Received an email today from Asset Collections advising that they have initiated a County Court claim against myself for 3 Lending Stream loans in 2014. My 3 loans were: Start Date 18-May-2014 End Date (As per the original agreement) 30-Oct-2014 Loan Amount (including FPS fee if applicable) 140.00 Outstanding Principal Balance 55.01 Total Amount Paid 218.27 Arrears Payable Including Charges 55.01 Start Date 27-Jun-2014 End Date (As per the original agreement) 27-Nov-2014 Loan Amount (including FPS fee if applicable) 220.00 Outstanding Principal Balance 72.61 Total Amount Paid 222.19 Arrears Payable Including Charges 147.41 Start Date 26-Jun-2014 End Date (As per the original agreement) 27-Nov-2014 Loan Amount (including FPS fee if applicable) 200.00 Outstanding Principal Balance 66.02 Total Amount Paid 201.98 Arrears Payable Including Charges 134.0 As you can see, the 3 loans I had totalled £560 and I had actually paid back £642.44 yet Asset Collections say they're taking me to court for £423.80 (£336.44 plus interest and court charges). I've only just cleared my file of my last CCJ and have started to repair my credit so another is the last thing I want. Would I have a leg to stand on if I appealed ? I feel that £423.80 (even £336.44) is excessive considering I've paid back the capital and then some already. Can anyone advise? If I have to pay it, I will as I just don't want another CCJ. Thanks

Hi I have had an ongoing battle with Lantern (motormile) trying to chase for an alleged Lending Stream Debt. I have provided them with a statement from Lending Stream showing a £0 balance outstanding which they have ignored and i am now receiving threat emails from Wilkin Chapman's "Lantern Team" saying they can't discuss by email due to data protection. I have sent them the same statement i have sent to Lantern and i'm certainly not calling them. Is there a templated response to an email? This is what they sent me "Good morning Thank you for your e-mail, we can confirm that for Data Protection reasons we are unable to discuss details of the account by e-mail without verification that you are the account holder. Please contact us on 01472 253965 or please respond confirming your full name, the first line of your address, postcode and your date of birth for confirmation. We apologise for any inconvenience caused and look forward to hearing from you within seven days. Yours faithfully"

I emailed Oakam about 6 weeks ago regarding my irresponsible lending claim against them. They wrote back a little over a month ago saying they needed four weeks to investigate and to expect a full response within eight weeks. That was 5 weeks ago. This morning I got an email from Lantern Debt Recovery Services Ltd. saying Oakam had sold my loan to them and I was to deal directly with Lantern from now on. What should I do now? Just wait for Oakam to respond or start the whole thing again with Lantern or go to the FOS?

Hoping for some help here. I was getting chased for a debt to Lending Stream that I didnt remember getting, however Asset Collections was chasing me so I was speaking to them a few times and the debt was from Several years ago. I agreed to pay it back to get it off my chest, however, on one call, I was told by the advisor that my DOB didnt match the debt therefore the debt was not mine. So I asked to receive original copies of the credit agreements. Next thing I knew, I received a CCJ notice from Laganside Courts and since then I have been in dispute with TM Legal services regarding this. I asked them to again to supply a copy of the original signed agreement. Failing this several times and sending me a few emails saying hold period expired they sent me what they say is the original agreement. It was password protected so I phoned TM Legal and they said this would be my date of birth as on the original agreement - but this wasnt accepted. They then replied telling me the password. On this, there was no confirmation of personal details such as DOB and it wasnt signed. I queried this. Each time I phoned they tried to get me to confirm my DOB which I refused. Now they are saying they are going to enforce the CCJ. I dont know my options now as they are refusing to supply any further information and state that if I want to dispute the debt with them it would cost me £250. I informed the agent that as they have failed to supply me the information I have requested several times I now am informing them that I believe this is now harassment. Any help please would be appreciated. Cheers

Well fellow caggers it seams like lending stream are taking no notice of the new GDPR regs I applied for a SAR on 25 May and have just spoken to them to find out where it is as I have no comms from the part from their acknowledgement They have informed me that because it has been sold to Lantern that they need some more time to get the required information. I have informed them that I shall be reporting them to the ICO for failure to comply. Has anyone got the link to the letter I need to send to the ICO I can't seem to find it now

