Hi, got into a pickle with a few PD loan companies, Thought i would share how helpful TXTLOAN are over live chat when setting up a replayment plan. chat Hi, a customer representative will be with you shortly. Please specify the nature of your query. ME: HI, my partner is/was in her first year as a student nurse, she has completed all the exams and passed all but one. She has redone the exam three times and failed which has now resulted in her being kicked off the course. ME: This obviously is a big problem as the NHS paid her a Bursary every month which has bean ceased ME: I wondering if i can make an arrangement to come to some sort of payment plan with your company, i dont want to default on payments but i cannot possibly make the payment which is due by the 09/07/2012. I understand that this was not in the agreement but I do not have the funds to make payment when this amount becomes due TXTLOAN: Hello. Sorry to hear about it. ME: i know, life has more downs than ups lately ME: but anyway TXTLOAN: Yes, we can of course set up a repayment plan suitable for you. ME: thanks for your help, what time period can you offer me please TXTLOAN: You are welcome. Dates and amount of repayment is up to you. ME: ok, what will be the total debt i have to pay back as i assume there will be charges then i know what i am working with? TXTLOAN: Since you are reporting financial difficulties we will freeze the interest and you would have to repay standard 351£. ME: I would like to propose 70.20 @ 5 months = 351.00 TXTLOAN: Possible. But what date should we charge you on? ME: I get paid on the 20th of evey month ME: Do you accept bank transfers? TXTLOAN: Yes, we can accept them. I can as well send you our banking details. ME: what a help you have been, many many thanks, a big weight off my mind TXTLOAN: In this case we would need to set up the repayment date to be 23rd to give some time for the transfer to go through and be confirmed. TXTLOAN: You are welcome. ME: excellent thanks TXTLOAN: I will send you the email with all the details you may need. ME: If i do get any extra monies from anywhere i will send via the bank transfer early, ME: thanks TXTLOAN and TXTLOAN for understanding TXTLOAN: Sure, we will check the transfers daily. TXTLOAN: You are welcome once more. We always care about our clients and are going to resolve any emerging issues together with you. ME: thansk you , i await your email TXTLOAN: It will be there in 10-15 minutes. You are going for the bank transfer option then? ME: Yes please then if iget paid on a Sunday the money will transfer on the Monday TXTLOAN: I will give you 3 days time frame - it will cover any issues with weekends. ME: thanks TXTLOAN, TXTLOAN: You are welcome once more. Sending you the email in a second. ME: Excellent TXTLOAN: Done. Please review it and confirm that it is a suitable option for you. ME: i will check my email ME: do i need to wait for the email and confirm in this live chat or via the email? TXTLOAN: Doesn't matter. Choose what is more convenient for you. ME: ok, i will await the email as it hasn't arrived yet, once again thanks for your help TXTLOAN: You are welcome once more. Take care! So the upshot being, they froze charges etc and all I pay back is the amount borred plus the initial interest. Regards

Hello I am in a bit of bother with payday loans not helped by RBS reducing my overdraft by 400 pounds on 2-2-2013. I am due wonga £581.90 with a due date of 30-1-2013. I emailed them to say i would not be able to meet that payment. After a few emails they have agreed that i can set up an arrangement myself through my account, however they say i cannot do this until 27-1-2013 at the earliest. This is the final email that i received. Has anyone set up their own arrangement?. How many instalments are you allowed to spread your debt over?. Hi **** We always aim to help you settle your loan as quickly as possible. Acknowledging difficulty in repaying is half the battle, so we really appreciate you getting in touch and discussing a repayment plan. We do appreciate your current difficulties but, in order to help, we need a better understanding of your financial situation. To do this, we need you to complete an online income and expenditure form which can be found at http://www.wonga.com/financialassessment.aspx. You’ll be able to view and complete it three days before your repayment date. Please note it won’t be available to you before this time. Once you complete the income and expenditure form, you’ll be given an opportunity to propose the repayments you can reasonably make. If, from the information you’ve provided, these payments are [acceptable/reasonable], your repayment plan will be set up within seconds. If not, we’ll suggest reasonable repayments using the information you’ve provided, which you’ll be able to confirm by responding to our email {or however we will contact them}. We’ll only be able to suspend interest and charges, and stop attempts to collect payment for all or some of the outstanding balance, once you’ve successfully set up a repayment plan.

