I got into a terrible mess with payday loans. I ended a relationship and entered a downward spiral of borrowing. I had been in a DMP after graduating and crefit was shot, a sign that maybe I needed to just learn to live on a budget, however they leant to me despite the fact I had defaults on my credit file. I started with QuickQuid, needing extra cash to go out, then Wonga. I carried on rolling over and soon, I was left with nearly nothing to live on each month. Far from the image of a desperate, poor person, I am a failry well paid rofessional, just bad with money. I realised it was getting out of hand, but was trapped. No mainstream lender would touch me and could only take these loans, so carried on. Soon I was borrowing then paying back £ 1200 a month. I eventually got out, bailed by a donation from a family member and started to rebuild, but leaving a number of entries on my credit file. Once the adverse data from DMP was gone, I was left with nearly 20 entries on my file. I wanted to get mortgage, and it meant that I was immediately not considered by a great number of providers. I first, chased Wonga and Quickquid, asking them to remove the entries . Wonga, refused. QuickQuid agreed to remove some. This was using standard letter from this site. I then made a complaint via the ombudsman, who were brilliant. I made my first complaint against Wonga, based on miselling. They upheld my complaint, I received £3000, refining the interest I paid at 8%. This was in October 2014, followed by a case against QuickQuid, which again, I won and was awarded £2500. The money was not important, but, I wanted the loans removed from my file. Wonga, again refused. I then read about miselling and writing off of current loans and removal of entries from the CRA's. I approached Experian to dispute entries as I felt I should have been part of the customers that were misold loans. Experian ten contacted Wonga, who, in turn asked me to contact them directly. They poke to Ombudsman, who showed they upheld my complaint of miselling. They have agreed, 2 years later, to rive all entries from my file WITH ALL CRA's. QuickQuid have ten days to answer the dispute, and, I think they will not respond. This means the 5 entries that still show will be removed. So message is, you can have loams removed , if you can prove miselling. ..