Im just looking for a bit of advice...
Between September 2015 and October 2016 I suffered a mental health breakdown. Turned out eventually i had several manic episodes of bipolar. I was diagnosed in December 2016. Its taken many years to get myself together and onto a healthy lifestyle and this is why I am dealing with all my problems now.
Throughout the time of my first manic episodes, I took out several payday loans. 8 with mr lender over a 7 month period, also several others with other lenders. I was taking them out and paying of others to keep it all going if that makes sense. I was just spending the money on online bingo.
Anyway, ive made several complaints to these payday loan companies on the grounds in was unaffordable lending.
I emailed each one on 26th may 2021, sent them 18 months worth of bank statements, showing the several loans also a copy of my psychiatrists diagnosis of the time. Its coming up to the 8 week mark. Ive had acknowledgements of my complaints but no response to the complaints itself, apart from 2 companies.
Quid Market agreed to remove the £189 i owed them and to remove any negative markings from my file and wished me well for the future.
H&T loans - denied any wrong doing.
I had one loan for £300 paid it off. Then they allowed me to take out a £600 loan on the same day - its still outstanding although on my credit file it states i owe them £1535. Apparently thats with interest and charges they claim i owe them. Do i reply do their final response or just go to the FOS?
As for the other lenders, i am still waiting for their responses. Is it normal for them to wait until the last week to contact me?
Any advice on what I can do next?
Sorry for the long post