A desperate borrower had her account emptied, leaving her unable to afford rent, bills and food, by a payday lender she had agreed a repayment plan with. The This is Money reader, who wants to remain anonymous, borrowed £900 from payday lender Quick Quid. But despite the lender agreeing a new repayment plan to help her out after she was left unable to work, it then took a large payment that cleared out her bank account and left her stranded. Read more: http://www.dailymail.co.uk/money/cardsloans/article-2168712/QuickQuid-agreed-help-took-money.html#ixzz20B7mfYtg

A desperate borrower had her account emptied, leaving her unable to afford rent, bills and food, by a payday lender she had agreed a repayment plan with. The This is Money reader, who wants to remain anonymous, borrowed £900 from payday lender Quick Quid. But despite the lender agreeing a new repayment plan to help her out after she was left unable to work, it then took a large payment that cleared out her bank account and left her stranded. Read more: http://www.dailymail.co.uk/money/cardsloans/article-2168712/QuickQuid-agreed-help-took-money.html#ixzz20B7mfYtg

Please Help!!! I have probably been a fool!!? I bought a vehicle with Santander some time ago, unfortunately came out of work and fell behind. They sold on the debt to CCM, where I was making sporadic payments as when I could, as I beleive I owe the money and should pay it back. They subsequentlty had a CCJ against me and took it to the High Court. I have since been visited by one of their officers whilst I was away on another dead end course for another dead end job! He spoke to my wife and really shook her up. I borrowed some money from my young son in an attempt to keep the vehicle and made two other subsequent payments though not to the total agreed as I couldnt afford it and had to pay the mortgage first which is in arrears and under agreement. Last Wednsday a Knock on the door at 7.00am - the HCEO telling me he had come for the vehicle. I explained I needed it for work only having just got back into construction and would be able to start paying the debt down. As it was early in the morning and I had two young children asleep in bed i didn't wann't to cause a row. Being in a state of shock and pannick not knowing what to I invited him in whilst I got dressed. Foolishly i now know!!! After again appealing. The HCEO was adamant that he was to enforce the Writ! I foolishly emptied my pssessions and gave him the keys!!! He then took the car to a place for pick up apparently!? He left no receipt, showed me no order, though I never asked either. The vehicle is being sold at auction and wont raise enough for the debt, It may not even be enough for the fees?? I now have no means of getting to work, my only saving grace at the moment is that the weather is so poor, the work has been postponed. Though I fear being let go for not turning up imminently.?? How am I supposed to pay any debts then!!?? I have let HCEO know this. What is the legal psition for this and 'Levy' should i have this in writng? I still have a key and the log books, I am tempted to just go and bring it back? Who now owns the car? Would I be stealing? My wife and I are in financial difficulties, I can't afford to apply for a 'Stay' Would it be successfull If we did apply?? My wife has a car which is registerd in my name but always has been for insurance purposes. She needs it for work and the children. The HCEO says he has a 'Levy' on this too? Again no paperwork. We did have that car for sale has it happens and were going to use the money to buy a cheap vehicle for me and use any surplus to pay our other debts, Don't know where this leaves us now?? Apologies for being long winded but if anyone can help......? I have been able to get an appointment with Citizens Advice but not untill Monday. Allas I think it will be to late if it is not allready..??? Very Much Obliged