Hello, I took out a loan with Lending Stream just after Christmas. Well, we all make mistakes. Anyway.. Website appears nice and clear and during the process I was shown a screen which looked to me as though I had the option to repay the full balance at any stage, showing the total amount due if I did so "repay early and avoid interest charges". I didn't save a copy of the information on the screen sadly as I naiively thought it would be emailed as part of the overall agreement. I was attracted by this flexibility e.g. it's a one month loan, but, can be extended over 6 months. I intended to repay before that, which is precisely why I should have kept that information. Anyway, the first loan payment was due, adequate funds in my account, and yet no debit. I get an email just before midnight saying "payment incomplete". I query with my bank. They say - there have been no declines. It isn't a "fraud block". There is no reason why the payment should not have gone through. It appears to have gone through the next day, possibly in the minutes just after midnight as by the time I looked (about 00:15) the funds were locked. Next day - email "thanks for your payment", which has mysteriously had £12 added to it. No subsequent credits during the day. They say it was declined, bank says it wasn't. I'll probably never know. Anyway: As you might imagine I just want to repay it all ASAP. Their site says To close you loan early you can login to your account to make loan payments on our website by clicking here. Please select the Loan Reference ID of the loan that you want to prepay from the drop down menu. The "Total to repay" field in the summary section displays the amount needed to close your loan. To make the payment, select the "Other Amount" option, enter the amount that you wish to pay in the "Amount" box and proceed with making the payment. Please email us at .. if you have any questions. All well and good. Except the "Total to Pay" is the total including the interest to the end of the term. They don't seem to make it easy to retrospectively find out how much it ought to be to repay early as I am assuming, perhaps wrongly, that this will be cheaper e.g. I will save on interest. That's how it appeared to me when I applied. Sorry if this is vague, I'm kicking myself for not clicking File > Save Web Page. Can anyone tell me: - Am I entitled to a reduction in interest by repaying early (between months 1 and 2 of 6) - How is the reduction calculated, is is "legislatory" Clearly I can ask them, but I wanted to know what rights I have, if any, before I do so to compare those with the response. Thanks very much.

Hi, I took out a personal loan with Natwest about four years ago. About eighteen months ago I became unemployed and the bank put me onto a financial hardship agreement whereby after disclosing my ingoings and outgoings I was able to offer a token amount each month. After finallly finding work I learned that there where arrears on the repayment account of £650 in interest alone. Another arrangement was made in October 2011 to make two payments every month - one for the actual loan reapayment and one to cover the interest arrears. In November 2011 I received a letter saying the repayment had defaulted and the agreement broken, this even though I had obtained statements showing these repayments. When I queried the letter the Natwest I was eventually told that a banking error had caused a deficit of 7p on my repayment, thus causung the arrangement to break. I was reassured that the error was not on my part and the agreement was reset. That was Nov 2011. Since then the same thing has happened every month, with the agreement being reset. I was compensated £50 by the bank in June or July 2012 (Incidentally a letter which was generated and read out to me by a member of their Collections Dept informing me of the compensation was never recieved by m e, nor have several other communications). When the agreement is broken, they deactivate my debit cards, and i've found myself in the situation where i've been in resteraunts having my card refused because of this. The most recent inconvenience was on Christmas Day when I learned that yet again the agreement had broken (12p this time) and my card was unuseable. Christmas Day...I then found out that their collections dept - who where the only people who could unblock the card - would not be available until Dec 27th. A member of their customer services team actually said to me that he had spoken to another lady that same morning with the same complaint and he'd turned around and said there was nothing he could do. To say I was curt is an understatement. The matter is yet again in the hands of the Complaints Dept. who have assured me a letter will be sent detailing the situation, and the banks actions to prevent it from happenning again. I've gone beyond monthly rages to a wierd state of blissfull acceptance, but will certainly be closing all my accounts with Natwest once my loan is paid in full. Is there any further action I can take though? I'm livid at the thought of a company with Billion pound profits can operate such shoddy procedures (although considering what happened in the Summer it barely surprises). All the best!