Hi all, I just wondered if anyone had gone up against Amigo Loans in irresponsible lending cases. i have had a few loans from 2015-2017 with various top ups just wondering if i might have a case? just checked what i had 3250 16/05/2012 2250 11/09/2014 4250 03/04/2015 5000 29/04/2016 was in a DMP with payplan during the first two loans started missing payments around 03/09/2015 for a few months as was in financial difficulty

Hi all, I was posting about CCA request which led to unearthing my other accounts and I was advised to start another thread in this forum as I may be able to get my PDL wiped under the irresponsible lending rules. I have the following to my name: EuroCashNet (Quick Quid) £770 Instant Cash Loans (Month End Money/ Payday UK) £300 I have been paying towards these on a DMP and i'm due to make a payment in the next couple of days. Any help would be greatly appreciated. Many thanks in advance.

Hello some may remember my posts before where i have made IRL complaint with several companies as i recover from my gambling addiction, can someone give advice on how to respond to Oakam now? i have attached their response thank you i have referred this to ombudsman but now they are saying " The letter we have sent to you on 6 July 2018 did offer a resolution to your complaint. For clarity, your complaint was upheld. At this time, you have not yet paid back the principle sum you have received so we cannot offer you a refund. However, the interest due on the loan has been waived so the account can be closed after the £150 you have received has been repaid. As you have paid £11.98 towards the sum, you do have just £138.02 left to pay. This balance is frozen. We note that this resolution is in line with the guidelines set by the Financial Ombudsman Service. Did you receive our letter dated 6 July 2018 or do you have further comments regarding its content? "

Hello all, really hoping for some advice on my story, will try keep it short as much as possible! i am going to be brutally honest i developed a gambling addiction about 6 years ago, what started out as fun soon became addictive. one loan turned into another and then payday loans started which were so easy to get ( i know there is responsibility on my side but if you have never been inside a gamblers mind it doesnt work the same way as a normal person when it comes to finding the next " loan " ) i am now taking steps to recover from this as all my family knows in the meantime i wonder if i can claim for irresponsible lending against the below firms due to the fact i had several defaults on my file, one as recent as 2018 and multiple accounts showing in arrears/defaulted from 5 years ago, multiple search history on my file which shows how desperate i was to get credit all showing at the time they credit checked me when i applied for a loan with them Mr Lender - 18th Feb £200 - with interest £311 Wonga - 28th Feb - £200 - With interest £234 Myjar - 31st March - £100 - With Interest £150 Cash4unow -10th April - £200 - With Interest £295 Loans2go - 13th April - £200 - with Interest £1019 (took out for longer term) Oakam - 17th April - £150 - With Interest £311 Peachy - 19th April - £100 initially then allowed me to top up with an extra £200 on the same day - With Interest £556 i would like to state that Peachy havent done a credit check, spoke to them this morning and they say they do credit checks, i checked my file on noddle for the 19th and there is no footprint from them on that date under Peachy or cash on go ltd (funny enough in my accounts its registered i have an active loan with them) with all the defaults and accounts in arrears and my credit rating being 1 out of 5 (its at the lowest end of available credit score) surely all this should have alarmed them to consider not giving me the loan and it should have showed i couldnt afford to repay anything. how can they call themselves responsible lenders? surely the defaults themselves should have caused them to say " this person cant pay loans back that are over 5 years old " any thoughts how i should progress with this? i have sent email off to them all lodging a complaint not using any templates as i wanted to write it myself as i dont feel a template really fitted the point im trying to get across to them.

LS have defaulted me 0n 02/03/13 and they are refusing to change it I SAR'd LS and in the partial reply I got from them was the termination notice which states the date of 18/10/12 They have refused to alter the date so I have raised it with the FOS and ICO But for info here is what they sent me - We are writing in reference to your recent correspondence. We have reviewed your account and would like to share our findings. You borrowed one loan from Lending Stream; the ownership of which has been transferred to Motor Mile Finance Ltd, due to prolonged missed payments (can be contacted directly at 0113 887 6876). We understand that you are concerned about the default reported on your credit file. As the lending industry and the regulatory bodies rely on accurate reporting to the credit bureaus in order to ensure that correct lending decisions are being made, therefore, we do not remove the default mark when it has been reported genuinely. Our records indicates that we did not receive the payments on scheduled dates. We emailed you several notices (Notice of Arrears, default and termination) to the registered email Id and a Notice of Default was also mailed to your registered residential address. Please be advised that we report the default mark on customer's credit file after 180+ day when he/she misses his/her first payment (which in your case is 2nd March 2013 and Notice of Termination (NOT) is send to the customer on the 84th day of account going into arrears (which in your case is 18th October 2012). Hence, the both cannot be on the same date. Our constant message to customers whose circumstances change, or who experience hardship, is to speak to us and we will work something out together. Upon reviewing your accounts, we found that we were never informed about your financial adversity. Had we been informed, we would have helped you clear the debt in affordable and timely repayments. Having said the above, we would like to inform you that the Default has been reported genuinely and we would be unable to comply to your request of Default removal. We appreciate your understanding towards this matter. For further queries, please email us at [email protected] or call on 0203 365 0138 (Monday to Friday between 7 am to 10 pm). Call charges apply. Regards, Lending Stream Complaints Department So they seem to think that they can default me 5 months after a loan was terminated, this should be an easy win at the FOS

