I'm sorry to hear that. From what I understand based on the success stories, it seems that you possibly got a raw deal? If not, can you explain how others have won cases similar to your own? Again I'm sorry to hear that these loan sharks are getting away with this.

Even if it's discovered I could "afford" the loan, I had a loan with Mr Lender and Wonga at the same time. Would this not work in my favour as it would surely have told them this on a credit check? EDIT: I am referring to the latest loan I've had from them which I haven't paid back. I've had 37 loans totalling over 6k from them between June 2013-November 2014 according to my account history on their site. At most points during these 37 loans, I had Wonga as well. Also had Mr L as I stated already.

Haha, thanks for that. I have forwarded the email to their Final Resolution team. Will update!

Received an email back from QQ : Thank you for contacting QuickQuid. The contents of your email were duly noted. We apologise if there was any delay in responding to your complaint. Your query raised several questions on what loan affordability is based on and what statutory checks are processed before assessing credit approval. Please be advised of the following information in relation to your query: -We processed a credit check, the search id: XXXXXXXXXXX confirms one of the affordability checks that were ran. You can find additional information on checks by contacting Callcredit which is one of the Credit Reporting Agencies we use. We also run various checks, which include but are not limited to, affordability assessment based on current financial commitments, as well as verifying any personal details provided on the application. After the application was submitted, we send our customers an email which contains the pre-contractual agreement and also contains a hyperlink that leads to an audio version for your convenience. Prior to making a lending decision, your loan application is reviewed and all of the information discussed above is analyzed and taken into consideration. Once that information is reviewed, we make a decision and subsequently contact the consumer to advise of the final credit decision. After careful review of your account and the information you submitted at the time of your application, we have determined that we diligently followed our processes and conducted a credit and affordability assessment on each credit application that was granted. Furthermore, your request for a refund on the charges and fees associated with your loans has been denied. If you have any queries, our Final Resolution Team is here to help. Kind Regards, La'tasha I have no idea how to proceed from here, sounds like I may have nothing to fight for?

Hi CitizenB, I have now emailed all the lenders with my complaint. I will be sure to update when I know more or need some more advice! Also thanks to Bazooka Boo for the much appreciated help!

Hi JEC, Thank you for the help and I have emailed formal complaints to all the relevant lenders. I will be sure to update if and when I hear anything back Cheers!

Been reading all of these stories, amazement is the only thing I can say! I myself have debts with 10 or so PDL and haven't the foggiest where the start. Anyone have any links or anything at all to help get me started challenging Wonga, QQ, P2P, 247, Diff Money, 118, Sunny, Mr L? If so I'd be very thankful. I have the feeling from reading these threads that the majority of these lenders didn't follow the right checks and guidlines when issuing the loans.

After having a read through that, I think I'll go ahead and give Wonga an email of complaint. Are there any templates or tips of what to include in the emails to these companies? 24/7 called me yesterday just as I posted the thread and said if I don't pay I'm going to owe hundreds more to courts? I asked to speak to a superior and the guy kept saying "if you want, email" repeatedly about a dozen times. When I asked again to talk to a manager/have one call me back, he said I was wasting their time and hung up. So so unprofessional. Thanks again.

Hi, Collectd are being used by BT in this case. I've done an I&E and the total I can give each month is around £90-£110 very max. I'll start with saying I lost my job in February 2015. I took the loans out as follows: Wonga - February 2015 (had around 20 prior loans with them always paid in full on time) QQ - October 2014 (same again, had quite a few before this all settled on time) P2P - December 2014 (was behind on QQ when I applied for this and they still accepted me, only realised they were the same company recently) 247 - Feb 2015 Sunny - Feb 2015 PD Exp - Feb 2015 118118 - December 2014 Diff Money - Jan 2015 Vodafone - they passed my debt on to a DCA who pestered me for months after I lost my job. Told both them and Vodafone I couldn't pay as I lost a job but Vodafone weren't really interested. BT - originally a £750 bill for cancelling early, negotiated it down to £130 currently Should also point out that I forgot to mention Mr Lender, they've since offered me a 50% discount and I agreed to, it works out around £7 a fortnight. They all know I've no money apart from JSA until I can get a new job. Will stop all phone contact immediately and keep it to emails only Should I proceed with StepChange?

Hi all, I've been a long time reader of this forum and first time poster. I have a mountain of debts, mainly payday loan companies and I'm looking for some advice. I currently owe: Wonga - £282.16 Quickquid - £402 (referred to ARC DCA April 2015) Pounds to Pocket - £701.09 247 Moneybox - £162.60 Sunny - £640 (3 serparate loans) Payday Express - £132.80 118118 Money - £1361.85 (£291 arrears) Different Money - £294 Vodafone - £559 BT - £130 (passed to DCA, not sold May 2015) This is all of my current debts and I am considering a DMP with StepChange. I am looking for some advice regarding my options and the best way to help clear the debt. I would argue that I shouldn't have got loans from a few of these companies due to already being behind on other loans and having a poor credit rating. So yeah, any advice on how to proceed would be greatly appreciated. Thanks!