Hi all,

ive been reading this forum for the last few days and decided to get my old bank statements out to have a look at the PDL I had in 2011-13,

I had loans to a total of £4500.

Several were done in the same months etc

many were paid off apart from a couple towards the end when I got in deep and couldn't keep my head above water. I cut my losses.

Could you have a look at the attached list and see if it would qualify for IR?

There a couple that aren't on there as I got them through my local Moneyshop.

I also have a mini credit one which is being dealt with by Opos,

I have read theses are the same company and I plan to SAR all of these to be able to start the claims process if yourselves feel it is warranted.

I think it is and I hope you all feel the same. Cheers

PayDay Loans.pdf

CCA opos for sure

Thanks dx, will do, in your opinion do you think the list looks as though it could be down to Irresponsible Lending?

In No question by far

Can't see the point of sar

Did you read our IRL guide?

In No question by far

 

Can't see the point of sar

 

Did you read our IRL guide?

Yeah I did, the only reason there is only a couple that I feel behind on is because I ended up having to get a guarantor loan to clean all these off

Hi Jon

I was the one who wrote the guide for the PDL IRR Lending. Have any questions, please do fire. I see you having no issues with Wonga and a complaint should get a good response.

Why not put a complaint in nonetheless - Free to complain... Free to refer to FOS

Thanks fkofilee, I read and reread the guide and I was thinking of manly challenging the wonga ones first but I was also thinking because I was getting the others in the same months I had others I would have a chance with them as well, I will get the ball rolling and keep you all updated, cheers Jon

Please do

IMO a decision of 'irresponsible lending' should be made after answers to loan questionnaire vs their combined credit report are evaluated.

Loan applicants have been known to modify the truth.