Urgent Help Please!

helpfixmylife

Hi Everyone,

Newbie here. Just joined as I have decided it is time to sort my life & my finances out.

BUT

I have an urgent matter I need help on. And I know I was stupid for even getting one in the first place but its in relation to the dreaded Wonga.

I have been getting Payday loans month in month out for the past year slowly increasing with different companies. So I got to the stage where I was getting more PDL's to payback the ones I owed. Anyway I got paid on friday yes only 2 days ago. Basically I have used all my pay packet to clear in full all my PDL's apart from one I have with Wonga. I intended to get another to pay or at least extend Wonga like normal but I am now being declined by them all. So Wonga is due tomorrow and I cannot pay so I am thinking its going to be defaulted and I will have to try and sort out a repayment structure from I have been reading on peoples posts on here.

So I am asking very kindly if anyone could provide me with some kind of sample or example email I should send to Wonga to go about setting up a repayment plan and getting them to freeze the interest.

I am so scared and not been able to sleep.

ANY HELP IS MUCH APPRECIATED.

Current Standing
The initial loan: £1084.00
Current Interest: £323.36
Transmission fee: £11.00

BugsyBrowne

Still can't understand how people say they can't sleep due to having loan problems.

Phone them up I would think is your best bet.

helpfixmylife

I appreciate it.

I know I am stupid for even starting to get into them.

I have read phoning is not the best option. Any more help from anyone would be must appreciated ! thank you soo much

Happytogetdebtfree

Try posting on the dfw board

DCFC79

What led you to get the pay day loans ?
Was it a 1 off problem or a reoccuring 1 ?
If its a case of spending more than what you earn then cut down on your bills.

Id write to them and ask any contact to be made in writing so you have proof of it.

I second posting an SOA on the dfw board.

helpfixmylife

I have a gambling addiction which I am addressing and have not gambled in a good few months. So thats a positive.

I will try and post a SOA on the dfw board....Any sample letters/email I could send would be much appreciated

coshboy

DFW is Debt Free Wanabee in case you didn't know.

http://forums.moneysavingexpert.com/forumdisplay.php?f=76

DCFC79

helpfixmylife wrote: »

I have a gambling addiction which I am addressing and have not gambled in a good few months. So thats a positive.

I will try and post a SOA on the dfw board....Any sample letters/email I could send would be much appreciated

Its good you haven't gone back to gambling, keep it up.

rdwarr

BugsyBrowne wrote: »

Still can't understand how people say they can't sleep due to having loan problems.

Keep trying - you'll get there one day.

helpfixmylife

rdwarr wrote: »

Keep trying - you'll get there one day.

If there was a like button for posts....I would have definitely liked this comment

BugsyBrowne

rdwarr wrote: »

Keep trying - you'll get there one day.

Thanks headmaster.