I am also using experian credit expert which seems to update each time I log in, I'm more concerned about that as I'm hoping to apply for a mortgage.

I have had a final response from Wonga, after one or two emails and a little persistence they have said they have contacted experian and callcredit to remove the default. The said to allow ten days for this to take affect but is there anyway to speed this up or is it likely to happen before?

Can i just ask what is an iba?

"In your complaint, you have also requested some information regarding your loans with Wonga. You request has been sent to the relevant team and you will receive these shortly. If you choose to accept this offer it will be in full and final settlement of your complaint." In this section, they seem to acknowledge my request of default? They also state my original letter dated "Thank you for your letter dated 23/01/2015." I accept that I perhaps should have chased this up earlier but at the time, I was quite happy with the money and had forgotten about the default. :-S

In my original letter i did say that i wanted removal of the default but they never acknowledged later.

Hello, I successfully complained to both Wonga and Payday Uk about unfair lending practises and stated that they allowed me to get in a position of continuous borrowing and roll over without them doing the adequate checks. My wonga loan I had emailed at the time and stated I couldn't afford the repayment and wanted a payment plan organised. After a lot of back and forth they agreed. They did register a default and I am now wondering if there is anyway I can get them to remove this as they technically admitted that they were in the wrong and offered me a substantial refund. So surely I could argue that they put me in a position to get the default?

I thought I should update my progress. After accepting from payday UK and then pushing forward with a complaint from Wonga, I am pleased to say I have been offered an apology and £1344 refund from Wonga. Patience has definitely paid off.

Hello, I have just logged into by online account with bank of Ireland and found I have been given a £225 refund of charges on what it says are O/D charges, I have no letter or any contact from the bank about it. Has anything been published publicly?

I see what you mean. I think I will just accept the offer, because I wasn't expecting it anyway! And then I still have to contact Wonga about their lending practices

Well it will be significantly more to them but for me I think 2 deferals I can in a sense understand, the reason I defered so many times was because I was allowed to and buried my head. I feel the original loan balance and possibly 2 months worth of interest is more than generous to them because I didn't have a financial benefit to the original loan but the multiple deferals un did that significantly so as an example, the loan that was defered 11 times was I think the 4th loan I had with them, it was for £320 plus £80 interest, so instead of saying I want £880 interest which is the full amount i would say £720 they get to keep their two months, so it will be close to £800-900 I think? Also here is the Fos link... http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=20264

There is no CCJ, the loan was always paid back in full, I'm complaining about irresponsible lending on their part, they have offered me £600

Hi do you think i should write back with a counter offer, I know they said their offer is a decision in final but the ombudson website suggest trying to resolve it with the company. My thought is that given they were very negligent I was going to suggest with the exception of the first amount of interest on each loan I would like the rest repaid?

I will, I have just read a case study from the financial ombudsmen where a woman recieved all interest plus an additional 8% compound interest on the grounds that her loans were loaned irresponsibly, this however was wonga.

Sorry my browser was faulty and lumped that together, the debt is paid off, I had complained about irresponsible lending with the loans I previously had taken out, they have offered me £600 pounds as a gesture of goodwill to settle my complaint of poor customer service and irresponsible lending on their part, which is 50% of the interest I was charged on all the loans and deferals etc. Their response and settlement over is a 'final decision response' it states on their letter. And as regards to the default, that was with wonga, pay day UK issued an up to one month late notice on my file because it was paid late because the money wasn't in the account at that particular time. They did say they cannot remove anything that is a true and accurate account of my borrowing habits with them.

Hello all, i have had a reply to an email i sent Pay Day UK (MEM consumer finance) I had complained about there proceedures and felt that they were guilty of lending irresponsibly. In the letter which is quite long MEM have outlined in detail my lending activity and history with them in the time we had a relationship. they acknowledge all loans and the number of times they were deferred (ihave removed specific dates just in case)..."between december and july you applied on two more occassions (no amount was given) and you opted to defer the first of these loans on 5 occasions""it should be noted that you opted to defer your loan at your own discretion the option to pay was always available to you. This was always donr via your on line account and at no point did you speak to an advisor prior to requesting these deferrals.""A loan of £320 with £80 interest totalling £400 was taking out in august 2011 and was due for repayment in september, our records confirm you opted to defer your loan 11 timeswith the last occasion being follwed by a payment of £80.53 being recieved in july 2012, this left a sum of £281.32 which was £225.06 pricipal sum and £56.26 interest" It goes on to mention the email i sent to ask for a payment plan, they acknowledge they asked for income and ex and then acknowledge that they offered me a deferal in this instance too, they also acknowledge that they shouldnt have done that and dont know why that happing (clerical error they guess.) They then go on to say that they had to try for payment even though i expressed that i couldnt pay, this was apparently due to there processes. Then once the loan failed i had to send another income and ex and that the payment plan was agreed after i told them what i couldn't afford. The interesting part is they have offered me a financial settlement of 50% of the interest i have paid as i have had a financial benefit in part to these loans. I am just seeking some advice on what to do next, is this common should i send it to the ombudsmen?