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Everything posted by burke666

  1. well i was finally making progress.... the MFSA was investigating my complaint after i posted a huge amount of paper work to them. then today i get an email saying that its no longer their job to investigate these complaints and the investigation has been closed. got to complain again to another authority now.
  2. Swift..... nothing. they dont respond to any communication at all. contacted the financial people in Malta who also seem not very interested.
  3. Hello, yes, PAYDAY Express repaid all the interest back on Friday, plus the usual 8%.... It's taken alot of time with being handled by the Ombudsmans, who seem to give 4 weeks to respond every time.... But a happy result. I have no idea what to do with Swift Sterling- as they just won't acknowledge me.
  4. What if they keep ignoring? Could they just not pay out?
  5. well payday express have failed to communicate with my adjudicator at all in anyway........ been sent to ombudsman now , so dunno what will be the outcome.... probably ignore them as well.
  6. well Payday Express never sent the adjudicator the info she requested on numerous occaisions , so she looked at the info i sent and decided that 15 out of the 18 loans were unaffordable........ now waiting for their response yet again, theyre ment to reply by the 29th June.
  7. if they dont even supply info....... can they refuse to pay out?
  8. latest update payday express........adjudicator is currently looking at this but payday express have not sent her any of the information that she has asked for...twice. dunno how this will pan out.
  9. Payday UK have now made an offer now FOS have got involved.......they say that if you roll over 3 times then its classed as unaffordable and the Adjudicator says their offer of £817 and to amend my credit file is a fair offer. Just Payday Express and Swift Sterling to go.
  10. Mr Lender Todays response....... the usual "we have done nothing wrong" email........... but as a gesture of goodwill we would like to clear the exsisting debt of £466.93. that'll do for me. Payday UK and Payday Express ............. im still waiting on the adjudicators , strangely i thought they were the same company as the letters from both companies come from the same address, but FOS have got them as 2 companies Express Finance (Bromley) Limited and Instant Cash Loans Limited. then theres just Swift Sterling.
  11. It takes time but put the work in and hopefully youll get some results.... i have.
  12. yes i did but re wrote it on my own words.............. thank you
  13. will do, what response have you had off Northway since contacting MFSA? just read your PM .......... thanks
  14. an update email from Pounds To Pocket.............. "A thorough review of your account has determined that we followed all our processes and conducted a creditworthiness and affordability assessment on each credit application and extension. Therefore, we do not agree with your complaint for the reasons stated. However, we pride ourselves on looking after our customers by attempting to resolve any issues in a straightforward, efficient and amicable manner. Having taken all your comments on board and as a gesture of goodwill and without prejudice, we would like to make you an offe
  15. wrote to Swift Sterlings head office in Malta......... still no response at all. any ideas or just let it go?
  16. ive just waited over 8 weeks for a response to my complaint, only to get an email saying that they still havent come to any conclusion and to contact FOS if want too.
  17. im annoyed theyve had 8 weeks and done bugger all about my complaint. ill get sent off to FOS this weekend.
  18. Good luck... I'm about to take them both to FOS as they haven't come to a conclusion on my loans complaint in 8 weeks.
  19. matching emails today from Payday Express and Payday UK Dear Mr Keen I refer to your complaint against Payday UK. I am sorry for the delay in replying to you and advise that we are not yet in a position to respond to your complaint as our investigation is not complete. The Financial Ombudsman Service gives a business eight weeks to respond to a complaint and, as this time has passed, this means: You have the right to refer your complaint to the Financial Ombudsman Service, free of charge. The Ombudsman might not be able to consider your complaint if: • What yo
  20. thank you........... wish id had the sense not to get in the mess in the 1st place. to anyone reading this who has large problems with PDLC, please get help from StepChange, DONT bury your head and get deeper like i did for 4 years.
  21. email from Wonga today......... Outcome Based on the above, there may have been more that we could have done to assist you in relation to the loans identified and so we have decided to uphold your complaint relating to those loans. Additionally, we will also request for the redressed loans to be removed from your credit record. This may take up to 30 working days to be updated fully on your credit file. thats 9 loans out of 12 loans with Wonga in my favour i think that Payday UK Payday Express Pounds to Pocket Swift Sterling arent going to be as
  22. i sent an email 1st requesting a summary of my accounts, which they emailed to me......... then i put in a complaint for irresponsible lending via there customer care email.... and have heard nothing. is this the correct address if i send a complaint via post? 2) In writing: Please write to us at: MMP Financial Limited SwiftSterling.co.uk Forward Building 46 Windsor Road Slough, Berkshire SL1 2EJ or are they still northway finance?
  23. they paid me within a couple of days....... in 6 deposits though.
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