Hi Multay, I tried to PM but I'm not allowed, I was going to send this- Hi, I have only just seen your message. I hope you have got on ok. Basically I complained directly to QQ and got what appeared to be a stock answer denying irresponsible lending. I was not happy with this reply so made a complaint to the Financial ombudsman as to why I thought the lending was irresponsible. I honestly described the situation, that what is meant to be short term lending became long term in rollovers. Be prepared to provide your bank statements. When the FOS challenged the lending I got a positive outcome within about 3 weeks. Hopefully you have now too. Be patient, the FOS do an excellent job, and if they agree with you or some of what ou claim, they will tell QQ. My wife has just got a 4 figure refund too after using the FOS.

Hi. I should have replied sooner but the FOS were excellent. Very quickly found in my favour. Credit to QQ they didn't argue once the adjudicator had made his judgement and paid in excess of a 7k refund. I feel justice has prevailed.

Hi. I was similar to you. AS replied saying nothing wrong. Complaint put in to FOS and very quickly in real terms about 4 weeks had a 4 figure refund , a substantial payment without delay when the adjudicator agreed irresponsible lending had occurred.

I did get a response, very quickly indeed, rejecting my complaint. I went straight to FOS site and lodged my complaint.

Thanks Janes, I am in the process of filling out the FOS forms. Looking at the FOS website and the complaints against QQ (CASHEURONET IS THE COMPANY) over the last 12 months 75-80% of claims have been found in favour of the customer. I am confident the FOS will find in my favour as it is quite straight forward rolling loans throughout.

I have put in a complaint to QQ for irresponsible lending, over a 4 year period. I don't think they examined my case very much. Got what seems like a cut and paste reply rejecting my complaint and them saying they are happy with the checks they do. I think this will go to the FOS as there is clear evidence of rolling over loans long term and the business is short term lending ?? I think they hope most people will go away at the rejection e mail.

Update **Success** Wonga have replied with an offer I am happy to settle on. I could have gone to the FOS as there were a few more loans that could have been included but upon consideration I am happy that they responded and concluded within 5 weeks and I think I may be talking only about possibly 10-15% more. So good news IMO.

Hi, I have read this forum with interest. I too have placed a complaint of irresponsible lending to Wonga. Basically had revolving credit between 2011 to 2014. Was only paid off with a fixed rate loan ! I have argued that the pattern of lending in itself was evidence of the unaffordability of the loans and that it is their responsibility to do the responsible checks, and that they would have found out I had a DMP and other payday lending stream running as well if they had. At one point they emptied my account with small withdrawals until they could get as much as possible on a day when there was insufficient in to cover the loan. Also I argue there is a self admission that it was irresponsible as like others I did get a refund for one loans interest when the FSA announced their decision against Wonga in 2014. My wife too had Wonga revolving loans, we haven't put a complaint in for those yet, just seeing how they respond to mine first, but that is a check not done also to see if any other household member was already on their customer list. My complaint was responded to with a reply of give us 8 weeks to investigate. I'm hoping my case does not need to go to the FOS and some sense prevails. Thankfully my DMP has finished and while not flush with 2 of 3 kids at University needing financial support, managing to cope without the likes of Wonga.