1- 24/7 Moneybox original loan was £ 180, outstanding balance £212 according to PP I sent them email requesting breakdown of debt still waiting for a reply. Nothing about this debt in my credit file. (Payment up to date £79) While i owe them they lent me 2 times money i know it was my fault but I followed their complaint procedure they did not uphold my complaint so I went to FOS and they upheld my complaint and the Ombudsman decision was refund after third loan. As well as removing the credit file entry 2-Cabot Financial(was Provident) original loan 3 different aggrement total £4000, outstanding balance £3560 i belive there is no unlawful charges added as they sent to me statement. (Payment up to date £402). I followed their complaint procedure (Provident) they didnt reply even so went to FOS and they upheld my complaint and and the Ombudsman decision was purchase back third loan make reasonable arrangement to repay and remove charge and remove the entry on my credit file. 3-Peachy original loan was £ 100 outstanding balance according to them £ 355 but the thing is tho my credit file shows default £115 pound but its not showing monthly payments made like Quid24 or others. (Payment up to date £41) Same is above number 1. 4-Textloan now with (Fredrickson International Ltd) original loan was £200, outstanding balance according to PP £385 nothing about this debt in my credit file. (Payment up to date £46) I followed their complaint procedure(My Jar) and they upheld my complaint almost refunded all charges (nearly 20 seperate loan) and removed the entry from my credit file. 5-Balanceloan,Helploan now with (Intrum Justitia Ltd.) original loan was £100, outstanding balance according to PP £316 nothing about this debt in my credit file. (Payment up to date £112) I sent them email about statement since January 2015 no reply. Idont think they around any more. 6-Quickquid now with (MMF Finance limited) original loan was £500, outstanding balance according to PP £460 default on my credit file. (Payment up to date £188) Same is above number 1. 7-PaydayUK original loan was £270, outstanding balance according to PP £360 on my credit file £339. (Payment up to date £127) I followed their complaint procedure they offered to write off the balance then I stupidly accept it. Because I could have refund from third loan as well as remove the entry from my credit file. So if anyone complaint about Payday UK do not accept their offer as you can take it to the FOS. 8-Lloyds overdraft now with (Moorcroft Group Plc) original overdraft was £400, outstanding balance according to PP £900 on credit file £905. (Payment up to date £100) I followed their complaint procedure and i sent them a letter asking them to remove the unautorized overdraft charges etc. They upheld my complain and remove that amount from my outstanding balance. 9-Halifax overdraft now with (Aktiv Capital) original overdraft cant remember, outstanding balance according to PP £550 on creit file £550. (Payment up to date £120) Same is above number 8. 10-Pounds Till Payday original loan was £240 i received statement of account from them Loan Amount £240.00,Broker Fee £66.43,Interest Fee £ 5.52,Late Payment Fee £ 59.00 and Payment amount to date: £109.28 nothing in credit file. I sent them a email about my statement in January 2015 still no reply and no contact with myself. 11-321cash.co.uk now with (SLL Capital) original loan was £200, debt sold months ago so they claim £880 and my credit file shows £1300. (Payment up to date £96) I wrote a letter Sll capital they removed the charges and I am paying only the capital sum. 12-Santander overdraft now with (Wescot Credit Services) original overdraft i cant remember, outstanding balance according to PP £610. (Payment up to date £65) Same is above number 8. 13-primepayday.co.uk now with Tower Credit original loan was £150, outstanding balance according to PP £270 nothing on my creit file. (Payment up to date £34) Same is above number 10. 14-quid24.com original loan was £100 pound, outstanding balance according to PP £335. (Payment up to date £40) I paid them only capital sum they dont trade anymore and no info on my credit file. And lastly Paydayexpress I used 2010 and 2013 paid in full. I followed their complaint procedure they didnt upheld my complaint but offered only last loan interest obviously I refused so went to FOS. They did uphold my complaint in final decision they have to refund all charges all loans plus 8% interest as well as removing all data from my credit file. Thanks again CAG.

Hi Firstly I would like to say special thanks to this forum and the users. Finally I have finished my reclaim from 14 debtor mostly PDL. Please if anyone find themselves in the past payday loans debt circle read this forum and claim it back. Its maybe taking a long time but its really worth in the end.Below is my story.

Thank you for your reply DX. Yes both are the same date.

Hi Again I ve naticed my halifax bank account defaulted in 2012 and debt was sold to a DCA and now another default from the DCA so basically 1 debt 2 default is this normal? Thanks in advance.

