Jump to content


  • Tweets

  • Posts

    • I've an idea that what this is is clearing out stock of old tech panels as there have been signs of major breakthroughs in solar tech - inc what is effectively solar paint   reuters.com WWW.REUTERS.COM  
    • ROFL - says a minister of the government that lets its politicians promote their agendas unchallenged and well paid on the UK's version of Russia Today translated UK deputy PM launches global push to mask their election rigging "The UK is following Russia and China on a government minister and MP led process to get paid vast sums to put our message out to the plebs unchallenged, funded via right wing billionaires, AI from foreign states, and misuse of taxpayer money.   reuters.com WWW.REUTERS.COM  
    • Yes, but the process starts here... https://ico.org.uk/make-a-complaint/data-protection-complaints/what-to-expect/ This involves making a complaint to GS first before approaching ICO. However, at the time of the complaint, I beleive we'd advise the complainant to ask for some compensation and take it from there. @FTMDave?? No, I meant this forum, The Consumer Action Group, where you're posting right now.😄 (We're in the slow process of rebranding as The National Consumer Service.)
    • And yes, they state their client is EON and that they can return the debt to EON who can either register a default or take me to court. 
    • Thank you. The npower debt was from 2019/2020 until EON took over the account late 2021.   npower had set a DCA on me even though I owed them nothing. I spoke to a customer service agent, following up by email, who confirmed I was in credit . I made a complaint to head office who sent a barrage of emails, changing the amounts each time. According to them, I owed £279.   The debt grew to what it is now as first npower and then EON subsequently failed to put a payment arrangement and direct debit in place to pay off this supposed sum and my ongoing bills.   I was very ill with Covid, struggling in lockdown with a disabled child and informed them of all this.   EON stopped their legal action when I took them to the ombudsman as this was part of my complaint and requested remedy but I have not received a notice of discontinuance.    I would like to set up my own dd to pay them off but am concerned they could still take legal action. I am on a low income and can’t afford to pay them more than a token amount each month.   
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

wonga and quick quid


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2635 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello everyone,

 

I had not even realised that people were reclaiming charges and fees from the like of Wonga and quick quid. Back in at the end of 2011 and beginning of 2012 I had lost my job (just as well since they owed me thousands in wages) and been out of work for several months. With the new job I had i was earning £300 a week and was being chased by debt collectors and the courts for outstanding debts (thankfully sorted thanks to CAGGERS amazing help !) I took out several loans between 2012 and 2013 they are listed below. Does anyone have a template or any comments/input/advice at all please. I'm not even after the money so much as getting the loans taken off of my credit rating...

 

Thank you again in advance

 

Smudge

xx

 

 

 

Wonga Quick Quid

19th July 200

20th August 210

28th August 210

17th Sept 200

21st Sept 150

24th Sept 50

19th Oct 193

1st Nov 250

8th Nov 100

16th Nov 608

21st Nov 350

30th Nov 340

6th Deceber 150

11th Dec 240

19th Dec 600

8th January 150

31st January 250

8th Feb 150

14th Feb 150

26th Feb 700

11th March 200

25th March 255

5th April 159

19th April 500

23rd May 250

14th June 300

20th June 600

1st July 2013 1099

Link to post
Share on other sites

Hi

Just looking at those figures, it would seem that you were paying off one loan but not leaving yourself enough to live on therefore you needed another loan.

 

Do you know if any of the loans were rolled over? Do you have statements showing how much was loaned and how much was paid back?

Do you know of any charges added? What checks were made to ensure that you were financially secure? Did you lie to get the loans?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

I think maybe one or two were rolled over, i'm not 100% certain but i seem to recall it, and the amounts were increased (additional borrowing00

I've gone through my bank statements showing the money coming in but i think i had another account the money went out of.

I didn't see any credit searches going back that far (i mistakenly thought it was helping my credit rating having the loans and paying them off)

I don't think i lied but i do think if they had looked at my financial position at the time, i had defaults and also unsatisfied cci's all over the hockey! (Last and final one, which was satisfied 3 years ago comes off tomorrow!)

I ended on getting another job and working 70hour weeks to get myself back on the straight and narrow +CAG's help

Link to post
Share on other sites

Based on that I would complain based in irresponsible lending. Your credit file would show that you had financial troubles and any responsible lender wouldn't have touched you with a very long barge pole.

 

The Financial Ombudsman Service have a decisions database

 

http://www.ombudsman-decisions.org.uk/

 

If you put in the search fields the name of the lender then check the upheld decisions, you may find one few that are similar in nature.

 

I'm surprised that Wonga and Quick Quid haven't contacted you as they did do a redress program. Perhaps you had finished with them by the time the redress program started.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Thank you for contacting QuickQuid. The contents of your email were duly noted. We apologise if there was any delay in responding to your complaint.

Your query raised several questions on loan affordability. In order to better assist you, we ask that you fill out the below information so that we can thoroughly review and respond to your complaint.

