pde help!!

[emma1989]

hi guys. have posted before about other payday lenders. i have managed to pay off pduk, minicredit and pounds2pocket.. i now only have PDE and wonga left to pay off. unfortunately i lost my job as the start of july. i had money in my account for PDE at the end of july however they never lifted the money. Im currently trying to talk both wonga and PDE to lowering my payment plans as when they were both made i was employed. PDE have said if i dont make a payment of £120 by the 31st august, it will be passed to their legal team... wonga want me to pay £80, however i have been in email contact with them and hoping they will lower it. but im really worried about PDE. i told them at the time I had lost my job and he said it didnt matter i had a payment plan... (which was made when i was employed) and it could be changed. he said i was already so many days overdue on the payment plan and once 31st passed, it would be passed to their legal team.... what on earth do i do?! im terrified?! im actually more scared of this £240 debt i have with them than i was with any other company... what do i do?! any advice would be greatly appreciated.

[emma1989]

PDE are asking for £120 as a double payment to include julys payment.

[renegadeimp]

Work out a full income and outgoings form. once youve done this, create a simple budget summary for your creditor and offer them a repayment plan that you can realistically afford.

 

Sign it as a decleration of fact and of they refuse to agree to it then they are breaching oft guidance.

 

Also make sure you secure your money and tell them that repayments will only be made by standing order.