Thanks renegadeimp.

Thank you Renegadeimp i will send them SAR.

Hi Again I woud like complaint about aka textloan now is myjar.The problem is nearly 14 months i got them loan rolledd over and paid it last one is outstanding. My question is how can get the information of the total number of loans during the 14 months period? (I contacted with myjar they only sent to me my last outstanding CCA) Thanks in advance.

Here is the email conversation between me and Peachy. Your outstanding balance as of today, 21.11.2014, is £353.85. No charges have been applied to the account since 11/01/2012 when we have accepted payments from your Debt Management Agency. Towards the loan we have received payments in the amount £39.99. my reply Hi there thank you for your reply. My current circumstances are that i am receiving £61.50 pw Carer Allowance as my husband has Multiple Sclerosis and i am her carer and she is unwilling to pay my debts for me which has put our marriage under tremendous stress and having MS this is not asllowed for her health. My marriage is really on the rocks at the moment also my wifes health is suffering because of this so i want to get this finalised one way or the other. I can see below your email for 1st 2nd 3rd 4th 5th 6th.. letter charges i have checked my records and i cannot see anything regarding these letters, I would like to come to an amicable arrangement directly with yourselves and again due to my financial hardship my latest offer is £150 payable on a monthly basis £10. Can you please review and get back to me. Their reply Thank you for the e-mail. Our Credit Committee has reviewed your case and unfortunately we are not able to accept your offer. Please be advised that you took out the loan in 2011 and so far have paid a total of £39.99. However our Credit Committee is willing to reduce the balance to £200 in case you wish to make payments directly to us and arrange a repayment plan for 12 months. That would mean that the payments must be at least £17.00 every month. My reply As i said previosly my only income is £61.50 per week. I am not goin that far but first in the point you should not let me taken that loan, i really dont know did you done to proper affordibility check as well. My latest offer is the same £10 pound a monthly basis total £150 pound plus you already got via payplan £39.99 so total for £189.99 for £100 poun loan that is the my final offer. If you agree can you please get back to me and i can setup standing order. and #22 their final response.

It was about the Peachy. I took out loan from them back in the 2011 £100 pound they added charges £250 for reminder 1.2.3.4.5.6.7.... letters which i dont received.I am trying to them remove these charges and would like to come to an amicable arrangement directly with them. I offered them £10 a month tatal £150 plus they already got from my dmp £40 and now am currently paying atm £2 pound via Payplan.

I ve received their final email What should i do know? Any advice would be grateful.. We can assure you that as creditors, we abide by our statutory obligation under the Consumer Credit Act 1974 to undertake a sound, proper and appropriate assessment of creditworthiness to assess the borrower's ability to afford the proposed credit commitment. In addition to assessing creditworthiness, we always undertake an adequate assessment of affordability. The affordability check is based on information, obtained from the borrower and from a Credit Reference Agency. The process of assessing affordability is assisted by all of your creditors registering accurate data with Credit Reference Agencies, in a timely manner, about the performance of an account and/or settlement of outstanding debts/arrears. We would advise you to contact Call Credit UK to check if all of your creditors have reported accurate information on your Credit File to make sure that when you make a loan application, the information received from the Credit Reference Agencies is correct. The affordability assessment is also based on the borrower's financial position as a whole and takes account of information that we are aware of at the time the credit is granted. Creditors may employ the use of a variety of types and sources of information to assess affordability which might, depending on the circumstances, include some or all of the following examples: · record of previous dealings with the borrower · information about income · information about expenditure · a credit score · a credit report from a credit reference agency · information obtained from the borrower, whether on an application form or separately. We would like to point out that the OFT (whose rules and guidances are now under the FCA) does not consider that the creditor could be held culpable under circumstances in which it made a reasonable request for information from the borrower, in order to inform its assessment of affordability, and the information provided by the borrower was substantively incorrect/untrue and the creditor was not aware of this. We would like to remind you that by signing the Credit Agreement, you confirmed that you are not: "a) in a Debt Management Plan (or similar scheme) or considering entering a Debt Management Plan (or similar scheme); b) in an I.V.A or are considering entering into an I.V.A.; c) bankrupt or considering filing for bankruptcy; d) under notice of termination of employment, redundancy or any other notice which could affect my employment status; e) in receipt of Statutory Sick Pay or suffering from any medical condition which would cause me to apply for Statutory Sick Pay during the period of the loan;f) in receipt of any benefits instead of my usual wages, salary or other income declared in my application." When you took out the loan on 26/02/2014, the credit information received about your account, did not suggest that you are experiencing financial difficulties or might not be able to afford the loan repayment. If the information you provided was incorrect or the information your other creditors reported on your Credit File was incorrect or insufficient or if you have any questions as to how the credit score is made up, please contact Call Credit UK. The FCA has also encouraged borrowers to always undertake their own assessment of affordability concurrent with that undertaken by the creditor. We can assure you that we conduct our business in compliance with all relevant legislation, regulations, regulatory guidance and requirements and we can justify our practices and procedures used in assessing affordability in the event of a regulatory challenge. Unfortunately, based on the above, we are not able to accept your offer.

