Ostrich88
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Shall I send the letters via post or email? Also... I'm struggling to find the letter in that thread, can you let me know the page? Thanks
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Also one question to answer... I am possibly coming into a reasonable amount of money (few thousand) Should I pay the outstanding loans off, or is it good to hold off paying as it enables me more negotiation (especially with say, WageDayAdvance)
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To confirm I now have the following: Bank Statements 6 years (excluding a bank I have closed down) PDL Statement of Account From all except WageDayAdvance (I have an outstanding Loan from them still amongst others) Credit Report Received from both Noddle and Clearscore
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Sorry guys that it's taken a while... I got my Bank files however there was an awful lot missing, so I have waited to get information from the companies themselves and I just got the last lot. Please see attached summary. - Items in green are 'estimates' as I still don't have a response - Items in Orange/Red are loans still outstanding Total Loaned: £20,659.23 Total Repaid: £27,326.40 Total Net: £6,667.17 Still Owe: £3,200 + Interest Total Interest Paid/Due/Owe: £9,867.17 + Interest in outstanding loans PDLs.pdf
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2 (Banks) x 12 (Months) x 6 (Years) soooo 120! I have the summary in an excel spreadsheet (just the loans and repayments) and no confidential information
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Update #2 I have just gone through the last 6 years of my Natwest bank statements and have highlighted all payday loans and repayments, what is the best way show them here?
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Update: Earlier today I have contacted the following companies via email requesting a Statement of Account: Sunny (1MonthLoan) 247 Moneybox Cash Lady CFO Lending MiniCredit Mr Lender Payday Express Payday UK QuickQuid Safetynet Credit Swift Sterling MyJar (Txt Loan) Uncle Buck Wayday Advance Wonga
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Thank you everyone for your support so far! - Gambling Involved? Yes, during the whole period and up until very recently when I have sough professional help for both Gambling and Depression - Issues with Other PDL Companies? Spiral Debt with more than one PDL Company? As a minimum I would have 2-3 PDLs at any one time (sometimes up to 6). Could never keep up with payments unless I was 'bailed out' by my family - How much was your income on a monthly basis compared to the loan? (Were you ever unemployed) Never unemployed. I was earning approximately £1,200 after tax and single highest loan at that time was £1,000 - with the fees and multiple loans I sometimes loaned more than my income. - Did you ever give incorrect info to acquire a loan? I often gave correct income and usually expenditure, however recently did give inaccurate expenditure. - Rollovers... How many? Multiple. Wonga was once 7 months in a row, MiniCredit 6 months in a row and WageDayAdvance is right now at approximately 8 months in a row. I am currently investigating this to give more accurate information by a) requesting statements of account from all PDLs, and b) investigating bank statements
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Good point. To be clear I am not asking about any other lines of credit in this thread except the PDLs. They were there just for everyone's reference so they have a full picture.
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Hi I am trying to get my head around my situation so sorry to bombard you with information, however I have done a lot of reading and need your help! Since ~2009 I have been using Pay Day Loans, A LOT OF THEM (full list below). Since 2009 I have always had at least ~3 outstanding loans at any one time. The issue has been made worse by severe depression and severe gambling. I am finally getting help there, and am sorting out my PDLs, however at a guess must have taken out ~£20k in PDLs and paid back ~£30k to date. I believe I have a claim for redress and this is what this thread is about. I will also update this thread for my progress. Key Areas of Claim I had to repeatedly roll-over a loan. This shows that I could not afford to take out the initial loan in the first place as I couldn’t make the payments I had to borrow from another payday lender in order to pay off your initial loan The loan was a large portion of my income meaning I couldn’t pay it in time as I would not have been able to buy food, pay your mortgage or bills etc (up to 5/6th my income in a single PDL, with multiple at any one time) Failing repayments, paying lots of late charges, then being accepted when applying immediately after again Pay Day Loan Companies & Contact Details Below is a list of PDL companies I have used and their contact details. These were mutliple loans, multiple roll-overs (some as recently as 3 months ago) and all across the six year period. I have the following questions: Should I even both searching for information on loans for companies gone bust Should I be contacting companies whereby I still have a loan outstanding (Companies in bold I still have outstanding PDL) (1MonthLoan) Sunny 247 Moneybox Cash Genie Cash Lady CashChoice CFO Lending Early Pay Day Loans MiniCredit MrLender Payday Express Payday UK QuickQuid Safetynet Credit Speed-E Loans Swift Sterling Toothfairy MyJar (Txt Loan) Uncle Buck Wayday Advance Wonga Other Credit Lines I also have had a lot of credit cards and bank overdrafts. These are now all "up-to-date" and a plan has been put in place to repay them. Company / Total Owed / Now Owe / Type of Credit Line / Comment (CCJ) Luma £ 250.00 £ 250.00 Credit Card Aqua £ 300.00 £ 300.00 Credit Card Lloyds £ 2,700.00 £ 1,890.00 Overdraft CCJ Capital One £ 950.00 £ - Credit Card CCJ Egg (Barclaycard) £ 742.00 Credit Card Nationwide £ 710.00 £ 710.00 Overdraft Natwest £ 1,060.00 £ 1,060.00 Overdraft Next Steps I will now complete the following next steps 1. Obtain bank statements (I can already get 3 years Nationwide and 5 years Natwest but will request SAR from all 3 bank accounts I have held) 2. Contact all companies requesting full detail of my account (all previous loans/repayments and anything still outstanding) 3. Contact Credit Reference Agency Experian to get last 6 years so I can review loans and check whether the proper checks were made. So... with all that information, does anyone have any further advice, next steps, or things I am doing wrong?
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