Dear Forum Members, I used to be in a mess getting by on PD loans and had up to three concurrent ones Thankfully with the help of family members I managed to pay them off. At least I now pay off my debts with no interest ... I recently found out out about your website and decided to make a claim for irresponsible lending. Both QQ and Wonga rejected by claim so I went to the ombudsman. As some of my loans were more than six years old, QQ replied that they will not deal with them. The ombudsman has offered me two options: Continue claiming for all loans which will take more time and may fail or progress only with the loans I took within the last 6 years. So my question is if its worth pursuing the old loans? Do I have any chances of success? Or should I pursue the rest of them and get what i can ? Any advice would be appreciated. Andy G

hi, could somebody explain the purpose of a termination notice? i have been served a termination notice 14 days after being served a default notice which i believe to be correct. however i have been served another default notice which is dated the same day as the termination notice. also i am still receiving threats of fees and charges and am wondering the point of the termination notice.

Hi Just received my credit file and after getting into a bad financial situation I have a total of 19 defaults on my credit file!, 11 are due to drop of this year and 3 next year the rest are around 2022, for the latter do you think my credit file will improve If I pay them of so they are marked as satisfied? or should I just wait, none of them are chasing me for payment at the minute Just edited to add one is for a mobile phone debt that I was paying for 2 years at £35 per month, it says I owe £550.00 now

Lantern DRS Limited (Formerly MMF) Date of issue – 11 JUN 2018. Date of issue 11 + 19 days ( 5 day for service + 14 days to acknowledge) = 29 Jun 2018 + 14 days to submit defence = 13 Jul 2018 (33 days in total) Particulars of Claim What is the claim for – the reason they have issued the claim? 1.the defendant owes the claimant £550.00 under a regulated loan agreement with cfo lending ltd dated 02/08/2013 which was assigned to the claimant on 25/08/2017 and notice of which was given to the defendant on the 25/08/2017 (debt). 2.despite the formal depend for payment of the debt the defendant has failed to pay and the claimant claims £550.00 and further claims interest thereon pursuant to section 69 of the county court act 1984 limited to one year to the date hereof at the rate 8.00% per annum amounting to £44.00 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol)? NO What is the value of the claim? £594 + COURT FEE £60 + LEGAL FEE £70 = £724 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PAY DAY LOAN When did you enter into the original agreement before or after April 2007? AFTER Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DEBT PURCHASER Were you aware the account had been assigned – did you receive a Notice of Assignment? NO Did you receive a Default Notice from the original creditor? NO Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year? NO Why did you cease payments? Unknown Debt, I had a number of pay day loans around 2012/13/14 and as far as I was aware they had all been paid off in full. This has never shown up on any credit report as a missed payment or default. What was the date of your last payment? UNKNOWN Was there a dispute with the original creditor that remains unresolved? CFO WENT INTO ADMINISTRATION Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? NO Hi Guys, I have had a court claim letter through the post. I have been onto the MCOL site and completed the AOS steps. I have also just written out the CPR request and CCA request that will go in the post Recorded Delivery tomorrow. As mentioned above I am not aware that I owe any monies to CFO lending as I paid all my loans as far as I am aware. I also vaguely remember my account getting a redress from CFO in the tune of £650+ which is more than what they are claiming I owe. Any help would be much appreciated