Hi I would like to complaint about several payday loan companies as they not removing or bringin down ridiculous charges. Where shall i start firstly companies or FOS ? I am refused already from peachy. Thanks in advance.

Hi Again I requested a statement of account from MMF relating to QQ debt Loan Date: 14/06/2010 Original Due Date: 13/08/2010 Orig loan value: 1000 Loan interest: 500 Refinance Fee: 78.64 Late Direct Debit fees: 48 Amount Paid: 224.81 This is what they sent to me i was in default of £500 I checked my QQ account and they gave me 13 different loans (totalling 1012.50 in interest already paid) and the last one of £500 was when i was already in default of £500. Who should i complain about this too? firstly QQ or the financial ombudsman? as i dont think they done proper affordability checks and i know firstly it is my fault for this but where is it best to proceed now. Thanks for any help

Thank you very very much dx100uk ..

I hope you are not talking to these fleecing DCA's on the phone how old are they too. dx Much appreciated the advice. I can see starting point now. Debt are around 3-4 years old. The three overdrafts according to my credit file i presume only halifax been sold because Aktiv capital updating montlhy repayments. Santander and Llyods showing they are updating monthly repayments. Currently i am paying PP monthly £55 and they spilt this between the creditors so now i am canceling the DD to PP and waiting for the creditors to contact me? Am i right on this way. I am really sorry i have not dealt my creditors before. Thanks.

1- 24/7 Moneybox original loan was £ 180, outstanding balance £212 according to PP I sent them email requesting breakdown of debt still waiting for a reply. Nothing about this debt in my credit file. (Payment up to date £79) While i owe them they lent me 2 times money i know it was my fault but ..... 2-Cabot Financial(was Provident) original loan 3 different aggrement total £4000, outstanding balance £3560 i belive there is no unlawful charges added as they sent to me statement. (Payment up to date £402) 3-Peachy original loan was £ 100 outstanding balance according to them £ 355 but the thing is tho my credit file shows default £115 pound but its not showing monthly payments made like Quid24 or others. (Payment up to date £41) 4-Textloan now with (Fredrickson International Ltd) original loan was £200, outstanding balance according to PP £385 nothing about this debt in my credit file. (Payment up to date £46) 5-Balanceloan,Helploan now with (Intrum Justitia Ltd.) original loan was £100, outstanding balance according to PP £316 nothing about this debt in my credit file. (Payment up to date £112) 6-Quickquid now with (MMF Finance limited) original loan was £500, outstanding balance according to PP £460 default on my credit file. (Payment up to date £188) 7-PaydayUK original loan was £270, outstanding balance according to PP £360 on my credit file £339. (Payment up to date £127) 8-Lloyds overdraft now with (Moorcroft Group Plc) original overdraft was £400, outstanding balance according to PP £900 on credit file £905. (Payment up to date £100) 9-Halifax overdraft now with (Aktiv Capital) original overdraft cant remember, outstanding balance according to PP £550 on creit file £550. (Payment up to date £120) 10-Pounds Till Payday original loan was £240 i received statement of account from them Loan Amount £240.00,Broker Fee £66.43,Interest Fee £ 5.52,Late Payment Fee £ 59.00 and Payment amount to date: £109.28 nothing in credit file. 11-321cash.co.uk now with (SLL Capital) original loan was £200, debt sold months ago so they claim £880 and my credit file shows £1300. (Payment up to date £96) 12-Santander overdraft now with (Wescot Credit Services) original overdraft i cant remember, outstanding balance according to PP £610. (Payment up to date £65) 13-primepayday.co.uk now with Tower Credit original loan was £150, outstanding balance according to PP £270 nothing on my creit file. (Payment up to date £34) 14-quid24.com original loan was £100 pound, outstanding balance according to PP £335. (Payment up to date £40)