I have a lot of debt including a PDL which is due for repayment around 17th Jan, I have no means to repay at present and from reading through threads on here I have decided to wait for all of my creditors to Default me on the accounts before any offer of payment arrangement, this is so the 6 year wait for the default starts from then rather than when an AP or DMP would start from the date its completed. What I would like to know is regarding only paying back the original loan plus 1 mths interest.......does this mean for example say I borrowed £1000 and they put £400 interest on so total repayment due on 17th Jan would be £1400 - does this mean you would offer them the 1400 plus another months interest or does it mean you would only offer the original 1000 I borrowed plus a months interest?

Hi Guys, I have spent a lot of time on here browsing and getting advice without having signed up. I have been taking out Wonga loans for the past few months (I know..I know...) and now it has just gotten silly. I decided to send an email to Wonga as I owe then £686.05 on the 28th of December. This has already been extended once and I don't really want to do it again. I feel the only way I can afford to pay this back is through a repayment plan. I have heard of many success stories of repayment plans being accepted. And also learned from this forum that I should keep all communication through email. I emailed my proposal to errol.damelin@wonga.com and balanceoffer@wonga.com and received two replies the following day both of which seem automated. One was asking me to call up to discuss this further and the other was asking me to wait until I default before I could set anything up. Any advice on where I should take things from here? Thanks

Last week I managed to set up a repayment plan for Wonga using the help from this forum, many thanks to everyone. I stuck to the advice given here, did not answer any calls and only communicated by email and by the afternoon they had agreed to my repayment amount, even though they first declined the amount I had said I could pay. My question is can I move money back into my original account, as I had stayed up and moved my wages to a savings account the minute it hit my current account. I would like to move some money back into my current account to cover direct debits due to come off this week, but I am afraid Wonga will take the money? I have written to Wonga and Bank of Scotland to continue my continuous payments, and told Wonga not to debit my account or I would report them and the bank to the FSA, and I have also already paid them this month's repayment amount ahead of time. I have kept copies of everything from Wonga and they have agreed the repayment plan. I could not have managed all of this without the help of everyone on this forum, and I would say to anyone worried about repaying Wonga follow the advice here it works and it works FAST!

Happy Christmas, I’m new to the Forum, Just wanted to share my experience with Blemain and hope someone can suggest some options, I will briefly explain my situation. I took out a loan in 2010 for £29500, With the fees the opening balance was £33815.00. After paying 22 monthly payments totalling £8300.00, I enquired to them enquiring why I have not received any loan statements and was advised its not something they normally send out but has to be requested. I then requested my redemption figure and to my surprise my loan has somehow gone up even though I am on a repayment loan. Anyway the figures quoted by them Balance outstanding £34,241.80 Redemption Admin fee £195.00 Early repayment £2705.20 8% Total £37142.00 Now the early redemption figure I knew is quite high and at the time I needed the cash so did not query this. But what gets me is I don’t understand why my loan has not reduced, They have sent me a statement of my payments and something called Acturial Interest which changes every month. Any advise will be greatly appreciated.

