advice needed on sending CCA requests to payday companies **

[clarealex]

I am after advice on how to go about sending CCA requests to payday loans and catalogues. Here is my situation:

 

1. Quickquid loan- owed £1069, currently with mckenzie hall repaying at £15 per week with standing order- originally a loan for £900.

2. Wonga-owed £700, currently on repayment of £10 per week with standing order, roughly £600 left to repay.

3. Txt loan-owe £100, with interest £117 is due to be repaid on the 12th of this month.- they have my current card details.

4. Payday express, owe £400, rolled over once already for £100, now £500 due to be repaid on the 15th of this month- they have my current card details.

5. WDA, owed £350, on repayment plan of £40 per month by standing order- one payment left of £59- however this includes £36 set up fee for the repayment plan- due to be repaid on the 6th of this month- unable to make repayment- nothing heard from them as of yet.

6. PDUK- owed £550,on a repayment plan of £50 per month by standing order, £200 left to repay, due 6th of this month.Been given until tomorrow to pay or further collection procedures will commence.

7. Additions direct ( catalogue )- £900 owed, missed two payments now on repayment plan of £66 per month as they would not except any lower amount- to be paid 22nd of this month- £450+ of this debt is made up of late payment fees accrued over the last couple of years.

 

I also have three credit cards which works out at about £45 per month in repayments and a personal loan of £150 per month.

 

I am currently on maternity leave and receiving £125 per week plus £20 in benefits. I very very stupidly and out of desperation took out the payday express and txt loan whilst on maternity leave without stating that i was on maternity leave- i know how stupid this sounds, but believe me it was pure desperation- to pay household bills after my partner due to personal reasons was unable to make this months rent and council tax payments.

All other companies are aware I am on maternity hence the reason for the repayment plans.These loan were taken out last year with the view of having them repaid well before I went onto maternity but due to a combination of having to take my maternity leave early- baby was premature and other unexpected bills they were rolled over for several months.

 

My plan was to send each company a CCA request just to bide me some time until next payday when I can continue with the repayments.

 

However as the due dates for most of these loans are within the next day or two would I be best to email them to let them know I have sent a CCA request- I have them written out and ready to post today- and that I shall be refraining from making any further payments until valid CCA's are received and then I shall continue with repayments- this may stop them from phoning all day long.

 

Should I copy every company onto the same email so as they are aware of exactly how many creditors I owe to and I am not favouring one over the other.

 

Please believe me that I am not doing this as a way of avoiding my debt-if valid CCA's are received then I shall restart payments somehow. It has just got to a point where there is now no money left to repay anything this month- council tax and rent alone was £400.

[maroondevo52]

Hi, clare.

 

I have unapproved your two posts you posted on another thread as you seem to have started this one ok.

 

Regards.

 

Scott.

[clarealex]

Has anyone any advice please before I send off cca requests and emails to the companies

Many thanks