Hi there I wanted to make a complaint about loans issued to me by Minicredit back in 2012 (ish). I know they have been wound up but when I went to Opus/ Kapama they said they have no record of them? I have read on here though that they are all the same company so I am confused.com. Is there any point in going to the FOS if they claim to have no record or is this a known avoidance tactic? Also does anyone know who was the appointed Administrator for the MC wind up / dissolution as I thought I could possibly trace it through them but I am struggling to find this information online (even at companies house). Any help would be much appreciated. Thanks

Hi all. I had a loan with Mr Lender. I emailed today regarding a claim for irresponsible lending as I have issues with problem gambling. I have stopped gambling and taking it one day at a time. I had a reply within the hour. They said they carried out proper checks and I had no defaults or problems in the last three years. I already had two loans open with sunny and one with money boat. My credit card was over its limit and I was overdrawn. They stated that the installments that are due are never over 12 per cent of disposable income. But the next sentence said my installment was under 14 per cent???? There was no mention of the gambling issues nor the multiple searches that are on my file. What's the next step? A reply outlining what I said here then the FOS? Any advice great-fully received. Feel free to move thread if needed

All, Continuing on with my IR claims, I had a reply from Peachy who admitted they never carried out credit checks as there was no requirement! The question I have is because its so old and has dropped from my file and is statute barred, is it worth continuing? I still get the odd threatening email from MMF. Here is their 'full and final reply' Dear, We are writing to you in response to your complaint we received on 21/01/2018. We have investigated your complaint competently, diligently and impartially. We have assessed the subject matter of the complaint and would like to provide you with our views on it. We want you to know that we are deeply sorry to hear now that you were struggling financially already before the loans were issued to you and that you consider us responsible for causing you further difficulties by approving your loan requests. We can assure you that it was never our intention to harm you in any way. As creditors, we abide by our statutory obligation under the Consumer Credit Act 1974 to undertake a sound, proper and appropriate assessment of creditworthiness to assess the borrower's ability to afford the proposed credit commitment. In addition to assessing creditworthiness, we do our best to always undertake an adequate assessment of affordability. Firstly, to ensure you have a clear overview of your lending history with us, we would first like to provide you with a breakdown of your borrowing with us. You took out 3 loans from Peachy between 11/11/2011 and 01/12/2011. The first loan of £100 was taken out on 11/11/2011. This loan was scheduled to be repaid in a single instalment and you repaid the loan one day after the originally scheduled due date. The second loan of £100 was taken out 22/11/2011. This loan was scheduled to be repaid in a single instalment and you repaid it 1 day before the scheduled due date. The third and last loan of £100 was taken out on 01/12/2011. This loan was scheduled to be repaid in a single instalment. However, this loan fell into serious arrears and despite having discussions about repayment options, we did not receive any payments towards the loan and as such, the loan was handed over to a 3rd party Debt Collection Agency called Motormile Finance. We contacted them and we can confirm that no payments have been received towards the loan and that the outstanding balance is £175.00. The affordability check is based on information, obtained from the. The affordability assessment is also based on the borrower’s financial position as a whole and takes account of information that we are aware of at the time the credit is granted. As creditors, we employ the use of a variety of types and sources of information to assess affordability. When you created the account, you provided us with the following information that you confirmed to be correct. You stated that you were in full-time employment, earning against which you listed no expenditures. When you provided this information, you also confirmed that you have provided accurate information and considered potential future income and outgoings in determining your ability to repay. We note that we are not obliged to ask for copies of your bank statements and at the time you took out the loans there were no specific requirements to run credit checks. We trusted the information you provided us with to be true and accurate. Our application form is designed to provide customers with all the information they need to make a well-informed decision about whether the loan is affordable for them. When you requested the loans, you were also presented with information about the full cost of the loan, SECCI and the Credit Agreement. In addition, by signing the Credit Agreement, you also confirmed that you are not: “a) in a Debt Management Plan (or similar scheme) or considering entering a Debt Management Plan (or similar scheme); b) in an I.V.A or are considering entering into an I.V.A.; c) bankrupt or considering filing for bankruptcy; d) under notice of termination of employment, redundancy or any other notice which could affect my employment status; e) in receipt of Statutory Sick Pay or suffering from any medical condition which would cause me to apply for Statutory Sick Pay during the period of the loan; f) in receipt of any benefits instead of my usual wages, salary or other income declared in my application." Having investigated your complaint, we are certain that the extent and scope of our assessments in assessing the affordability of your loans was in compliance with requirements set by the FCA as in accordance with the rules set out by the Office of Fair Trading. Based on all of the above, it is our view that your complaint should not be upheld. However, as a gesture of goodwill, we propose to reduce the outstanding balance of your loan to the principal sum you borrowed, £100. Please let us know whether you agree with our proposed resolution. This offer is made in full and final settlement of your complaint and acceptance by you will indicate your agreement to this condition. This has been our final response. Should you remain dissatisfied with our explanation and the outcome of your complaint then 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. You can find information about how to do this on the Financial Ombudsman Service website: http://www.financial-ombudsman.org.uk. There is helpful information about how to complain in the leaflet Your complaint and the Ombudsman which you can find at: http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm. We have also attached the leaflet to this email for your convenience. Kind regards, Peeter Poll Complaint Handling Specialist Peachy Complaints Department www.peachy.co.uk