When i took out my Vanquis card i was in full time employment and i do vaguely remember the advisor talking about the repayment option plan so i don't really have an issue with this. What i have an issue with is in July last year i was diagnosed with a chronic illness and as such had to leave my job. Since then i have been on benefits. When i became unemployed, i wrote to vanquis outlining my situation and asking to go on a repayment plan to which they agreed to at around £7 a month. However, i have been paying this regularly by standing order, but i am shocked to log into my online account to find the balance has increased from around £300 to around £400?? They have been regularly adding charges on to my account, even though i have been on a payment plan! surely this is what the 'repayment option plan' is designed for, to stop them doing this when you become unemployed due to a disability?? They are fully aware of my situation and i sent evidence etc. What can i do about this? I have sent a subject access request to them and i plan to reclaim the unfair charges on grounds of hardship and the fact i am on a repayment plan! I wanted to know whether i can claim back any repayment option plan fees because quite simply it has not done what i paid for in the first place. Any advice greatly appreciated Hayley

Evening Due to a change in circumstances and deciding to get my house in order i have decided to take the steps to becoming debt free. In order to do this i need to establish a repayment plan with lloyds. Rough estimates would be that the o/d is £1000 and i can afford £50 p/m. I have sent them a formal i+e via post but have not heard back. I was just curious about any stories of similar scenarios and whether they were willing to accept your plan while freezing interest and charges. And also whether you feel £50 per month for my £1000 o/d is likely to be accepted. Sorry for being a pain and thanks in advance

Hi everyone In the last month HMRC have twice sent cheques for income tax repayments through the post to me, both for an identical amount and for the same year that, as it turns out, I have in fact already declared through online self-assessment and already received repayment for direct to my bank account quite a while ago! One of these cheques is already in the mail to the bank before I realised it is a repeat, and upon querying with HMRC they have said yes it is a mistake please destroy it. Since then another has arrived through the post! Does anyone know where I stand on this, as one of the attached letters does say quite clearly that if a person underpays tax through no fault of their own because they did declare their earnings accurately then it is HMRC's problem, not the taxpayer? Thanks for your help!

Hi, I have had a letter from DWP regarding a social fund payment. This letter informs me that i will have to pay back my " loan". I have never had a loan of any kind from any benefits agency, its not the first time they have written to me regarding this, i have replied asking them for proof [ never got any] , i have asked them, when , where, etc etc. Never get an answer, now they are going to take £5 a week from my JSA to repay a loan i have never had. No inquiry, no investigation......... we say you owe so you pay. What are my options, the last time they wrote to me i stated i had never claimed for or asked for any loan & i wanted proof.It all went quiet & i got no reply, now they are back again. Just for the record, i have never had any kind of loan from any benefits agency , 100% sure about that. I can not afford this money just to be taken out of my benefit, i need every penny. Any advice please.

Guys, I have been a member of the CAG for several yrs now and must admit I never thought I'd find myself asking advice of this nature. I have managed to spiral my Wonga Loan out of control to the extent that I borrow about £1.089.00 a month merely to cover mortage payments, (I know crazy stupid sitsuation I have got myself in !!!) by my next payday 28.11.2012 I will be paying them £1450.00. I have got myself in such a crazy fix that I am left with no alternative but to request a repayment plan if only to minimise the interest Iam being charged very month. First and formost, after reading other posts on here, i believe Wonga will not even deal with me until i actually default. As a result I was wondering if anyone could asist with the following. 1. Can anyone possibly help with an initial letter to Wonga requesting the Repayment Plan (Iam planning on letting them know asap, that there will be a likley default on the 28.11.2012) 2. Can anyone let me know how long Wonga will allow a Repayment Plan to run. (I am looking to possibly clear the balance of £1450.00 back over a 10 month period at approx £140 per month. I I have already put the background stuff in place..ie set up of basic bank account for salary, cancelled debit card and will be informing bank and Wonga of cancelled CPA instructions. Just hope the buggers will agree to my proposal. I will of course merely send them basic I/E info and insist on all correspondance in writing. Any further advice would be most welcome folks, as Iam also in a similar situation with Pounds tilpayday to the tune of £600..so I will be employing a similar course of action with them.

