little update received a reply from safety net and have accepted there offer as feel it was fair? and the removal of negative factors from credit file is more important to me than actual cash refund. 24/7 moneybox still being obstructive with actualy issuing a statement payday express are hiding behind complaint not being within timescale

Have just received this interesting email from money box 24/7 maybe I'm reading it wrong but almost feels like it has a threatening tone to it. How would people advise I proceed with this one ideally I'd be happy Right off but would also like the loan and default with them removed from my file, they have the balance marked on credit file as over at over £430 and have still not given me statement I asked for and I still haven't made a actual complaint yet just request for statement Or should I just escalate to ombudsman and let them decide [qoute] Dear Hope that you are well. Please find below a copy of our complaints procedure. If you remain dissatisfied, you may refer your complaint to the Financial Ombudsman Service (FOS). Separately, you may also refer the complaint to our trade association (BCCA), this does not stop you taking your complaint to FOS. Happy to provide information requested (though do be aware that all of this information was provided upon the advance of any loan as the loan agreement was sent to you via email - do check your junk or spam for this and also check any other email address' you may have provided us with.) You have borrowed a total of £230.00 from us. You have repaid a total of £130.27. This means that you have not even repaid the principal amount lent to you (ie minus any charges). If you ask a third party mediator to look into this, they are likely to ask you to repay what you have borrowed (the principal amount). In this case that would mean they would tell you to repay £99.73to us. Where you hear comments about refunds, this often relates to payments of interest and charges over and above the principal amount we have advanced to your account. As you have not paid any, there is nothing to refund. We are happy as a gesture of goodwill to resolve by accepting £99.73 as final settlement of your balance. We are aware that there are many forums and templated letters available on the internet to exploit any previous credit commitments under the wholly subjective banner of affordability. To compare our actions with the reported behaviour of other lenders is inappropriate. We are confident that the required assessments were carried out prior to the advance of all loans. We are able to substantiate fully the information on which lending decisions were based. Our relationship was based on responsible lending in addition to responsible borrowing. We provided you with all the facts about our product and the charges and costs involved. We treated you as a rational individual able to make a credible decision as to whether to borrow or not. For our part of the relationship we acted on the information available to us at the time and the prevailing regulations and guidance at the time. I am your personal account manager and would be happy to discuss any of the above with you via email. Kind regards Fiona [\qoute]

checked on both noodle and clearscore but not sure how far back their search history goes just checked search history only goes back 24months

sorry been on holiday will group together all loans in morning and post, have escalated my complaint wit pixie to the FOS as decided there was nothing to loose. right then loans as follows. safety net 9 loans in total £1193.00 borrowed £230.96 interest paid quid market 6 loans £1675 borrowed £2260 repaid nova loans 2 loans £425 borrowed £593 repaid payday express (wont give me a statement without paying) quick quid 5 loans £1550 borrowed £2850 paid loan rolled over a number of times. wonga not yet replied sunny not yet replied moneybox not yet replied lending stream not yet replied wageday advance not yet replied credit report shows issues I had in that period but doesnt show searches from theses companies so is that proof they havent taken correct steps also some of these loans are not registered on my file all above loans taken during the same period

received this back from pixie loans a less than 2 days from making complaint. should a take this further or am I wasting my time? they say the took out relevant checks which if they did would have clearly shown my other loans and defaults on file even though it was a small loan with the file I had I feel it was unafordable especially seeing as its taken me nearly 2 years to pay it back.

thanks for the reply. I have sent a further 4 complaints today. have received this reply from saftey net Im a little annoyed with myself as after some digging it appears that the uncle buck loan I have a ccj regarding has never had a default showing on my credit file and also shows all loans as satified on report it appears that during the period of burying my head in the sand I may well have accepted responsibility for a debt that wasn't even mine im awaiting a statement from uncle buck atm, if this is the case can i challenge it even after court ruling? also once I get the initial offers or rejections is it worth adding the stress and issues with mental health and how it has changed my personality and caused anxiety ect in other replies ?

Well a little bit of background Info in a period from 2010-2014 I got caught In the payday debt spiral like many others did I would often move from one lender to next In a desperate attempt to try and make my month salary meet my everyday commitments, I eventually got out of the trap but not without a big impact to my credit score and mental health (I found myself to scared to open letters and ans phone calls I even changed email address to avoid dealing with the problem) I realise this was a stupid thing to do but believe this may have been caused by a mild form of depression caused by the stress of the situation. I would often feel intimidated by these companies and would agree to repay amounts I couldn't afford when trying to get then to agree to repayment plans, I even had a period when I went on holiday with my partner where I would have mild panic attacks when my phone would ring as I knew my mum was staying at our house looking after my young son and was worried one of these lenders had rang her or had sent a collection agency around. I have since started on a DMP with step change and started to get back on my feet, I am annoyed with myself for not acting sooner but honestly didnt have the confidence to deal with the issue and at the time I was mentally a mess unfortunately this resulted in me getting 2 ccjs one that should have been statue barred and one (uncle buck) where a defualt hadn't even been issued but because of my mental state I just wasn't in a position to fight these, I have however kept up with the repayments and both will be satisfied in next few months. I have recently learnt that a number of these loans will have been classed as irresponsible lending and to begin with I just passed it off as not worth the fight (again scared of potential outcome and maybe being forced to repay more effect my dmp ect) but on Sunday decided I was going to fight them due to the effects these loans have had on me as a person. I originally sent this email on Sunday night to all the lenders I have since received rather speedy replies from a number of lenders and have just sent my first ever complaint and feel quite liberated in doing so. any further advice would be greatly appreciated, I know this wont be a short process and I am hoping that I can continue with the positive mental state and not sink back into the shell im gradually crawling out of.