Hi all, Don't go there but I have, again, got myself into a situation. Long and short I owe Uncle Buck £742.23. I emailed them over a week before it was due that due to devastating personal change in circumstances I cannot pay and I offered £40 a month. Very slow to respond to emails and was told, on the Wednesday that an I & E form would be sent via email. It turned up Friday, the day the loan was due to be paid (25th April). But they are asking for too much and seems very intrusive. The I & E form is very long with Excel tabs outlining every area of life! Here is the email: "Please complete the attached income and expenditure in full to enable us to determine what is a fair and reasonable repayment plan for you to repay your current outstanding debt. When you return your income and expenditure form you also need to provide 2 further proof documents: If your are in receipt of any benefits, a recent letter that confirms the type of benefit, the amount and how often you receive the payments and a complete bank statement dated within the last 3 months, showing receipt of your income and general expenses. If you are employed, wage slips to cover one month dated with the last 2 months and a complete bank statement dated within the last 3 months, showing receipt of your income and general expenses. Please ensure you return your completed income and expenditure and proof documents by the 29/04/2014. If you have any questions or need any other help, please call us on 01959 583979. We are available from 8am to 6pm Monday to Friday." I have major issues with sending any of this really. Can anyone tell me where I stand and the best way to progress? Thank you, Swanleyboy

quick question regarding uncle, You borrow 100 pounds and they charge you 15 pounds for fast transfer so your credited with 85 pound. flat rate interest of 34.95%= repayment of 134.95 but it says in terms "This costs £15, which will be deducted from the amount of credit you receive. Please note that this charge is totally optional, not mandatory, and does not form part of the Total Charge for Credit, so if you opt to pay it, it is not reflected in the calculation of the APR shown above. So is 134.95 correct?

Hi, Due to the demands of Christmas I stupidly took out two payday loans one with Minicredit and the other for Unclebuck. Both are due next week but there is no way I can afford to pay them back in full. I owe m.c. approx £300 and u.b. approx £200, I will offer them a reasonable repayment amount tomorrow via email. I have cancelled my debit card and instructed my bank to cancel the CPA on both. However I am terrified of the extortionate amount both of these lenders seem to add to loans if they default (reading other posts). I have learnt my lesson and just want to repay both but I expect these loans to escalate to huge amounts over time. Can anybody advise please on how to deal with these companies?? Thank you