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Everything posted by Jackster11

  1. Update! I had a reply from my adjudicator. She tells me that PDUK have issued her with a final response. The only thing they have said is that part of the complaint shouldnt be considered, as it is outside the 6 year time limit. My adjudicator has found in my favour for all loans from June 2010 onwards, which is good news! I have given the matter some thought, and decided to contest the decision, for the following reasons: *PDUK will very probably ignore the adjudicators decision, which means it will end up with an ombudsman any way. On that basis, Im not really delaying anything, so nothing to lose! *I originally complained to PDUK in April. Its not my fault, nor is it my problem that they didnt bother to respond. If nothing else, I think the refund should start form the date of my original complaint to the company, not the point that they had ignored my for 8 weeks forcing me to take matters further. * My loans were a continuous block of repaying/lending, month after month for 48 months, begining in 2008 end ending in 2012. I feel this should be seen as one decision rather than seperate loans. If there is a decision to refund, I think it should go back to the beginning of the pattern of borrowing rather than midway though. *I didnt live in the UK for a few years- I have sent evidence of this with my last email- so I wasnt aware that a complaint was possible. Due to not being resident in the UK I would have no way of knowing what had happened with Wonga and their FCA action. I have complained as soon as I knew it was possible. I think this should make me an exception to the 6 year rule, as my complaint is well within 3 years of me being reasonably aware that there was a problem. I have tried to be reasonable in my email, and have pointed out exactly where I feel things had gone irrepairably wrong. There is one bank statment that shows my salary of £1140, and pd loan payments of £1400. This was in late 2008, and was the 9th consecutive month of my borrowing from PDUK. My loans had tripled in size, and I was taking out a new oan within 4 days of repaying the old loan. I dont expect to be refunded right from the begining, but i feel that this would be a fair point for PDUK to have known there was an issue, and I feel the refund should start from here. What do you think my chances of success will be?
  2. There is quite a big difference to be brutally honest. Log book loans operate under a completely different set of rules- they use what can only be described as a dickensian law- its so old it used to be used for loans against horse and carts. There is no consumer protection at all. Rather than a short term unsecured loan, its a chattel mortgage- or a mortgage against a moveable object. The only real angle for a complaint, as I understand it, is if the bill of sale wasnt registered in time with the court, but even then you're on thin ice. It does seem that changes are slowly being made in this area, but I have yet to see a good result. Someone always has to be the first though, I suppose!
  3. They do this with every complaint. Its entirely up to you how you chose to reply, but i would be very wary of sending them any bank statements or in fact anything that they can use against you further down the line! The end result will be the same, whether you provide all of the info or not. They will either reject your complaint, or will offer an amount of about 10% of the amount of interest and fees you paid. I am not trying to put you off- far from it- but i do want you to have realistic expectations of the process. Your complaint will take 8 weeks, then QQ will almost certainly come back wiht one of the 2 options above, or will simply tell you they havent had time to resolve your complaint. You need to take it the FOS as soon as their 8 weeks are up, because you will not get a reasonable offer from Quick Quid. Once you have taken the complaint to FOS, they will either ignore your adjudicator, or will argue that they were reasonalbe, and the complaint will most probably be sent to an ombudsman. Its extremely likely that it will take 8 weeks with QQ, and at least another 8-12 weeks with FOS. But back to their questions! I would reply exactly as you have here. If they were responsible lenders, they would already have all of this information. Its none of their business whether you used a template, or where it came from, and they should treat yours as an individual complaint. They need to address your issues based soley on the information they hold on file for you. Best of luck with your complaint- stick with it- it will be worth it in the end
  4. I had a great chat with my adjudicator the other day. Im not sure if Im meant to know this, but aparently the FCA are crawling all over PDUK, because of the way they have been handling these complaints. They are in the process of enforcing a similar redress scheme to Wongas, so there may well be more automatic refunds being issued very soon. I know there was a redress scheme in place, but this covers a much longer period, and goes back much further. FCA regs suggest that they should use previous rulings by the ombudsman to help to speed up the resolution of new complaints. Clearly, this hasnt been happening. It seems the internal investigations are the reason for such long delays in getting anywhere with them at the moment. The bright side to this, is that they are not really defending any complaints. The downside is that they probably wont respond to the adjudicators opinion, and it will go up to an ombudsman, which delays the whole process even further. If the ombudsman doesnt get a defense from PDUK though, you can pretty much guarantee its going to go your way, unless the adjudicator fonds against you I found putting a horrible review on trust pilot annoys them in the meantime, and makes you feel a bit better!
  5. Well, 10 long weeks after I initially complained, I now have an FOS adjudicator assigned to my case. PDUK largely ignored me after the statement, refusing my requests for an update, and after 8 weeks I had to send 3 emails and call twice before they would send me permission to escalate to the FOS. They kept pretending they had already sent it... I am under no illusions- they will probably ignore the adjudicator and it will eventually go to an ombudsman, based on what I have read online. But at least the ball is rolling! Based on PDUK's desire to protect its public image, and attract new customers, I have decided that I will now post a factually accurate review of their service and complaints procedure online, every single day, until my complaint is resolved. They say they welcome feedback, so it would be nice of me to give them some! I will keep you posted from here, but I dont expect much to happen in the forseeable future!
