Hi everyone

I am in the process of complaining to payday loans for a bit of a reclaim on extortionate interest/ charges and fees by payday loan companies

i started using these companies back in 2011

the problem is that i have limited knowledge of loans i took out-

i know the companies- but was crazy back then and just borrowed all the time and have no real records of what i had from where

Can i just ask the PDL companies for a breakdown?

Do they have to give it to me

Thanks for the help

Depends who, most companies responded to a simple email asking for details of all loans including rollovers, interest, charges, the dates they were taken out etc. They can ask you to pay £10 for an SAR request and they have 40 days to respond to that which will give you all the info but the only company that did that to me were WDA.

Hi Piratesteve.

Follow the info on this thread very carefully.

If you find after following it you do not find or get the information you require come back and tell us.

And if you do get any joy let us know.

Keep us updated.Thanks.

The link for you to read.

Were you caught in a Pay Day Loan Trap ? - You may be able to make a claim

http://www.consumeractiongroup.co.uk/forum/showthread.php?455382-Were-you-caught-in-a-Pay-Day-Loan-Trap-You-may-be-able-to-make-a-claim

Thanks guys

Here is quick run through of where i am at-

Myjar- Agreed to write of £200 debt

Lending Stream/ Zebit- Claimed no wrong doing- although they would write off £240 off around £600 outstanding - will forward to FOS

Peachy- claim no wrong doing- will forward to FOS

Wonga- Already write off £400 previously- awaiting account history info to file complaint

247 moneybox- awaiting response

Payday express/paydayuk/ Wageday advance- awaiting response

Safety Net- awaiting response

Quidmarket awaiting response

Quid- awaiting response

Minicredit- awaiting response- spent months arguing already with them- they want £3k+ for a £500 loan- will send to FOS - Have sooo many stories about these clowns

my claim is based on

No credit check done- would have clearly shown the amount of payday loans i had was ridiculous

misuse of the loans- loans were being taking out the same day as repayment

poor information given- eg being told to roll over loans when i told them i cannot afford, not being able to set up payment plans as i did not meet "criteria"

I should have complained about debt collection companies used- some of these have been real bad (MMF, CRS etc)

calling me all the time, calling my house and work phones after being told not to

are they responsible for the practises of another debt collection company acting on their behalf?

Update for anyone who is interested-

Just got my response from Quidmarket

They say they have done nothing wrong

however- they have written off £200 outstanding debt and £25 refund