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Ostrich88

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About Ostrich88

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  1. Shall I send the letters via post or email? Also... I'm struggling to find the letter in that thread, can you let me know the page? Thanks
  2. Also one question to answer... I am possibly coming into a reasonable amount of money (few thousand) Should I pay the outstanding loans off, or is it good to hold off paying as it enables me more negotiation (especially with say, WageDayAdvance)
  3. To confirm I now have the following: Bank Statements 6 years (excluding a bank I have closed down) PDL Statement of Account From all except WageDayAdvance (I have an outstanding Loan from them still amongst others) Credit Report Received from both Noddle and Clearscore
  4. Sorry guys that it's taken a while... I got my Bank files however there was an awful lot missing, so I have waited to get information from the companies themselves and I just got the last lot. Please see attached summary. - Items in green are 'estimates' as I still don't have a response - Items in Orange/Red are loans still outstanding Total Loaned: £20,659.23 Total Repaid: £27,326.40 Total Net: £6,667.17 Still Owe: £3,200 + Interest Total Interest Paid/Due/Owe: £9,867.17 + Interest in outstanding loans PDLs.pdf
  5. Do you know a site I can upload documents so you can download and see?
  6. 2 (Banks) x 12 (Months) x 6 (Years) soooo 120! I have the summary in an excel spreadsheet (just the loans and repayments) and no confidential information
  7. Update #2 I have just gone through the last 6 years of my Natwest bank statements and have highlighted all payday loans and repayments, what is the best way show them here?
  8. Update: Earlier today I have contacted the following companies via email requesting a Statement of Account: Sunny (1MonthLoan) 247 Moneybox Cash Lady CFO Lending MiniCredit Mr Lender Payday Express Payday UK QuickQuid Safetynet Credit Swift Sterling MyJar (Txt Loan) Uncle Buck Wayday Advance Wonga
  9. Thank you everyone for your support so far! - Gambling Involved? Yes, during the whole period and up until very recently when I have sough professional help for both Gambling and Depression - Issues with Other PDL Companies? Spiral Debt with more than one PDL Company? As a minimum I would have 2-3 PDLs at any one time (sometimes up to 6). Could never keep up with payments unless I was 'bailed out' by my family - How much was your income on a monthly basis compared to the loan? (Were you ever unemployed) Never unemployed. I was earning approximately £1,200 after tax and single highest loan at that time was £1,000 - with the fees and multiple loans I sometimes loaned more than my income. - Did you ever give incorrect info to acquire a loan? I often gave correct income and usually expenditure, however recently did give inaccurate expenditure. - Rollovers... How many? Multiple. Wonga was once 7 months in a row, MiniCredit 6 months in a row and WageDayAdvance is right now at approximately 8 months in a row. I am currently investigating this to give more accurate information by a) requesting statements of account from all PDLs, and b) investigating bank statements
  10. Good point. To be clear I am not asking about any other lines of credit in this thread except the PDLs. They were there just for everyone's reference so they have a full picture.
  11. Hi I am trying to get my head around my situation so sorry to bombard you with information, however I have done a lot of reading and need your help! Since ~2009 I have been using Pay Day Loans, A LOT OF THEM (full list below). Since 2009 I have always had at least ~3 outstanding loans at any one time. The issue has been made worse by severe depression and severe gambling. I am finally getting help there, and am sorting out my PDLs, however at a guess must have taken out ~£20k in PDLs and paid back ~£30k to date. I believe I have a claim for redress and this is what this thread is about. I will also update this thread for my progress. Key Areas of Claim I had to repeatedly roll-over a loan. This shows that I could not afford to take out the initial loan in the first place as I couldn’t make the payments I had to borrow from another payday lender in order to pay off your initial loan The loan was a large portion of my income meaning I couldn’t pay it in time as I would not have been able to buy food, pay your mortgage or bills etc (up to 5/6th my income in a single PDL, with multiple at any one time) Failing repayments, paying lots of late charges, then being accepted when applying immediately after again Pay Day Loan Companies & Contact Details Below is a list of PDL companies I have used and their contact details. These were mutliple loans, multiple roll-overs (some as recently as 3 months ago) and all across the six year period. I have the following questions: Should I even both searching for information on loans for companies gone bust Should I be contacting companies whereby I still have a loan outstanding (Companies in bold I still have outstanding PDL) (1MonthLoan) Sunny 247 Moneybox Cash Genie Cash Lady CashChoice CFO Lending Early Pay Day Loans MiniCredit MrLender Payday Express Payday UK QuickQuid Safetynet Credit Speed-E Loans Swift Sterling Toothfairy MyJar (Txt Loan) Uncle Buck Wayday Advance Wonga       Other Credit Lines I also have had a lot of credit cards and bank overdrafts. These are now all "up-to-date" and a plan has been put in place to repay them. Company / Total Owed / Now Owe / Type of Credit Line / Comment (CCJ) Luma £ 250.00 £ 250.00 Credit Card Aqua £ 300.00 £ 300.00 Credit Card Lloyds £ 2,700.00 £ 1,890.00 Overdraft CCJ Capital One £ 950.00 £ - Credit Card CCJ Egg (Barclaycard) £ 742.00   Credit Card   Nationwide £ 710.00 £ 710.00 Overdraft   Natwest £ 1,060.00 £ 1,060.00 Overdraft   Next Steps I will now complete the following next steps 1. Obtain bank statements (I can already get 3 years Nationwide and 5 years Natwest but will request SAR from all 3 bank accounts I have held) 2. Contact all companies requesting full detail of my account (all previous loans/repayments and anything still outstanding) 3. Contact Credit Reference Agency Experian to get last 6 years so I can review loans and check whether the proper checks were made. So... with all that information, does anyone have any further advice, next steps, or things I am doing wrong?
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