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Payday Loan Complaints Help


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Hi,

 

I was just wondering if anyone can offer any advice on some complaints that I have raised but have had either no response or have been told I am speaking to the worng people. It all feels like a painful process but I am trying to stick to my guns.

 

Swift Stirling

 

I got told that I needed to contact northway financial. Since emailing them I have had no response, is this correct and does anyone have any experience of dealing with them, I contacted them on 11th January. Is there anything I can do?

 

Speedy Dosh

 

I have complained to a customer care email address for them on 20th Feb but have not heard anything back. Is this the correct contact details for them and should I expect to hear anything back, if not then is there anything I can do?

 

Early Pay Day Loans

 

I have complained to the email address for ecashwindow on 20th Feb but have not heard anything back. Is this the correct contact details for them and should I expect to hear anything back, if not then is there anything I can do?

 

MiniCredit

 

I have complianed to the email address for opos limited. They have said they have no details of my loans and I need to contact the original lender and suggested a google search. I cannot see anything other than Opos on google, the loans were from 2011 to 2013

 

Toothfairy

 

I have no idea if there is anything that I can do to complain against them as all I can see is that they have gone out of business. Is this just a dead end and I should stop wasting my time.

 

Any help that anyone can offer would be much appreciated

 

Thanks

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Toothfairy have been dissolved...

Minicredit have been dissolved.

 

Swift Sterling are base din Malta so i doubt youll beable to get anything from them especially with the FOS. They arent regulated by them.

 

EPDL and Speedy Dosh have up to 8 weeks to respond and resolve a complaint as per the FCA Complaint handling guidelines

Please do tell us more about this.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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hi,

 

thanks for the information on the first two I thought that was the case but just needed clarification.

 

I will see where I get with swift Stirling possibly trying the Maltese regulators to see if I get anywhere.

 

for speedy dosh and epdl I was under the impression that they needed to respond within 5 days but have up to 8 weeks for a final response but I may have this wrong.

 

I have had resolved successfully with Mr lender and fortress both with acceptable gogw compensation at the same time as them saying they have done nothing wrong.

 

with quick quid, pound to pocket, payday express and payday uk they are with the financial ombudsman

 

qq offered £200 but I repayed over £4000 in interest

they continually let me rollover the max loan amount over a 4 year period

 

saying there was no evidence of dependency as I was not taking out new loans within 15 days of settling the previous one.

 

in 2010 they lent me 650

I rolled over the max amount of times and took out a new loan the same day it was settled and did the same again and the next time they offered to lend me even more.

 

they pointed me in the direction of rolling over the loan when I first contacted them to say I couldn't afford the full repayment.

 

wonga have asked for a further 8 weeks after the initial 8 of which 5 have passed so I'm just waiting at the min,

 

the complaint is similar to qq with me paying around £3500 in interest over 3 years.

 

my complaints with speedy and epdl are similar but for much smaller amounts as they limited Me to less

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  • 1 month later...

Hi,

 

I could do with some advice on the latest situation of my complaints.

 

Wonga came back to me and said they admitted they could have done more to help me,

 

as a result they offered me a full refund of interest paid with 8% added which totalled over £6K.

 

I was shocked at this response but very happy to see such a positive outcome.

 

My complaint with Quick Quid resulted with them offering me £200 which I rejected (total interest paid to them over 4 years was more than I did to Wonga).

 

I took the complaint to the ombudsman and they have come back with a counter offer of £767 as refund for some of the loans where they said they could have done more to help.

 

My background is that I was living at home and didnt have a lot of outgoings but had a gambling problem which spiralled out of control and result in a mess with payday loans.

 

The ombudsman is asking for bank statements which dont look pretty with lots of gambling transactions and my expenses, which would be about £300 - £400 of a £1200 income.

 

Should I accept the offer they have made given the situation or given the fact that the interest I paid to them was more than Wonga should I proceed to provide this information to the ombudsman, I dont know how they will consider my situation.

 

Thanks in advance.

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Hi AJ - Simply put £6k is a hell of a lot... Take it :)

Then its your choice on QQ but £6k doesnt come to your doorstep everyday...

If its with the Ombudsman then you have nothing to lose at this point. :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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hi,

 

sorry I might not have been clear with my question. I did take the 6k from wonga and that has landed swiftly in my bank account. my question was more around how are the ombudsman likely to judge my case. qq have offered 767 to me when I paid 5k in interest but given that my loans effectively funded a gambling problem will they judge against me. they have asked for expenses and bank statements wondered if I should take what they offered or give them what they are asking for and let them fully investigate

 

thanks in advance

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Did you read my guide in my signature by any chance?

I would :)

 

In it i make a mention about actually giving them this info as it would heavily show in your favour.

The onus is on the firm to make sure they did stringent affordability checks and that it wasnt unding gambling etc or putting you under a lot of strain,

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Declined the offer and information provided to the ombudsman so we will just have to see how this goes. Hopefully I will get a positive outcome when they see my case I'm hoping that if wonga who didn't challenge my complaint gave me a full refund of everything that I might have a strong case

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Possibly :) But each firm as you know judges things differently.

However keep the info and how the case with Wonga went. Use it as a benchmark for this one and refer it to the ombudsman if the offer doesn't quite hit what you want.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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  • 1 month later...
is it still with an adjudicator, or has it gone to an ombudsman.

nice one re the 6k though.

 

Hi, apologies ive only just revisited this thread following contact from the ombudsman. It is with an adjudicator at the moment.

 

I could only provide statements back to April 11 my situation started about 6 months before that.

 

They have said that they noticed a lot of online betting transactions and wanted to know if my situation was the same in November 10 which it was.

 

Not sure how this will go I'm glad wonga realised they had acted irresponsibly I'm hopeful that the adjudicator will see in my favour as well for these.

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  • 4 weeks later...

Update on this

 

When raised through the adjudicator quick quid offered refund of two loans which I rejected.

 

The adjudicator reviewed the case and advised all loans should be refunded which they have rejected and offered refund of three loans which I have turned down so it goes on

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  • 2 weeks later...

What would you advise with this one

 

One that u raised to the ombudsman was against payday express.

 

I took out one loan in april 2011 for £400.

At that time I had three other payday loans for £650 £400 and £200 with a monthly income of £1275.

It was rolled over 8 times including a top up of £80 in September.

 

The adjudicator ruled in my favour and advised a refund of all interest they disagreed with a counter offer of just under £500 for all interest post the top up.

 

The total interest would be £1000 plus the 8%.

 

Is the ombudsman likely to agree with the adjudicator?

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Yes always

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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In short - Not always.

They may agree but suggest a lower compo amount or may take the stance and agree with the company..... But....

 

They quite often do agree with the adjudicator and also give more compo :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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