Hi All, Try as I might, I can't find a template for PPI SAR request letter and am not confident in writing my own. I have a 'Repayment Option Plan' with Vanquis that has been active from the beginning and is responsible for minimum payments never being enough to lower the balance. I would like to claim this back if possible but the online banking platform only allows 6 months of statements download. To this end, I need to send a SAR to get all the details. If anyone could help I'd be grateful. TIA DaveB

Hi guys! Sorry for a thread thats probably been done 1000 times however here goes... I got into the payday spiral but last week before i defaulted i decided enough was enough so i am now in a debt repayment plan and have made the first payment. However as i took out a loan with payday uk 7 days before i entered the plan they have stated they will only deal with me directly. Now that all my other loans are in one place i can just about afford to put them in a repayment plan just not as much this month as i had to pay off minicredit straight away due to there reputation. Should i send an email stating that i am willing to enter a direct repayment plan however only by standing order as i know the pitfalls of giving out card details. Also would it be ok to use the i+e form that i have already completed with my debt managers. Sorry again just a bit nervous about having to deal with the creditors myself. Thanks

Evening all, I have another debt with safeloans, where it has come to the point I should probably pay them. I received this email today. Scare tactics or not ? They say I can pay back at discount rate 590 and it is all cleared? The original debt was 400 ish? So Im not overly arsed about the 590 to pay them back. I am planning on electronic transfer online from my bank, Is this safe ? Will they wipe the debt completely ? Despite sending you a Default Notice and OFT fact sheet, we still have not received your payment on the outstanding balance which is outlined above. A Default will be issued on your account within the next 30 days and once issued will show on your credit file for a whole 6 years whether satisfied or not. This may seriously affect your ability to obtain credit. If you do not pay this debt we may also consider using litigation, If we obtain a CCJ against you and you fail to satisfy the CCJ judgement debt we may then seek to obtain further enforcement action against you by attachment of earnings order, we wish to advise you that if we obtain the attachment of earnings order this process will involve your employer providing the court with a certificate of your earnings and if a full attachment of earnings is granted the court will order your employer to make deductions from your salary. Additional fixed court fees will be added to the (CCJ) judgment debt. We are posting you the Pre-Action Protocal "The Notice of Intention" which will clearly shows you the amount needed to settle your account. If we proceed with litigation statutory courts costs will be added. We have always tried to negotiate payment of this debt with you and even at this late stage we would still prefer to settle this amicably, therefore we are prepared to offer you 3 reasonable repayment options to settle this debt in full and final settlement of account. Our 3 Proposal offers for settlement. 1. A substantial 15% discount off the balance owing, your new discounted balance is £589.05, to take up this offer the account must be repaid in one payment and by the 22/10/2012. This action will settle your account and stop any intended proceedings. 2. A 10% discount off the balance owing, your new discounted balance is £623.70, to take up this offer the account must be repaid in two monthly payments and the first months payment must be received by the 22/10/2012. This action will settle your account and stop any intended proceedings. We would prefer the payment to be made by valid Debit Card and we will then set up a payment plan on our system for automated future payments on the day they are due. You can of course make a bank deposit transfer or you can also post a cheque or postal order to our office address at the bottom of this email. 3. No discount off the balance owing, this payment arrangement is set over three months. The first payment must be made on / before 22/10/2012. This action will settle your account and stop any intended proceedings and will require three equal payments in the sum of £231.00. If the balance owing cannot be equally divided the 3rd and final payment may slightly vary. This action will settle your account and stop any intended proceedings. We would prefer the payment to be made by valid Debit Card and we will then set up a payment plan on our system for automated future payments on the date they are due. You can of course make a bank deposit transfer or you can also post a cheque or postal order to our office address at the bottom of this email. Please note you must contact us no later than 22/10/2012 with your proposal We are posting you a schedule of payments sheet. To confirm which payment schedule you have chosen please contact our office Monday to Friday between 9:00am - 5:15pm on: 020 86800990, please press option 2 and you will transferred to a specialist collection team member who will be able to assist you in all repayment matters including if you are experiencing financial difficulty. We would prefer repayment by debit card as payments collected are updated on to your account instantly, of course you can make bank deposit payments direct to our account or you can also post a cheque or postal order to our office address at the bottom of this email. Please note these payments will be entered manually and may not show on your account for a day or two, please contact the office for our bank details. You can also post a cheque or postal order to our office address at the bottom of this email. You may also send a letter or email your intention to: litigation@safeloans.co.uk If your first re-payment date is more than 7 days away you will need to make a “Token” (Goodwill Payment). Because of the seriousness of the account status a minimum token payment £20.00 is required to set up the payment plan. If you do not repay this debt we will still continue with our intended proceedings in trying to seek to obtain a (CCJ) judgment against you for the debt outstanding, If we obtain judgment and you still do not repay your debt we may then seek to obtain further enforcement action which may include attachment of earnings order, and if a homeowner a charging order, we must warn you a County Court Judgment will show on your credit file for 6 whole years from when registered whether satisfied or not. Please note all fixed court costs and fees will be added to your account. For advice about County Court Judgments please visit the Directgov website www.direct.gov.uk and enter Count Court in the "search this site" bar, for debt advice contact citizens advice bureau www.citizensadvice.org.uk

