I had some issues with PDL's and complained to them. Some caved and removed defaults from my credit files, some didn't so they were sent to the FOS. I sent three to FOS and all three won. Now FOS guidance (Even OFT those days I believe) stated that if they had lent to you irresponsibly, the PDL company should put you back in a position you were before taking out the loans. This means that they would be required to refund interest as well as remove markers from your account. If you had more than 3 or 4 PDL's/loans running at the same time, this is looked at by the FOS as a sure indication that you were lent to irresponsibly. My