Payday loan stupidity - misery

powerwin

live_within_ma_means wrote: »

I'm frightened I will get a DAS and I still won't change my behaviour when shopping...its like a distraction and if i'm needing a boost i will go shopping...Its stopping me from getting on in life as i never have any money...
I earn a decent wage and could probably have a decent life but i waste so much money every month on impulse buys i don't need I also waste food too I feel so ashamed but I thank you for your post ans wish you well.

Try to change your routine so that you consistently go to bed at an earlier time. This may sound strange advice, but it will make you less anxious, and reduce impulsivity. Consistent good sleep can really help you in my opinion.

If you have compulsive shopping, you really need to avoid shops and internet shopping sites. Just don't let yourself go near them.

Try and find a rewarding but largely free hobby, that you can do instead, e.g. photography, reading, cooking.

Good luck.

BigDebtBoy

Does this look ok for a email to them informing my situation,? anything to add or leave out ?

Dear sir/madam

Re - customer id **********

Unfortunately My circumstances have changed and I now find myself unemployed and unable to repay the amounts owed on the dates set, I ask that you kindly hold any action and freeze any interest or any other charges on my account
The only way to contact me at present is via email as I am no longer at the registered address and staying at a friends until I am back on my feet, my mobile phone will also be cut off shortly as I am unable to meet the monthly contract payments

At this point in time I would like to negotiate a affordable monthly payment plan and until such a plan can be agreed will be happy to make a token payment of £1 per months soul would kindly ask for your bank account details to pay the money into your account

I look forward to hearing from you

best regards


Also should I get someone like cccs/payplan to deal with them or just do it myself

BigDebtBoy

Anyone have any advice on the email ?

eyeopener2

Personally I think it is fine as it is. Be strong though as they will refuse the offer.

And keep a record of everything!

glasgowsaver2011

Yes its fine.

Just go ahead and send it!

BigDebtBoy

Thanks guys, sent it earlier and got this reply

We have received your email. Unfortunately, we are unable to make changes on your account. I do apologize, but we can assist you with payment options after your payment return with our Collections department on or after 02/05/2012.

If you have any queries, our Collections Department is here to help.

QuickQuid Collections Department
Direct Line: 0808 234 4561
Fax: 0808 101 1381
Collections@QuickQuid.co.uk
https://www.QuickQuid.co.uk

Presume this means they wont do anything till the payment bounces etc, no mention of stopping charges etc though

Have change bank accounts, got my benefits paid into new account also cancelled my old debit card and nationwide tried to charge me £10 for a new card so told them not to bother just wont use them anymore, £10 for a piece of plastic :mad: jokers

BigDebtBoy

Right I keep getting emails saying to phone them and update my card details/bank details (my bank account registered is empty and will be empty for good now) I reply with the above email which they keep ignoring and get no reply other than please phone and update your bank details, shall I just ignore them if thats what they are going to do or just reply with same email over and over

Toomuchdebt

I would just ignore the emails asking you to update bank accounts.

BigDebtBoy

Finally got this today, problem is I can't afford that amount not even close at the moment and its only for the first set of fees, still another £700 after this (£350 is Interest)

Thank you for contacting us to inquire about how to pay off your balance. The payment plan we can offer is detailed below.

£58.09 due 28/5/2012
£58.09 due 27/6/2012
£58.09 due 27/7/2012

Our records indicate we do not have valid banking details on file which is needed to payoff your loan, according to you loan agreement. Please contact us immediately to update both your debit card and banking details. You can contact us via email, phone, and Live Chat. To update a Direct Debit please provide: Sort code and Account number. To update a Debit Card please provide the Card type, Card long number, 3-digit Security Code, Issue number, Card Expiry Date, and Card Start Date. Please note, this information is required to secure your payment plan and halt collection activity.

To confirm your agreement to this payment plan, please reply to this email stating that the terms are favorable. You must include the original email with the terms to which you are agreeing in your response. Once we have heard back from you, we will set up the agreed upon debits to come out of your bank account or be charged to your debit card.

Collection procedures will continue until an acceptable payment arrangement is made.

BigDebtBoy

As well as the above I asked about how to make a token payment and got the following response

''The acceptable payment methods used by Quick Quid are: Bank Account, Debit Card, PayPal/Credit Card, Bankers Cheque or Cashiers Cheque. Unfortunately, we do not accept standing orders, giro slips, or provide an account number that you can make cash payments into. We apologize for any inconvenience this may cause.

If you have any queries, our Collections Department is here to help.''

I can't use any of them as don't have any apart from new bank account and they aint having those details

are they blagging me ?