I am also using experian credit expert which seems to update each time I log in, I'm more concerned about that as I'm hoping to apply for a mortgage.

I have had a final response from Wonga, after one or two emails and a little persistence they have said they have contacted experian and callcredit to remove the default. The said to allow ten days for this to take affect but is there anyway to speed this up or is it likely to happen before?

Can i just ask what is an iba?

"In your complaint, you have also requested some information regarding your loans with Wonga. You request has been sent to the relevant team and you will receive these shortly. If you choose to accept this offer it will be in full and final settlement of your complaint." In this section, they seem to acknowledge my request of default? They also state my original letter dated "Thank you for your letter dated 23/01/2015." I accept that I perhaps should have chased this up earlier but at the time, I was quite happy with the money and had forgotten about the default. :-S

In my original letter i did say that i wanted removal of the default but they never acknowledged later.

Hello, I successfully complained to both Wonga and Payday Uk about unfair lending practises and stated that they allowed me to get in a position of continuous borrowing and roll over without them doing the adequate checks. My wonga loan I had emailed at the time and stated I couldn't afford the repayment and wanted a payment plan organised. After a lot of back and forth they agreed. They did register a default and I am now wondering if there is anyway I can get them to remove this as they technically admitted that they were in the wrong and offered me a substantial refund. So surely I could argue that they put me in a position to get the default?

I thought I should update my progress. After accepting from payday UK and then pushing forward with a complaint from Wonga, I am pleased to say I have been offered an apology and £1344 refund from Wonga. Patience has definitely paid off.

Hello, I have just logged into by online account with bank of Ireland and found I have been given a £225 refund of charges on what it says are O/D charges, I have no letter or any contact from the bank about it. Has anything been published publicly?

I see what you mean. I think I will just accept the offer, because I wasn't expecting it anyway! And then I still have to contact Wonga about their lending practices

Well it will be significantly more to them but for me I think 2 deferals I can in a sense understand, the reason I defered so many times was because I was allowed to and buried my head. I feel the original loan balance and possibly 2 months worth of interest is more than generous to them because I didn't have a financial benefit to the original loan but the multiple deferals un did that significantly so as an example, the loan that was defered 11 times was I think the 4th loan I had with them, it was for £320 plus £80 interest, so instead of saying I want £880 interest which is the full amount i would say £720 they get to keep their two months, so it will be close to £800-900 I think? Also here is the Fos link... http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=20264

There is no CCJ, the loan was always paid back in full, I'm complaining about irresponsible lending on their part, they have offered me £600

Hi do you think i should write back with a counter offer, I know they said their offer is a decision in final but the ombudson website suggest trying to resolve it with the company. My thought is that given they were very negligent I was going to suggest with the exception of the first amount of interest on each loan I would like the rest repaid?

I will, I have just read a case study from the financial ombudsmen where a woman recieved all interest plus an additional 8% compound interest on the grounds that her loans were loaned irresponsibly, this however was wonga.

Sorry my browser was faulty and lumped that together, the debt is paid off, I had complained about irresponsible lending with the loans I previously had taken out, they have offered me £600 pounds as a gesture of goodwill to settle my complaint of poor customer service and irresponsible lending on their part, which is 50% of the interest I was charged on all the loans and deferals etc. Their response and settlement over is a 'final decision response' it states on their letter. And as regards to the default, that was with wonga, pay day UK issued an up to one month late notice on my file because it was paid late because the money wasn't in the account at that particular time. They did say they cannot remove anything that is a true and accurate account of my borrowing habits with them.

Hello all, i have had a reply to an email i sent Pay Day UK (MEM consumer finance) I had complained about there proceedures and felt that they were guilty of lending irresponsibly. In the letter which is quite long MEM have outlined in detail my lending activity and history with them in the time we had a relationship. they acknowledge all loans and the number of times they were deferred (ihave removed specific dates just in case)..."between december and july you applied on two more occassions (no amount was given) and you opted to defer the first of these loans on 5 occasions""it should be noted that you opted to defer your loan at your own discretion the option to pay was always available to you. This was always donr via your on line account and at no point did you speak to an advisor prior to requesting these deferrals.""A loan of £320 with £80 interest totalling £400 was taking out in august 2011 and was due for repayment in september, our records confirm you opted to defer your loan 11 timeswith the last occasion being follwed by a payment of £80.53 being recieved in july 2012, this left a sum of £281.32 which was £225.06 pricipal sum and £56.26 interest" It goes on to mention the email i sent to ask for a payment plan, they acknowledge they asked for income and ex and then acknowledge that they offered me a deferal in this instance too, they also acknowledge that they shouldnt have done that and dont know why that happing (clerical error they guess.) They then go on to say that they had to try for payment even though i expressed that i couldnt pay, this was apparently due to there processes. Then once the loan failed i had to send another income and ex and that the payment plan was agreed after i told them what i couldn't afford. The interesting part is they have offered me a financial settlement of 50% of the interest i have paid as i have had a financial benefit in part to these loans. I am just seeking some advice on what to do next, is this common should i send it to the ombudsmen?

