Should I make my argument based around the fact they should have looked at my bank statements which would have shown a lot of gambling transactions? The fact I was heavily in debt and had asked for 10 payday loans in the preceding 8 months should have alerted to them to the fact I was not managing my money well.

Another update. An adjudicator has found that a loan that I took two weeks after the Satsuma one was not lent responsibly. Another adjudicator has found that a loan I had two weeks after this one was lent responsibly. How can they all come to different conclusion?!?!?

I didn't, Satsuma asked them to escalate.

Hi, Just a bit of an update. The ombudsman has gone against what the adjudicator had decided and has said that the £500 loan from satsuma had enough checking for it to be fine. This is provisional and I am wondering if there is anything I can say to get them to change their mind. By this point this was my 6th payday loan in 3 months (12 in the last 8) and the adjudicator said I was stuck in a cycle of unsustainable borrowing. Is there anything I can argue against the ombudsman? Thanks

It was over 30 months.

A whopping 89.9%!

They offered to pay back interest from the last two loans I had with them in October. I am going for the last ones I had from them in March though. After a bit of research I found out that Quickquid/ Casheuronet is tied to a company called OnStride financial. I took out a £2900 loan with them in March and 20 days later went to Quickquid for a loan. Surely that should have raised some alarm bells!

Sorry to be a pain and ask lots of questions. When looking through the credit report from noddle, should Quickquid have performed "Checking credit application" each time rather than a "Quotation search" or "Administrative Review". I can only see the search and review around the dates I took the loans out rather than a checking credit application. Does that mean they did not do a search when I took out the loans?

Cheers. I will decline Quickquids offer then and show the FOS my bank statements for the time period. I have them all online through online banking. I will let you know how I get on. Thanks

Clearscore really don't register many searches at all! Mostly with Noddle but I can't see any for sunny after a certain date which gives me some ammunition. It's odd as I listed all the loans in a time line and now they are arranged by lender in my post! Sorry, just to clarify, I mean how far back in my loan history could I say that there has been irresponsible lending based on what I posted in my first post. Eg. could I say that Quickquid were acting irresponsibly by the time I took out the fourth loan with them as I had already taken out 3 loans with them and 3 other loans in the interim?

Cheers for the help so far. I've read through that thread. I am a little ahead of you in claiming as all my loans are with the FOS now. And yes, getting sorted with the gambling is a priority. I haven't gambled since the 1st Nov but this is the third time I have got myself into a big hole of debt. Once is more than enough so don't follow my poor example, payday! Each place did do a search when I took it out. I am not sure Sunny did one for each time though. When would be a good time to assume that the loans became irresponsible?

Hi, Thanks to all those who post such great advice. I am currently in the process of claiming for irresponsible lending. I have had a great number of payday loans due to a gambling problem. I have had an offer from Quickquid via the FOS to repay interest on the last two loans made in October. I am just after some advice as to have far I could reasonably claim back for to see if it is worth shortening the fight. I have outlined the dates and amounts below. I have already had a judgment from the adjudicator that one in August was irresponsibly lent so I am working on the basis that everything after is. Would it be worth try to ask for interest from the loan in April as I had borrowed 3 times already and paid off the March one only to borrow two days later and on my payday no less?? When do you think that the FOS would start presuming that money was being irresponsibly lent? Quickquid Oct 2014 £400 Quickquid Dec 2014 £600 Quickquid Oct £1000 (paid off and then...) Quickquid Oct £1100 Quickquid March £700 Quickquid April £700 (paid off the previous loan and then borrowed 2 days later - on my payday) Satsuma August £500 (The adjudicator has said that this has been irresponsibly lent) Satsuma Feb 2015 £350 Sunny Feb 2015 £700 Sunny May £750 Sunny June £100 Sunny Sep £750 Sunny Oct £350 Payday Express Feb 2015 £400 Payday Express May £400 Uncle Buck July £200 Uncle Buck Oct £300 Lending Stream Sep £250 Lending Stream June £150 Whizz Cash Sep £250 Western Circle Sep £200 Pixie Loans Sep £200 Pixie Loans Oct £300 Piggybank Nov £100 Ferratum Nov £110