Payday loan help please

llyod

Hi i am hoping to find some help please. I took out a payday loan a while back and got myself into a bit of a mess with them. I have realised how stupid i was because i would then take out another and another to help pay back and now owe a lot. I have managed to set up payment plans with them all apart from one which is pay express. I spoke to them on phone and have sent lots of emails but they wont reply. I owe them £400 this friday and i just do not have it. This is what i owe...

WONGA...have paid £176.86 and owe the same over two more payments on the 19th of the next two month.

QUICKQUID...£104.16 on the 5th of the next three month

ONE MONTH LOAN...£50 a month for the next 8 month.

Even though its a lot im very happy with these plans as i feel im going in the right step and am close to getting them paid off.

I am very worried about pay express though as i have no idea what to do.

Does anyone know another payday loan company i can use to pay off my express loan and save for another month or two to pay new one off?

I have very bad credit as i have two credit cards owing about £500 each and used to always miss payments. I was young and stupid but am really trying to turn my life around but i cant get a loan from bank or another credit card.

Please any suggestions would be great.

Thank you

Tixy

Hi and welcome

I absolutely wouldn't take out another loan just because payday express are not responding to you.
First have you protected yourself from them being able to take repayments from you (by moving to a new bank account and having your salary/income paid into that)? If you have done that I would either start making reduced payments to them to repay your debt, or ask them to pass your debt onto debt collectors.
If you haven't already take a read of this thread - Dealing with Payday Loan Companies

llyod

Thank you, i have set up an account with llyods but how will i pay the lenders i have set up plans with? thanks

Tixy

Standing order to their bank? or online banking payments? you'd need to ask them for their bank details to do this.

llyod

Thank you for your advise, i can move my pay into my saving account as soon as it goes in my bank for this week, i will then move the 50 i need to pay oml in and i was thinking about phoning pay express tomorrow to see if i can extend by 1 month and hopefully be able to pay it all off next month, these people are not nice to deal with, i had absolutely no problem with the other lenders, they seemed very happy to freeze the interest and help me