Wow this is amazing!! If I have half your success I'll be very happy

Thank you, I will get started on that and keep posting on progress!

Hello i have posted a few times before about my situation but to quickly clarify, i have taken payday loans out in the past and these have had a negative impact on my credit worthiness. I recently applied for a mortgage with skipton and was declined due to my history of payday loans. I took out loans with Wonga, Payday UK, Lending Stream and last year Quick Quid!! With the exception of quick quid the other 3 loans were from 2010 to 2012. It got to the point were i was borrowing from wonga more each month and had deferred my loan with payday uk each month for a year, which meant it almost became like a monthly bill, and then borrowing extra from lending stream to make up the short fall. i eventually got to the point were i had to contact them and arrange a payment plan. This was with payday uk and wonga as i had settled the lending stream loan. Both Wonga and Payday Uk were contacted before the loan date, they asked for an income and expenditure they then offered me another deferral!! Then i was told that i had to wait until the loan was due and i missed the payment for them to consider a payment arrangement. Both Wonga and Payday UK have marked me as defaults on my credit report and i feel this was not accurate as i had contacted them weeks before the loan date express concerns for my financial situation. I want to write to both companies asking for the inaccurate information to be removed. I understand this is a long shot but then i would also like to complain to the FOS for irresponsible lending. I was just wondering if there is a good way to start, do i start with a SAR? if so is there a template, or is there simply a template for a starting letter. I know this was my fault but i feel these companies are vampires and needs one more person to start a complaint, I was in a vulnerable position at the time, i was young and im paying for it now. Any Help would be appreciated.

I mean since my previous meter reading I'm £23 in debit, so this month I'll be in in credit, I submit a reading every 3 months and my direct debit is adjusted accordingly or not depending on my usage.

Hi i am currently with scottish power and i am looking at switching as it seems i am not getting the best deal. Im wondering though by switching can i transfer any remaining balance to my new provider? it shouldn't be much but i don't have any means to pay it off before switching?

My goal at the minute is to try and have these loans taken off my credit report as I have my finance on the ring I know that with that I am showing decent credit and in a few months will try again with my bank, dependent on the reasons I was declined naturally, they did say I can appeal the decision, but I know they are not obliged to offer credit and but if it was for something unfair or that is in accurate then I will look at it then.

Hi, it was in 2013 and the only company I defaulted with was wonga, I had a similar situation with payday UK asked for payment plan and was told the same, I set up payment plans with and they were paid off over a year ago. Payday UK registered a late payment but not a default. It never went to debt collection it all stayed with PDL companies.

Well I have a default from wonga which I was going to try and get removed, because long story short I had taken out a loan and after a period of the debt and I terest increasing as I paid off each month then borrowed again, the spiral became too much when the last loan I got with them plus their interest added up to more than my salary, I contacted them and aske for a payment arrangement and was told they wouldn't do anything until I couldn't pay at the end of the month, I was never actually told or served with a default arranged a payment plan paid it off and that was that until I noticed the default, wondering if there is any way to get this removed?

I would be paying it each month by direct debit in full, the only reason I had the pay day loans in the past was to show a reliable payment history, then as soon as it was banded around that mortgage companies and other financial institutions were refusing people who had them I stopped! So I'm just trying to build up credit with the "conventional" methods. I'm hoping that by the time we come round to looking for a mortgage, the fact the payday loans are over 2 years old will help. At the minute all I can do is wait for the letter from my bank to see why I was declined just incase it's something I'm unaware of, but having check all my files there is nothing unrecognised, and all accounts and PDL **** are settled and paid on time!

Hello, after being declined for a mortgage for using payday loans, i am on a mission to improve my credit. I applied for a credit card with my bank which is Bank of Ireland. I was declined, I have yet to receive the letter which explains why, however i checked Equifax which they use and i can't see anything untoward, obviously i know they will interpret this data differently, I checked a credit card eligibility checker on another site and it says that the card i have a 90% chance of getting is the aqua card. My main concern is as i have a history of payday loans and sub prime lenders will they look at me using this credit builder card negatively, i have taken out a finance agreement for an engagement ring, so i don know whether to sit tight for a bit?