 

Questionnaire

 

1) Recently, we have seen an increased number of complaints where the complainant has obtained a template from a website or blog. Did you use a website template? If so, can you please provide the name of the website?

 

2) Did you tell us that you were experiencing financial hardship? If so, when did you tell us of your financial difficulty?

 

3) Please provide a copy of a bank statement from the time of your loan(s).

 

4) Please provide a copy of a payslip from roughly the time of your loan(s).

 

Once we receive the information back from you, our complaint team will diligently review and assess your complaint. As you will see from our complaint procedure, we have eight weeks from the date we receive your complaint to send you our ‘Final Response’. If at that time you are still unhappy with our decision, you will have six months from the date of our 'Final Response' to refer your complaint back to the Financial

 

Ombudsman Service for them to adjudicate in the matter on your behalf.

For more information about our complaints procedure, please visit the 'Contact Us' section of our website (https://www.quickquid.co.uk/contact-us.html).

 

If you have any queries, our Final Resolution Team is here to help.

Yours sincerely,

Link to post
Share on other sites

Thank you for contacting QuickQuid. The contents of your email were duly noted. We apologise if there was any delay in responding to your complaint.

Your query raised several questions on loan affordability. In order to better assist you, we ask that you fill out the below information so that we can thoroughly review and respond to your complaint.

 

Questionnaire

 

1) Recently, we have seen an increased number of complaints where the complainant has obtained a template from a website or blog. Did you use a website template? If so, can you please provide the name of the website?

 

What has that got to do with them and the price of cheese

 

2) Did you tell us that you were experiencing financial hardship? If so, when did you tell us of your financial difficulty?

 

Even if you didn't, further borrowing and the credit checks that they should have done would have shown up financial hardship

 

3) Please provide a copy of a bank statement from the time of your loan(s).

 

Not sure why they would need this

 

4) Please provide a copy of a payslip from roughly the time of your loan(s).

 

Or this

 

Once we receive the information back from you, our complaint team will diligently review and assess your complaint. As you will see from our complaint procedure, we have eight weeks from the date we receive your complaint to send you our ‘Final Response’. If at that time you are still unhappy with our decision, you will have six months from the date of our 'Final Response' to refer your complaint back to the Financial

 

Ombudsman Service for them to adjudicate in the matter on your behalf.

For more information about our complaints procedure, please visit the 'Contact Us' section of our website (https://www.quickquid.co.uk/contact-us.html).

 

If you have any queries, our Final Resolution Team is here to help.

Yours sincerely,

 

In my opinion, they are trying to get you to implicate yourself by taking out further loans knowing that you were in difficulty. As for that questionnaire, If you do supply the required info (which I feel they don't need) make sure you redact anything not relevant to your case.

 

I also suspect they are trying to frustrate your attempts to get redress and delay the complaints period. They should have this information already on their systems so why ask for more?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

I would refer them to Arkell and Pressdram as they do not need this information as they should already have this on file unless of course they didn't do any credit checks.

 

http://www.lettersofnote.com/2013/08/arkell-v-pressdram.html

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

what would you write back?

 

I received this exact response and all I replied with was just saying you don't require any of the information you asked for to investigate my complaint and is this your final response. I then received another reply saying without the information they asked for they can't investigate properly but would do their best. I also included the date I sent the original complaint to them and stated exactly when they have until to respond for the avoidance of doubt. Hope this helps!

Link to post
Share on other sites

Hi smudge, responding to your pm. Do you still need my help - I think Silverfox has pretty much answered your questions ?

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

  • 2 months later...

Hi everyone, me again....thoughts please.

Thank you for your correspondence of 28 March 2016, please accept our apologies for delay in issuing our response.

We have investigated your complaint and our findings are set out in more detail below.

Our Understanding of Your Complaint

You have stated:

“In the period between 19th July 2012 and 1st July 2013, I took out a total of 23 loans in total amounting to £6614 before your interest and charges were added on. I had been borrowing more frequent and greater sum of money as time went on. These payday loans trapped me into a debt spiral, with the loan repayment taking a huge chunk out of my wages, so then I had to borrow again from you[(or Quick Quid)to cover my next month’s living expenses.

 

For this period my income averaged about £1200 a month at most. My living expenses varied at the time, however a huge amount was needed to repay previous creditors/CCJ’s which were lodged against me at the time.

 

This shows that there was no way I could afford these loans. When I repaid them, I had to borrow more to survive the next month. And by the end the interest repayments had mounted so I was often having to borrow more. You should have realised from my loans that my debt problems were getting worse.

 

You should also have been able to tell this from my salary and my credit reports which showed you the other borrowing I had and my debt problems. So you should never have given me these unaffordable loans. I would like to ask you to refund me the interest and extra charges you added”.

Our response

In investigating your case, we have considered the affordability of your loans based on information available to us at the time of application. That includes your personal circumstances, the value of the loans and top ups against your stated income, the frequency of your borrowing and any other factors which indicated financial difficulties as a result of the loan, such as arrears and repayment arrangements.

