Urgent Help needed 3 payday loans

[baileysmammy]

Hi There

 

I have posted some previous posts about my individual PD loans but not had much of a response. so to cut a long story short i have 3 loans due to come out on 28th Feb

 

WDA- 225- Paid in full then reloaned

CFO- 119 - rolled over twice to the tune of £66

Tower capital - 99- rolled over once for £19

 

I have a basic acc with co-op, reported my card stolen last week and cancelled WDA direct debit.

 

I emailed all 3 companies on sunday evening, for CFO i emailed barry silver direct as per info on the forums, however he aint bothered to reply and today i got an email from a Daniel Bishop the office manager basically saying if i dont pay up or defer that on monday they will ring my employer and charge me £75 fine. My Loan was only for £80. I emailed Mr silver back again, advising im already on a final written warning at work for other matters and that if they ring the likelhood is it will loose me my job. still no reply.

 

WDA just emailed back saying they cant give me a payment plan and that if i want to defer the loan they wil just do that for £45, however i cant afford £45, i have £40 spare to split between these 3 creditors.

 

Tower capital just havent responded but caggers on my previous post said they will take me to court and get a ccj etc

 

I just dont know what to do, obviously for personal matters i can no longer pay back these loans my circumstances were very different at the time of taking them out.

 

Im ill with worry at the thought my employer is going to find out, and i just dont know why n one seems to want to offer a repayment plan.

 

Can anyone help me?

[Kitten1]

Firstly, they don't have any right to discuss personal matters such as this with anyone but you. If they do, they are in breach of the data protection act.

 

Secondly, keep emailing the companies concerned. Don't discuss with them on the phone and keep all emails as evidence you have been trying to sort this out.

 

Better go, poorly baby!!

[ihateyes]

i would call as well, but be assertive. Wda were very helpful with me, yes they did charge £36 for a repayment plan, but it was still set up easily enough. the repayment was set up by ddeb, as i can use dd indemnity if they try to swindle me..

 

As kitten says CFO cant call your emloyeer... naughty naughty, id report them to oft for that.

[CurlyOscar]

Hi There

 

I have posted some previous posts about my individual PD loans but not had much of a response. so to cut a long story short i have 3 loans due to come out on 28th Feb

 

WDA- 225- Paid in full then reloaned

CFO- 119 - rolled over twice to the tune of £66

Tower capital - 99- rolled over once for £19

 

I have a basic acc with co-op, reported my card stolen last week and cancelled WDA direct debit.

 

I emailed all 3 companies on sunday evening, for CFO i emailed barry silver direct as per info on the forums, however he aint bothered to reply and today i got an email from a Daniel Bishop the office manager basically saying if i dont pay up or defer that on monday they will ring my employer and charge me £75 fine. My Loan was only for £80. I emailed Mr silver back again, advising im already on a final written warning at work for other matters and that if they ring the likelhood is it will loose me my job. still no reply.

 

WDA just emailed back saying they cant give me a payment plan and that if i want to defer the loan they wil just do that for £45, however i cant afford £45, i have £40 spare to split between these 3 creditors.

 

Tower capital just havent responded but caggers on my previous post said they will take me to court and get a ccj etc

 

I just dont know what to do, obviously for personal matters i can no longer pay back these loans my circumstances were very different at the time of taking them out.

 

Im ill with worry at the thought my employer is going to find out, and i just dont know why n one seems to want to offer a repayment plan.

 

Can anyone help me?

 

I sent an email to Barry Silver as well. Finally spoke to someone at CFO and they told me he no longer works there nor does John Demetriou who I have also seen mentioned as a contact

[baileysmammy]

I sent an email to Barry Silver as well. Finally spoke to someone at CFO and they told me he no longer works there nor does John Demetriou who I have also seen mentioned as a contact

 

Thanks curly I had a feeling the adresses may of been no good when I've had no reply. I've emailed someone else who states they are office manager I'm hoping I can get this sorted. If you don't mind me asking what was your experience of dealing with them? And did you get a payment plan?

 

Thanks

[CurlyOscar]

The people were OK but they just keep repeating that they don't do payment plans. I sort of get the feeling from the conversations I've had with them that if I pay the monthly amount I've offered they won't pass to a DCA but that could just be me putting 2+2 together and getting 5.

 

I've told them that I will continue to email them a couple of times a week restating my offer as this will show they were being unreasonable if it ever get's to court.

[robjam1969]

Thats the way Curly. If they want paying they will have to negotiate.

 

CFO & WDA are very good for arranging plans when they can't access your funds. You have to be patient and accept they will get round at an agreement in their time. Not to say you have to agree any outlandish charges interest etc.