Quickquid advice?

[Deleted User]

Hi there, wondered if someone could help me as I'm in a bit of a pickle.

I have a Quickquid FlexCredit debt of £839.08. I have been a customer of theirs for over a year and have never missed a payment- however lately my financial situation has changed and I am now in default.

I have emailed them offering them £50 a month but they haven't responded, I just wondered how much luck anyone else had with setting up a re-payment plan with them?

My financial situation looks set to change again for the better in the next few months in which case I could increase the payments, but this side of Christmas there is just no way I can afford what they are asking.

I have cancelled all direct debits, and they don't have my card details (I set up my account with them in my maiden name and have got married since then so they don't have any current card details or even my actual name!)

I was tempted to just not pay them and see what happens as I know that the law is more on my side than theirs- however I don't feel like that's the sensible thing to do.

They call and email a lot about the amount I owe and every time I say I've emailed to set up a payment plan they just say I need to pay what I owe.

Can anyone help me or advise? I'd love nothing more than to get rid of them and never have to deal with a payday loan again!

DCFC79

Calling them might get a quicker response.

SeanG79

They have an online live chat facility if you prefer not to call...

[Deleted User]

Thanks for the suggestions- I am reluctant to call as I want to ensure everything is in writing, however when they have called me I have mentioned it as I've said, and have been met with the standard "you owe what you owe" response. Live chat gets the same response.

Lioness_Twinkletoes

Send them a formal repayment offer in writing. Not e-mail but an actual letter. Send it recorded delivery with a copy of your current income and expenditure. Set up a standing order and start making the payments you've offered. If your offer is a sensible one they'll accept.

The law is not more on your side than theirs though- not sure where you got that from. You borrowed the money and you owe it.

[Deleted User]

I meant in regards to a payment plan. 'OFT guidance means that payday lenders must treat borrowers fairly and must work with you to help you come up with a plan to repay your debt.'

I of course intend to pay them back in full.