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fusionx212

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  1. Hi all I have a question regarding irresponsible lending. I had a massive amount of loans from 2011- 2014 with them. I tried getting my full my previous loans from the site however. I have checked my email account for all confirmed payment emails. £294.51 on Fri Mar 25 2011 £338.64 on Fri Aug 26 2011 £186.17 on Tue Sep 27 2011 £254.14 on Thu Oct 27 2011 £74.54 on Fri Dec 23 2011 £432.64 on Sun Feb 26 2012 £383.84 on Tue Mar 27 2012 £298.34 on Fri Apr 27 2012 £176.97 on Sat May 26 2012 £305.90 on Wed Jun 27 2012 £404.59 on Fri Sep 28 2012 £1377.68 on Sat Jan 26 2013 £198.15 on Wed Jun 26 2013 £726.60 on Fri Jul 26 2013 £551.16 on Mon Aug 26 2013. £1276.99 on Sat Oct 26 2013. £1297.10 on Wed Nov 27 2013 £1052.27 on Fri Dec 20 2013. £1357.43 on Fri Jan 24 2014 £581.33 on Wed Feb 26 2014 £1164.50 on Tue Feb 26 2013 £122.15 on Mon May 27 2013 £1357.43 ON Fri Jan 24 2014. £112.89 ON jan 24 2014 £581.33 on Wed Feb 26 2014 Total = 14907.29] I have just sat down and worked this all out I am and really angry with my self for being so stupid. this is a base figure but I seriously need some advice on how to claim back from Wonga and irresponsible lending to me. my loans rolled over for multiple months and I did email them at one stating I was having financial difficulties I have email references etc - I borrowed the funds from my family to clear down. Things just spiralled out of control. I have a young family and these things just kept on piling and piling on. I finally managed to escape them. How ever I feel my circumstances were never considered and my account was never reviewed fully. I tried to apply for one again in just after the one in feb 2014 when I was struggling but I think Wonga had finally reviewed my case and deemed that it had gone against responsible lending and refused me. Can anyone give a step by step procedure.
  2. Ok, so it's from original default date and not when it was updated. but on the information I believe the dates they updated my credit report and original debt do not much up do you think i can get it removed?
  3. Hi All, I have a default on my account from PRA group. I have noticed the default dates do not match up and the information they have placed on my credit report. I believe this was related to quick quid. PRA GROUP (UK) LIMITED Pay Day loans Default £0 This account has been defaulted If you have incorrect details on your report contact PRA GROUP (UK) LIMITED Account started 27/04/2011 Default Date 29/08/2011 Default Satisfaction Date 18/01/2014 Default Balance £174 Partial Settlement Start date 01/08/2014 I didn't speak to these guys in 2014 I am sure of it so I have no idea where they got the settlement dates from? they said I settled the account in 2014? But I doubt I would of left this debt for 2 and a half years. So my question is will this be removed from my score in April 2017? or does it stay on from the settlement date 01/08/2014 I have also noticed it does not appear as a default on my equifax report it just simply states settled. and can I challenge the default they have placed on my account due to wrong information and dates? I assume they have to prove the debt and provide payment dates etc? any help appreciated.
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