Hi there I have a massive problem. I have received an invoice from CTC asking for £6,000 to be paid to them I ended up a single person with 2 children, however neither me or husband notified CTC that he moved out. Anyway when I did phone them and said when he moved out she never said there would be a repayment due. Now before they were notified I was getting much less money than I was entitled too because he was working. Anyway, my question is, can they ask me to repay this money because it means all the money I received I have to pay back which means I would have had no money for that period of time. Funny thing is DWP paid me a lump sum after I told them he had gone to make up for the loss so why are they asking me for money back? Ive read on here that something can be off set or something against it. Please help me I don't know what to do. How Can i defend myself?

I would really appreciate some advice on whether I'm actually entitled to reclaim the premiums I paid out for this product. I've always been self-employed; when I took up a mortgage with HSBC in 2001 I was sold a Mortgage Protection Plan with Critical Illness Benefit plus a Mortgage Repayment Protector policy. I understand that the MPP with CIB is a form of life cover so that probably wasn't missold, but would the MRP have paid out to a self employed person? Does anyone have experience of this product and the self employed? Many thanks.

anyone give me some rough details as to what to put in email to wonga asking for repayment plan please? have serious problems with extremely sick wife and cannot meet date for paying due in next few days, do i just say what i can afford to offer each month? with explanation as to why and hope they agree? thank you

Hi, I need help with crafting a reply to Pay Day UK. I am trying to set up repayment plans with all my PDL which are outstanding, and have done most but this one as well as a few others are being obviously very awkward. They ignored my first two emails and continued to call me between 10-12 times a day for the last week. They finally replied and said this: Thank you for your email. > > Government guidelines state that we allow £100.00 a month per person on housekeeping. Based on £150.00 a month for this I have worked out our pro rata offer as £76.48. Therefore this is the minimum we can accept each month. > > The first payment would need to be made immediately. > > Can you please confirm the last four digits of your long card number and the expiry date for me to ensure we hold up to date details for you. > > Also if you can confirm your regular paydate. > > Please note we have now cancelled your deferral pending acceptance of our offer. This means that until an arrangement is agreed and a payment received your account is not on hold and payments can be tried at any time. > > Kind Regards, > > Stacey > > Collections > > PaydayUK, My question is this then really - can they tell me what I can spend each month? Could someone please help me with a reply. I offered them £31.91 which is the most I can pay (using the excellent budget planner on here so thanks for that) Thank you in advance!

