan for my loan, however after reading this website for a while I have some questions and I was wondering if someone could read my E-Mail to give any constructive criticism. Why should I E-Mail QuickQuid rather than phone them? Is it appropriate to call them to make the arrangements and then E-Mail them to confirm? Is there any law, bill or statute I should quote if they disagree with my plan? Or anything else I should say to assist my request?

Hi Guys, I've posted before and have currently got repayment plans set up with 6 of my lenders at the moment, but unfortunately I am heading for a repayment due date for quickquid. The amount is absolutely way too much for me to afford so I am looking to set up a repayment plan over 8 months or so. I already had a pre-default plan but stupidly I got myself right back into the mess as it seemed like the only way out at the time. I have been on the live chat and the person told me i would need to contact collections on the due date to discuss. What would that actually entail - anyone been there done that?? I have sent in the post today a letter revoking CPA and advised my bank the same. I also cancelled my debit card and reported stolen/fraud so have all new card numbers etc which QQ have no record. Do I have a hope in hell of getting a way out of this mess via a repayment plan with QQ? I'm talking about £1200 over 8 months. I am really hoping some of you guys have had some success. Thanks for reading!

Hi all, I have about 900 left to pay on my Lloyds TSB loan. The usual direct debit for £346 will go out on 1st March but I have come by an extra £550 this month and want to put this towards the loan. Would there be an early repayment charge if I do this now and let the £346 go out as usual to pay off the loan? Or could I pay it all except for £5 for example, and then pay the £5 a couple of days later? Would this avoid a charge? Thanks

Hi all, Been reading on here for a while and decided to deal with my Wonga debt. I have a debt of £1416 including interest which was due today. I have cancelled the CPA and reported my debit card lost and my bank account is empty. I have emailed wonga asking for a plan over 12 months - 1st payment of £41 then 11 equal payments of £125 starting in March and they have not replied. I did call today and was sent the I&E form which I completed and they said the payment plan they would accept was about £334 a month even though there was nothing like that left on the I&E ! I emailed assessment@wonga.com and some other email addresses with my proposed plan again. I should say in my proposal I asked to pay by bank transfer and requested their details and said I would make my first payment after a plan had been agreed. Is there anything else I should be doing or can do just now ? Should I keep emailing my plan everyday until I get a response ? What are the best email addresses and phone numbers to use for wonga ? Thanks, B

I have a loan with Cash Genie for £250 with £75 interest. I emailed them regarding a repayment plan, below is my original email, and then their reply; What should I do next, how much info should I give them etc.

Hi, I just have a quick question about the Wonga Repayment Plan. I'm in my second month and on Monday they'll take the second installment out of my account. Now my question is: If I manage to get some money to either pay the installment a bit earlier or pay the remaining balance off, can I just go to their website and pay it off like that and would I need to let them know I did? I send them an e-mail about this but they haven't replied yet and I don't want to call unless I have no other choice. If I can do that, that would be wonderfull cuz then I'll be debt free quicker! Thanks for the help in advance