Before approving a loan, we carry out a credit reference agency check. This information is available to us from CallCredit and Experian and can be accessed instantly by us when we receive a loan application. When you applied, we combined that data with the personal data you provided to us including salary, employment, marital status, dependents, home ownership status, motor owner status amongst other information, and we also considered your repayment history. All of this information was entered into our underwriting system which uses an advanced algorithm to underwrite the loan as well as carry out an assessment of affordability. You achieved an acceptable underwriting score and the loans were approved on that basis.

You have told us you have taken a loan with another lender in order to repay your Wonga loans. If you are struggling to repay that loan, we would encourage you to get in contact with your lender to discuss your circumstances with them. They will be able to put in place a suitable repayment plan in order to help you to repay in a sustainable way. You can also get free debt advice from a number of organisations including:

· Step Change Debt Charity - 0800 138 1111

· National Debt Line - 0808 808 4000

· Citizens Advice - 03444 111 444

You have referred to the interest charged, our website and customer journey is designed to provide customers with all the information they need to make an informed decision about whether our service is appropriate for them. The “sliders” on the homepage allow customers to work out the exact costs upfront of the amount they would like to borrow for the term they select. Each time you took a Wonga loan, you were also presented on screen with a loan agreement, terms and conditions, Standard European Consumer Credit Information Document and a Loan Explanations document before accepting the loan. These documents were also sent to you by email. You were offered the opportunity to consider the documents and encouraged to read them carefully before accepting the loan, and you confirmed that you had done so. The documents set out the interest rate and the consequences of any failure to repay the loan on the promise date, including the default fee. You were therefore aware of that interest and charges which applied to your loan and accepted the terms of the loan before you entered into the agreement.

Having looked in detail at your loan history, we see all of your loans were repaid in full and on time, there were no defaults, arrears or repayment arrangements, and the amounts you borrowed represented a reasonable portion of your stated income.

However, some loans may have been unaffordable in their specific circumstance as they were taken in the same pay period as other loans, and when considered collectively they were high in comparison to your monthly income.

Outcome

Based on the above, there may have been more that we could have done to assist you in relation to the loans identified and so we have decided to uphold your complaint relating to those loans.

Additionally, we will also request for the redressed loans to be removed from your credit record. This may take up to 30 working days to be updated fully on your credit file.

We would like to offer £47.85 which is an amount equal to the interest and fees on the following loans:

Loan reference

Date

Interest and fees

93591782

20/06/2013

£14.17

70954078

30/11/2012

£8.38

66125444

19/10/2012

£7.46

65092371

10/10/2012

£17.84

 

Interest of 8% simple per year has been added to the total redress for each loan from the date the loan was taken out until the date of calculation. Please see the outline below.

interest and fees

£47.85

8% interest net

£10.74

total settlement

£58.59

 

 

tax

 

8% interest gross

£13.43

basic rate tax deduction

£2.69

Compensatory interest is subject to income tax at the basic rate under UK tax legislation and, therefore, tax will be deducted at the basic rate of 20% from any payments made to you. If you do not pay tax, you may be able to reclaim some or all of this tax reduction from HM Revenue and Customs.

 

If you are a higher rate or additional rate tax payer, you may have to pay additional tax on the compensatory interest via your tax return. Please see HMRC.gov.uk for more details.

If you choose to accept this offer it will be in full and final settlement of your complaint. Please let us know if you wish to accept this offer by emailing [email protected] or by calling us on 0800 316 6745.

As we have migrated to a new system we no longer hold your previous bank account details. We would be grateful if you could therefore provide us with proof of your banking details. This can include a screenshot of your account statement, but will need to show your name, the sort code and account number.

This is our final response, however if you are not satisfied with it, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge but you must do so within six months of the date of this letter.

 

If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.

For more information on the Financial Ombudsman Service, please see the consumer information leaflet found at: http://financial-ombudsman.org.uk/publications/consumer-leaflet.htm. If you want a hard copy of the consumer information leaflet, please call us on 0207 138 8330.

The address of the Financial Ombudsman Service is:

The Financial Ombudsman Service

Exchange Tower

London

E14 9SR

Link to post
Share on other sites

Nothing more than what was expected. As they have said this is their final response you have two choices.

 

1 accept the offer or

 

2 ESCALATE TO THE FOS :-)

 

Just trying to be impartial here :-D

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Nothing more than what was expected. As they have said this is their final response you have two choices.

 

1 accept the offer or

2 ESCALATE TO THE FOS :-)

 

Just trying to be impartial here :-D

 

Hi Silverfox, what would your gut instinct be?

 

I couldn't possibly say :lol: (read my previous post)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

My philosophy is, what you haven't got, you don't miss. Yes the FOS may say the award is fair and that's that however, I feel it would be more likely that the FOS do things differently and may offer more. Just a case of suck it and see.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

  • 5 months later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...