Hi all, I have a credit card from Vanquis Bank and have had the card for approximately four years. After my divorce I moved about from place to place and only continued to make the minimum payments. My mother passed me a statement recently dated 15/11/11 and the amount was £565.21. Now the original credit limit was £250. On checking my bank statements Im only paying £29.00 per month and with charges etc the amount is still going up. Here is a breakdown of the statement. Direct Debit Payment: £29.00 Cash Interest: 0.02 Purchase Interest: £13.84 Default Charge Interest: £3.29 Overlimit Charge: £12.00 Repayment Option Plan: £7.20 However stupid this may sound, and after a divorce etc I actually completely forgot about this card until my mum gave me this old statement. And as you can see the amount is rising and rising. I have no other paperwork apart from this old statement. Is there anyway I can reclaim the Repayment Option Plan/PPI and or interest charged. So I can attempt to get this paid? Any help or advice on how to do this would be gratefully appreciated. Thanks

Morning all first time poster. First of all I would like to say how helpfull this forum has been with reading peoples experiences and also peoples input and encouragement in overcoming their debts. I now require some help of my own. My current debts are as follows I currently have a loan with Wonga for £1500 which is due for collection on August the 1st. I owe a debt collection agency £900 for the remainder of my Orange mobile contract (I have written to them offering £20 per month 5 days ago and have heard nothing back since) I also owe £340 in upaid council tax (My direct debit is active but my last 3 payments have not come out,I have yet to contact them regarding this but have recieved a letter...I live in a rented property) The money I have clear/spare at the end of each month is around £150 that is with paying my normal council tax and all other bills. I emailed wonga explaining that I would not be able to pay the amount of £1500 in one payment and would need to arrange a payment plan with themselves. Today I recieved this reply Our aim is always to help you settle your loan as quickly as possible. Acknowledging difficulty in repaying is actually half the battle, so we really appreciate you getting in touch and discussing a repayment plan. Whilst we appreciate your current difficulties, in order to help, we need to get a much better understanding of your current financial situation. To do this we need you to fill in the attached income and expenditure form and return it to us as soon as it is complete. Please note: Incomplete income and expenditure forms will be returned to you for further information, and interest, charges and attempts at payment will not be suspended during this time. As soon as we acknowledge receipt of your complete income and expenditure form, we will suspend interest and charges and all attempts at payment. When we have assessed your income and expenditure form we will reply to you, via email, with our decision. We are here to help, so if you have any queries regarding this email, please contact our friendly assessments team at this email address: wonga etc etc I have read on previous threads that people advise against summiting this form? I do not wish to come across as awkward from Wonga's perspective but also would not want to hurt myself by submitting this form if it is not advised? I would really appreciate some advice on the next steps forward for myself,My main concern right now is Wonga but any advice with my other debts would be very much appreciated. Many thanks for the assistance and taking the time to read my post.

I appealed on 27 March and received decision 25 April and was successful. The letter stated "revised award notices ... will be sent shortly" and I am still waiting and they owe me money too! I called yesterday and was given some waffle about "technical problems". I was told some other people had the same problem. Is this some ploy to not pay people what they are owed. They are quick to demand repayment but stall when they owe us money. I was given an address where I could write to complain but no info on when I can receive a revised entitlement letter or indeed my money!

Hi, I have tried to set up a repayment plan for my payday loans most I have not had a problem with but two won't set one up, they are CLO and Quickquid. They say they don't have to set one up as I agreed to this loan. I have sent emails back to them with the budget speadsheet from this website and mentioning the other creditors have complied. Can anyone advise me where to go from here?

Hi, I had a debt of £328 old council tax bill or something from 2003 that came back to haunt me. Philips got hold of it, put their fees on and said they wanted £110 a month. I told them that was impossible, I just couldn't afford it and offered them £50, they refused. I paid £100 after scrambling money together, but it was late, and hence they sent another bailiff round, and added on another £200! So I have kicked off and told them I just can't afford £100 every month, now they are saying I have to pay £240 a month, or £60 a week. I have written back asking where is the logic in doubling a payment plan that I couldn't afford in the first place. Can anyone help, they are saying if I want to pay £50 a month I can, but they'll still send bailiffs round and every time thats another £200 right? It seems crazy. Cheers Jay