Hi you lovely helpful people, I have just found out that my brother has a loan with Safetynet credit. He owes nearly £600 and is at breaking point because the interest is increasing faster than he can pay it back. He has been using them for well over a year and has borrowed and paid back thousands. I am pretty sure that it could be classed as irresponsible lending because he is not working and is claiming benefits instead. Safetynet know this because apparently they log into his online banking! Is it worth him complaining and trying to work out a deal to pay back over a longer period with lower interest (otherwise he is going to not be able to pay them)? One other question is how will this affect his credit score if he makes an irresponsible lending complaint, does it go on his file as a default? Thanks in advance Jackie

I received a simple procedure notice of claim recently and I'm unsure of what to do. This was from a few addresses ago. I'm unemployed, recently had a baby and suffering from postnatal depression. My brain is a bit 'fuzzy' at the moment and I find it hard to take things in and concentrate. What do I Do?

Hi, Since September last year, I have been pursing claims against a total of 17 Payday Loan providers whom I had taken various loans from during the period 2010 to 2014. Of the 17 providers, 6 have settled directly with me and I have currently have 9 claims lodged with the FOS. The FOS have stated that they are currently trying to decide whether they are able to consider loans taken out more than 6 years before the start of an irresponsible lending claim, and cannot provide any timescales for the resolution of the issue. Does anyone have any guidance on a likely timescale for this to be resolved as I cannot find any further information?

Hi, I'm new to this forum and was wondering if anyone has successfully claimed a refund for irresponsible lending, even if it was over 6 years previous? I've e-mailed a complaint to Wonga as I was taking out a loan month after month from May 2010 - June 2013. The majority of loans I had taken out were on the same day as the previous loan was repaid - usually in the region of £500. I made a spreadsheet with dates my loans were taken out, credit amount, amount repaid, total in interest/fees and dates I repaid them. There were 3 occasions I had to set up a payment plan and the day the final payment was taken, I had taken out a new loan with them. The total I had paid in interest and fees is a staggering £2563!! Around the same time I also had several other loans with other companies - one of them with Payday Express which was around the same timescale as Wonga and it was again month after month, I haven't yet worked out how much exactly but have sent them an email aswell. I'm aware the majority of cases on the forum were within the last 6 years but can anyone tell me if I have a good chance of getting some money back although it started 8 years ago? I've read a thread from a few years ago and saw some people were offering excellent advice (fkofilee being one of them) so thought I'd write a post and see what advice I would get.

Help please. I have defended a claim from Moriarty Law acting on behalf of Motormile Finance (MMF) received late last year. They say this is for a fixed sum loan with Lending stream. I wont go into all of the details so far, just want advice what to do next? I did all the usual requested CCA, did not receive, failed mediation and was passed to my local county court. My local court sent a form last month ordering The claimant shall by 2/3/18 file and serve upon defendant in compliance with sect 76 & 79 0f 1974 CCA all relevant info & documents. In default, the claim be and is herby struck out. I received a letter from Moriarty dated the 1/3/18 on the 2/3/18 I will not repeat what was received in the letter word for word but give you an oversight of what it entails. If you need more info please let me know, thanks. It starts by referring to the order from the court, then goes on to refer to the agreement I had entered the amounts and failure to pay etc etc Then says section 76 does not apply to an agreement that has ended as indeed is the position in your case Then says sect 79 does not relate as is for consumer hire agreements Confirms they have sent copy to court by way of filing Ask me to acknowledge receipt and enclosures. The documents they have indexed by page, document and date are Fixed sum loan agreement from LS dated 20/8/12 Notice of assignment dated 20/2/14 then 3 letters from claimants solicitor to defendant dated 25/8/17, 11/9/17 & 19/10/17 I have already picked a few flaws with this info, but need to know do I reply to them or wait to hear from local county court. Thanks in advance

