Once again find myself in PDL Hell

[S27]

The words 'responsible lending' I find a con. I know the amount of debt I am in is my own fault but the last year I have started up payment plans with them and tried to get myself back on track. I have 3 that I use still, WDA which this month I paid off in full and then had to reapply because it is a huge amount. Now I am having trouble with Quid Market. They gave me a PDL when I probably shouldn't have been accepted but it was a massive help none the less. Last month, I was going to pay off my loan in full so I didn't respond to any of the defferal messages and thought it would be dealt with. As I thought it had been dealt with and as I recieved a tiny bonus as well last month, I splashed out on my boyfriends birthday present before realising I may have over spent so I would apply for my QM loan due to me. When I went on my account area, it looked like it was saying my account was outstanding but I owed nothing, so I emailed their customer services and said you've made an error and I wish to reapply. They then said ohh no there was a fault so we didn't take the payment but out fault we will hold off and take payment at the end of the month. one hour later, I had my banks fraud squad on the phone for all these attempts to take money off my card. They told me the name of the company and because they were authorised card payments, there was little they could do. Fuming, I called QM to ask what they were playing at as they had admitted it was their fault. They refunded my money, which sat in uncleared funds for over a day until I called and demanded it back right now as i would probably get penalised and it was them who emptied my account.

The end of the month comes along and with me starting a new job soon, I thought i should defer this loan and save a bit. I didn't get an email from them, so i emailed customer services and got no response. Payday comes around and they take full payment, bang on time. I thought OK, I'll just have to reapply for one, and as my WDA loan had been wiped by that one, I went to apply for it there and then. I sent through my details, as per, and they asked if they could have my new work details as I had explained I needed to change my paydate, I said I hadn't had them confirmed but I was still at my current place for the time being. Then I got a decline from them. Wasn't too panicked at first because, they had done this before and someone had 'ticked' the wrong box apparently. Anyway, I called and got through to possibly one of the most condescending idiots ever. He said they have a system and apparently the amount I pay out now is over that and therefore it would be irresponsible for them to lend to me. I said I've never not paid them back on time, where he then said I had last month, I said I could send them every email I had which they took all the blame. I said you didnt even send me a note that it was due, he said we did, we sent 5 and then ratteled off dates in July, I said I got those, I mean where were the ones in August. He then kept saying because you defaulted and we didn't charge you...I had to keep reminding him that I didn't default it was their fault. He said no no no, they were nice enough not t charge me, I said you admitted it was your fault. Anyway he gpes on to say he doesn't like turning customers away but they have to be responsible. It is my own fault but now, with 3 weeks until payday, I have nothing. Last year, I admitted to my mum I was in trouble and she helped me but we fell out massively and didn't speak for 3 months. I've just got a new job, I get to finally move up in the world and now I'm in a horrible position so I can't be happy about it. If I go to my mum again, it will be 100th handout probably and shes a single woman, 2 kids, I am an adult, who is useless. I am trying and I know it is my fault, but I have a new boyfriend who I'm scared will chuck me if he knows about this and also run the risk of falling out with my mum again. I've no one else to turn to and of course, the lure of applying for more PDL's to try and get myself back on track is failing as no one is willing to lend to me. I doubt there is anything else I can do besides see the dissapointment in my mums eyes again. My niece is having her first birthday party this weekend and I can't afford to get there let along buy her a present. I hate that everytime I think something is going right, something like this happens and it never seems to end. Advice or just understanding would be really welcome. I feel so alone when it comes to debt and no one understands.

 

S

[wigan89]

Hi,

 

I'll give you some quick and simple advice to get you on your way, i don't know everything in detail as your post is a little hard to read but a lot of people in your position should just follow these steps (It's a long hard road but you'll get out of this mess eventually):

 

1) Payday loans aren't high priority bills, so only pay back what you can afford on a weekly/monthly basis.

2) The lenders can't do anything to you, no matter what threats you get just ignore them and keep calm.

3) Only communicate with them via email or letter, never speak to them on the phone.

4) Setup a new bank account and cancel your credit/debit cards so no payments can be taken.

5) Cancel and direct debits/standing orders you currently have with them.

6) Email them to discuss a reasonable repayment plan that you can afford.

7) You're definitely not alone, everyone here will help you the best they can.

 

List what lenders you owe money to and how much you owe. The most important step would be number 4 because these lenders will take money from your account as and when they please - always make sure you have enough money to last you the month for food and all other priority expenses and don't worry about these lenders.

 

You may even get letters from debt collectors saying they're going to come round to take all of your stuff, or contact your employer but this will never ever happen.

[donein]

Hi,

 

I'll give you some quick and simple advice to get you on your way, i don't know everything in detail as your post is a little hard to read but a lot of people in your position should just follow these steps (It's a long hard road but you'll get out of this mess eventually):

 

1) Payday loans aren't high priority bills, so only pay back what you can afford on a weekly/monthly basis.

2) The lenders can't do anything to you, no matter what threats you get just ignore them and keep calm.

3) Only communicate with them via email or letter, never speak to them on the phone.

4) Setup a new bank account and cancel your credit/debit cards so no payments can be taken.

5) Cancel and direct debits/standing orders you currently have with them.

6) Email them to discuss a reasonable repayment plan that you can afford.

7) You're definitely not alone, everyone here will help you the best they can.

 

List what lenders you owe money to and how much you owe. The most important step would be number 4 because these lenders will take money from your account as and when they please - always make sure you have enough money to last you the month for food and all other priority expenses and don't worry about these lenders.

 

You may even get letters from debt collectors saying they're going to come round to take all of your stuff, or contact your employer but this will never ever happen.

 

Good advice!