Hi,

I sent in a complaint to QQ and they have emailed me saying that "in order to better assist you, we ask that you fill out below information so that we can thoroughly review and respond to your complaint".

The questions briefly

1. Income per pay cheque at time of loans

2. Monthly expenses (mortgage,rent, travel, bills etc)

3. 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 pleaserovide the name of the website?

4. Did you tell us that you were experiencing financial hardship? If so,when?

5. Copy ho banks statements from roughly time of loans

6. Payslips from roughly time of loan.

Surely they should have all the information they needed before providing the loans regarding g income, expenditure etc

What is the complaint regarding?

If you give more information then others can give you accurate advice.

Is this your debt or your OH?

They do this with every complaint. Its entirely up to you how you chose to reply, but i would be very wary of sending them any bank statements or in fact anything that they can use against you further down the line!

The end result will be the same, whether you provide all of the info or not. They will either reject your complaint, or will offer an amount of about 10% of the amount of interest and fees you paid. I am not trying to put you off- far from it- but i do want you to have realistic expectations of the process.

Your complaint will take 8 weeks, then QQ will almost certainly come back wiht one of the 2 options above, or will simply tell you they havent had time to resolve your complaint.

You need to take it the FOS as soon as their 8 weeks are up, because you will not get a reasonable offer from Quick Quid.

Once you have taken the complaint to FOS, they will either ignore your adjudicator, or will argue that they were reasonalbe, and the complaint will most probably be sent to an ombudsman.

Its extremely likely that it will take 8 weeks with QQ, and at least another 8-12 weeks with FOS.

But back to their questions! I would reply exactly as you have here. If they were responsible lenders, they would already have all of this information. Its none of their business whether you used a template, or where it came from, and they should treat yours as an individual complaint. They need to address your issues based soley on the information they hold on file for you.

Best of luck with your complaint- stick with it- it will be worth it in the end

Thank you for the information, I will explain that obviously they should have all the info provided to them by me when I applied for the loans.

Have already been successful with Wonga and got there refund last week.

Still none the wiser?

Do you need advice?

It's for me and the complaint was regarding irresponsible lending and claiming back fee's.