Hi, We have a PDL which is not really affordable. We had to borrow £500 due to unexpected bills etc and not enough money for food etc at Christmas so we took out this loan. I know they charge extortionate interest rates which is fair enough but as we borrowed so much we had to have a longer repayment period (6 months) and in total we will be repaying over £1000!! We are really struggling to repay this and yes we did know at the time and yes we did tick the box to say it is affordable but it means we are in the situation where we have run out of food and not enough money to get us through to each payday! The repayments are reducing the amount we have to spend on food each month and with kids and pets and a roof to keep over our heads and no friends or family to help with money its proving hard! Our credit file is shot due to our DMP so I don't know if they credit checked us or not but really they should not have lent to us. Is there anything we can do?? We don't want to default and don't want another account on our dmp as we are trying to improve our credit files. Most of our defaults drop off this year. I guess I am wondering if we can manage to get through and keep up payments can we do anything about irresponsible lending? I have health issues meaning I can't work so as a family it has been hard, hence the need for the PDL. I am determined never to have to take out a PDL again so no judgement please. Life is hard enough for me Im in pain every day and getting depressed about money and the fact we will NEVER pay off our DMP at £1 per creditor per month!! Thanks for listening and any advice

Howdy, I got myself into a real mess with payday loans, going back to divorce/unemployment in 2009. At its worst, between May 2012 and January 2015 I had nearly 140 loans with over a dozen lenders, in an endless bucket brigade of borrowing from one to repay another. I walked away from the whole toxic lot in January 2015 and am now redressing the situation. From May 2012 to October 2013 I borrowed 10 times from Payday Express - deferring, refinancing, reborrowing etc. 10/8/17 - Sent formal complaint requiring refund of interest (£968.97) + 8% interest (£331.21) + removal of adverse data. 11/8/17 - Payday Express acknowledge receipt of complaint outlining response timescale (within 4 weeks, not later than 8 weeks) 6/9/17 - Payday Express are sorry to inform me that - after 4 weeks - their investigation is not complete 5/10/17 - Payday Express are sorry to inform me that - after 8 weeks - their investigation is not complete. They don't say when it might be complete (at a guess, never) but inform me of my right to refer the complaint to the FOS. So, next? Prelim followed by LBA? Straight to LBA (previous formal complaint as Prelim)?

Dear all I wonder if you can help? Last week I received a letter from our friends at MMF chasing a quick quid loan and threatening a CCJ. This made me take my head out of the sand and decide to do something – but I fear I might be too late I had 15 loans from QQ from December 2010 to the last one in (which was an extension of an existing loan taken out in Dec 2011) in March 2012, which I didn’t pay to break the cycle. I have paid over £3k in interest. I took a loan out every month which was an increase or an extension. At the time they lent to me, whilst I was on a good salary, due to mental health issues I was in total financial disarray. I was on a DMP with debts of approx. £38k, I had 8 defaults and also debts with Wonga (written off) and Payday UK (paid in full). QQ never reported a default to any CRA (although they did send me a default notice y email in june 2012) to be honest with sorting out all the other messes I conveniently forgot about them until MMF kindly got in touch. further to the MMF letter I wrote to QQ to complain about IL and had a standard template reply saying its past 6 years so we don’t have to do anything go to the FOS. I also wrote to MMF informing them I didn’t acknowledge the debt, that the account was in dispute and asking for the loan agreement. They have agreed to put the account on hold for 30 days. So my questions are 1) is it worth going to the FOS after all this time? I have evidence of my financial state at the time as kept a couple of old Credit reports, I could get bank statements (not sure if they will help my case due to my salary and borrowing) but cant do this until pay day, 2) have I now acknowledged the debt by putting the claim in thus resetting the clock 3) as I paid to extend the loan in march 2012 does this count as a new loan (asking as this would be under the 6 year mark?) 4) would it be worth just offering MMF a low FFS figure I really do want to avoid a CCJ or default or do they have to wait for the FOS complaint I have worked so hard for the last 10 years to pull myself out of this mess and am nearly at the finishing line , I really don’t want to give up without a fight. TBH i dont want any cash back just acknowledgement that the last loan is unenforceable