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.

QQ rejected my complaint at first. Then I asked if it was final offer and sent them details proving I had defaults etc at the time of loans they then wrote back and wipe out existing loan £600 + interest and sent me £150 for inconvenience. I probably had paid more in interest but just wanted to be get rid of debt. As long as you can prove through credit report loans were irresponsible you should have no problem. I use noddle as it is free and shows all loans and defaults.

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.

own thread created

Hi guys,

I have complained to a Wonga, and quickquid, which Wonga have paid out. I am waiting for wonga to reply, they have until Wednesday... However when I initially emailed them I asked for a copy of my transaction history, this was so I could piece together what loans I had and over what duration. What was strange was that even though I had not mentioned complaining, QQ emailed me back.. within 2 hours.. explaining they had extensively looked into my account and could find no evidence of wrong doing. I emailed them back saying this was all well and good, but I until that point had not complained. It was at this point I started to get some real answers....

Remember when complaining you have the automatic right to a Complaint number, and if you arent satisfied in the 8 weeks following posting your cdmplaint, go to the FOS.

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

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.

thanks for updating the thread

title amended to reflect your win

glad cag could help

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dx

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,

could I ask what you did as an initial letter?

I'm about to start a claim as I was in the same position as you and ended up with a flex credit account somehow that I had to borrow from others to pay off.

Do I just write asking for a breakdown of the account history first,

or complain and ask for one?

Any help would be greatly appreciated.

Thanks.

Hi, would you mind having a look at my thread? I think it's very similar to tigers66 and just want to make sure I do the correct things?

It's here.. http://www.consumeractiongroup.co.uk/forum/showthread.php?457337-QQ-Want-to-complain-for-Irresponsible-lending-Need-advice

Thanks guys.