  6. Hi Lou, I might be wrong on this- I'm sure someone will correct me if that's the case, but I am not sure that the Maltese FOS can help with refunds etc. I hope I have made a mistake, but I am sure I remember reading somewhere that you can complain, but they wont help with a refund or compensation. If thats the case, it might be worth accepting the £139 as better than nothing Well done with wageday advance though!
  7. I just wanted to add to this- the comment about QQ being able to reject the complaint based on the 6 year rule isnt strictly true. They might try it, but I spoke to FOS at length the other day on behalf of a friend of mine who has literally hundreds of historic loans. The chap I spoke to was incredibly helpful, and assured me that its either 6 years from the date of the loan,OR 3 years from the point you realised there could be a problem. My friends circumstance are a bit extreme, as she has been seriously ill for the last few years and he had a great deal of sympathy for her situation, to the point where he personally wrote all 6 of the complaints and posted them to the various companies complete with FOS references. He also made sure I was authorised to discuss everything on her behalf, as she is unable to deal with it herself. Dont let them fob you off with this rule- the FOS dont agree!
  8. Hi all, Just in case any one is looking to make a complaint about irresponsible lending to cash convertors- I was helping a friend, follwing advice from here- and I have to say, they are the easiest company i have dealt with so far. The statement of accounts was there within an hour of requesting, and following an email complaint on Thursday, a final response has arrived today, with an offer of almost £1500. She is more than happy with that figure, and looking at the loan history, although she has paid more over the years, I really dont think she would do much better with FOS, so she is happy to accept it. The contact details i have incase anyone is struggling getting a reply- Without the spaces- Im not allowed to post email addresses yet! Good luck
  9. I'll head over and have a nosey. Thanks again, I will keep you posted!
  10. I have added the interest to £4700 in total. If I accept that all loans under £300 were probably fair, this leaves me with a figure of £4472.50, plus the 8% interest. I still owe them £339. Does requesting £4464 seem appropriate to you? That pays back their original loan, and includes my interest.and accepts that the first 5 times I borrowed from them it was my own fault. Or should i let them decide that? I have already requested my bank statements- I dont have online access to that account so will have to wait for them unfortunately. I'll be happy to provide them to FOS if they need them though. Thanks again- you're a star!
  11. It was always paid on time, and then reloaned- purely because they got to my bank before my landlord did! At the time I worked for mobile phone company, so got a decent discoount. Hence everyones contracts were in my name. If they had credit checked or asked for statements at any time, they would've seen about £250-£300 going straight out of my account for phone bills, so with their £525 I was left with £300ish a month to pay for the rest of my life- rent bills etc. I ended up borrowing from a couple of other companies a few times when i really got into a mess. It was a nightmare- it makes me want to cry looking back at it now, I was so stupid. I had had my bank account closed down, and defaults and dca chasing me for money owed to the bank and credit cards at the time of the first loan. I couldn't even pass the credit check for a mobile phone- my boss had to over-ride the declined decision! So I cant see how they possibly thought lending me £420 a month was going to end up... I feel like I may have sent them a bank statement or wage slip right at the very begining, so they knew how much I earnt. I might be wrong though, because it may have just been an address proof they asked for. Its so long ago I can't remember!
  12. Good evening, Well, my SOA has arrived, and its not pretty... I'm stuggling to edit my personal details but once I have I'll post it here. In the mean time, the first loan was for £100 on 21/2/2008, the next was £150 on 17/3/2008. April was £190, May was £220, June was £250, July was £360, then it was £420 every month right the way up to March 2012. Ive added it all up and the interest is a whopping £4700. I am happy to conceed that the first few were affordable, and I could comfortably pay them back. However, as it goes further down the line, I was literally paying off one month, and having to borrow it straight back to pay my rent! Paying back £525 was about half of what i earnt. What do you think my chances are? I know they might quibble about it being over 6 years,, but in my defence I havent lived in the uk for a coulpe of years, so i missed all the wonga drama as it happened. Will that be a good enough reason? Thanks again, you lot are ace
  13. Hi, thanks for the replies. I requested a statement yesterday, and they replied to say they hope to get back to me within 4 weeks... I know they're probably busy at the moment but that seems a bit extreme!
  14. Hi all, I have been trawling this forum and found loads of really helpful advice, so firstly I wanted to say thankyou! Between 2009 and 2012 I was trapped in a never ending cycle of debt with PDUK. I was borrowing £400 per month, and paying back £525 every single month, for about 3 years. During this time I was also borrowing from quick quid and a couple of others, but not to the same extent- only a couple of loans from each, nothing on the same scale. I honestly cant remember opening my account with PDUK- and I think the initial loan was for £100, but I know that after that I was never asked about my salalry or expenditure, I just clicked a link in an email and e-signed for another loan every month, often on the same day I had paid off the last loan. During the time I was borrowing, I also had credit cards and an overdraft, defaults every where, lost my job and developed a gambling problem. None of this was ever noticed by PDUK, as they never asked for a bank statement. Would I have grounds to claim back my interest? I defaulted on the last loan, and just ignored them and buried my head in the sand. I also lost my job, as I developed severe acute anxiety as a result of it all, which meant I had to move, so I didnt get any of their letters. Do I need to do an SAR or can I just ask them for a statement? Thanks in advance, J
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