Hello everyone, I am new to CAG, have read lots of the existing postings and have found them very useful so have decided to take the plunge! I like a lot of people have fallen into the vicious circle of pay day loans, after months of juggling them i now have 7 PDL's, been taking out more to pay each other off and now have a total debt of circa 4K. In January I took the decision not to continue the juggling and don't want to get further into debt so stopped paying, cancelled my Debit card, and contacted the lenders directly to request that I set up a repayment plan directly with them (I did look at Debt management companies but decided against using them as there fees are too high and involving them will delay the repayment process and cost more!) Anyway the majority of my lenders have been cooperative and have agreed to my pro-rata repayment plans and I habe set up Standing orders to start paying at the end of February, when I next get paid. However Minicredit have been the most difficukt to deal with, I have been e-mailing them to request setting up a repayment plan and at first they told me that they dont do them etc. But I have percevered by contacting them via their web site as the request and they have come back to me with the following response, which I am looking for feedback and advice on, please: "In order to discuss a long term payment arrangement via our debt recovery partners please follow the hardship procedure. Microcredit Ltd has activated a Hardship application on minicredit online account. Please log in to Your account follow the instructions and send the application back to us." "In order to apply for Hardship status of your account, please follow the instructions below: 1) Please fill in your current income details. 2) Please fill in your current expenditure details. 3) Please fill in your creditor details 4) Please review the details. 5) Click Print the form 6) Sign, date and fax the form to 020 7138 2919 7) Our team will need to assess the proposal. You will be contacted by our Hardship team member within 5 working days to come to a mutually agreeable solution. "To discuss Your monthly payments and the repayment plan balance please contact us on 08718903015 from 8AM to 8PM Monday to Friday, 9AM to 8PM on Saturday and 9AM to 5PM on Sunday. We may require documentary evidence of your financial difficulties. Please bear in mind that the status of the account will not be changed until an assessment has been made by our Hardship team. All the charges will be added until full repayment has been received or until the Hardship team member has contacted You and set up an agreement. Microcredit Ltd is not able to stop the automated debit attempts so if You have the possibility then cancel the card that is registered in the system. Microcredit Ltd is able to provide our Hardship customers three possibilities. The first option is a settlement. The settlement means that when You contact our Customer support we are able to reduce the current outstanding balance and waive some of the failed debit attempt fees. The settlement must be paid over the phone during the phone-call with a debit card. The second option we are able to provide You is a settlement plan. We provide all our clients 120 days from the due date to make payments of any amount towards their outstanding balance. You would need to make at least one payment a month towards the balance. Before the 120th comes days You would need to make a full and final settlement offer. Microcredit Ltd will then overlook all the payments we have received and they will be taken into consideration while calculating the settlement. The reasonable settlement amount must cover the daily interest for every day our funds have been used, the loan principal and the two penalties for breaking the Loan agreement. The interest is 1% of the Loan principal per day. We are able to decrease some of the failed debit attempt fees. Microcredit does not provide You the dates nor the amounts when You need to make the payments. The partial payments possibility is available 24/7 on mini credit online account under 'Repayment' section. The most important part is that at least once a month a payment of any amount must be made. The loan should be cleared latest by the 120th overdue day. The settlement can be discussed at any point when You have a larger amount available to offer as a full and final settlement. The third option is a payment plan. The payment plan means that we will add the default date interest to the loan principal, the two penalties for breaking the Loan agreement (£80.00) and the decreased debit attempt fees and forward the account to our debt recovery partner from the beginning of the next month. The default is marked on the credit reference but You will be able to make the payments on a monthly basis to clear the balance." All advice from CAG member gratefully received! Regards Zohan1967

Hi folks, just a quick one, we have an overdraft on the barclays personal account, which was taken out a few years back due to circumstances, they told us we could only have one if we upgraded to a premier account at £25 per month, which we did as didnt have any other options at the time, this gave us a£1000 od with a £500 reserve, what we were not told at the time was that they charge £22 every 5 days once you go into this reserve, which once my wifes hours were cut we did and then couldnt get back out of it as it was accruing £88 a month in reserve usage charges on top of the £25 per month fee for the account plus od interest, anyway last september I set up a repayment agreement, the agreed to freeze charges and interest and I would pay £100 per month with a final payment of £150 this month to bring it back into the original overdraft limit which I could then pay off as and when we can, however when checking the account the other day it appears they are still charging interest so we are over the agreed limit at the point where it should be at the moment, rang barclays to check this and was told the agreement level is where it should be but due to not paying in extra to cover the interest it is actually over the reduced od limit, I was also told they cannot freeze the interest and someone had told me incorrectly at the time of making the agreement, unfortunately having found the original agreement letter it does not mention interest in it, is there anything I can do?

Hi there Sorry to be a pain but just about to start my PPI claims and need to get my head straight. Please can someone answer my questions? Really sorry, probably being thick!!!! Procedure for claiming: SAR if haven't got all paperwork then FOS Questionnaire with spreadsheet? HSBC Income Protection - is this PPI? HSBC Mortgage Repayment Protector - is this PPI? HSBC Life and Critical Illness Insurance - is this PPI? Which spreadsheet do I use for PPI on a Credit Card? Which spreadsheet do I use for PPI for a Single Premium on a Loan? I've been looking at ims signature but not sure!! Found an old spreadsheet from ims titled CISsheet, can I still use that? its not so confusing as the others!! You just put in the charge and the date. Thank you

Hi guys, I have a QQ loan for 700 with 140 interest to be paid. QQ rolled my loan over with a second loan which i did not consent to and applied a 12 charge. they claim my outstanding balance is now 1004. My account has been sold to M/Hall. who are requesting payment of 1004. i am now in a comfortable financial position where i am looking to clear old debt and try to improve my credit score. i read on here somewhere in the past, although i now cant find the thread, that when you repay a payday loan you are only requiered to repay the original loan and interest. is this the case? Thanks in advance