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  1. Hi All, I've got numerous claims on going at the moment, some of which are over 6 years - I have been waiting since Feb/March, I spoke with someone at the FOS last week who stated that there is a "decision" currently on-going and that the PDL companies are battling with them as to what action they can take for those loans over 6 years etc. Does anyone else know anything further about this, seems some companies have "opted in" or agreed to them but others are fighting it as it will obviously mean more complaints against them.
  2. Good afternoon, I have been a regular user of PDL's for several years and am now looking at getting control of my finances and clearing my remaining debts. I have made poor financial decisions over the last few years which i blame a bit on a bit of gambling and drinking - both issues that are now firmly in check. i just wondered if i am eligible for a PDL irresponsible claim: my current debts are below - all i have borrowed from previously. also i have 4 defaulted debts on my credit file from 2014 so i'm sure this would have come up on a credit check. In total there are 18 othe
  3. Hello I have a few pdl's listed below taken out 2016 which i have not paid. I would like to try and get these sorted out and would like advice on the best way forward. I also have credit card debt listed on a seperate thread here. https://www.consumeractiongroup.co.uk/forum/showthread.php?489391-Debts-of-Credit-Cards-amp-PDL-s-advice-required(1-Viewing)-nbsp Thanks in advance Drafty PDL- now being chased by Asset Collections £746.55 wage day advance PDL £492.71 - Moorcroft The money shop PDL £768.84 - BW Legal Piggybank - £700 - Assett Collections Safetynet
  4. Hi All, Can someone let me know what my chances of getting a refund from these PDL is? All the loans were repaid, except my last ever one with Payday Express which remains unpaid as a default on my credit file. I have read elsewhere that proving affordability is key, but in the case of PDUK/Express despite them being smaller/less loans - can I expect them to atleast write-off/remove the default on the basis, my credit file was trashed, my income was circa £1000k p/m at the time and I had numerous other loans out with both their sister company and other PDL? I have issued the te
  5. Lantern DRS Limited (Formerly MMF) Date of issue – 11 JUN 2018. Date of issue 11 + 19 days ( 5 day for service + 14 days to acknowledge) = 29 Jun 2018 + 14 days to submit defence = 13 Jul 2018 (33 days in total) Particulars of Claim What is the claim for – the reason they have issued the claim? 1.the defendant owes the claimant £550.00 under a regulated loan agreement with cfo lending ltd dated 02/08/2013 which was assigned to the claimant on 25/08/2017 and notice of which was given to the defendant on the 25/08/2017 (debt). 2.despite the formal depend for
  6. Hello to all you helpful souls @ CAG, I am hoping for some advice...... A couple of years ago I took out a payday loan with MRLENDER @ £700ish. I found myself in financial difficulty and was not able to repay. I tried to talk to MRLENDER but they were not interested in my circumstances and just insisted on full payment or interest/charges would be added etc. This annoyed the hell out of me!! Therefore I just ignored them. I have now received a letter from MORIARTY LAW (dated 09/12/16), stating; Amount Due: £1312.50 Original Lender: PDL Finance t/a Mr Lender We hav
  7. Hi I first took out a pdl in 2014 but paid it off early. however when I was struggling in 2016 I was heavily into them and sometimes had 4 or 5 going at the same time. I once had 3 with Sunny running concurrently. I think I have a record of all the loans I took out in the last 2 years Do I have a reasonable claim?
  8. Hi all, ive been reading this forum for the last few days and decided to get my old bank statements out to have a look at the PDL I had in 2011-13, I had loans to a total of £4500. Several were done in the same months etc many were paid off apart from a couple towards the end when I got in deep and couldn't keep my head above water. I cut my losses. Could you have a look at the attached list and see if it would qualify for IR? There a couple that aren't on there as I got them through my local Moneyshop. I also have a mini credit one which is being de
  9. Hi, It's been a while, haven’t been well for some time due to issues that occurred in a previous (recent) thread of mine, but after a year I’m starting to come to terms with what happened although I have been left in a financial rut. (I am not entitled to compensation so I thought about selling my story but don’t know how to go about it) Recently Wonga, and two MMF entries have now disappeared from my report I decided to check my Exp report and see how I really do stand financially since the "Great Advantage Finance Escapade" and forking out £3,500 for legal fees last year.
  10. Hello This is my first post, so please bear with me. As you will have established from the title, I have been stupid recently and have taken out credit via a mail order catalogue and four payday/short term loans. I have always had a volatile relationship with money, which I think has stemmed from my chaotic upbringing (my father got himself into a lot of debt and I was sent out to work from the age of 12 and up until I was 27, I was paying him to help him out each week. The time this ended was when he died (hence it ceasing when I was in my late twenties).
  11. The Consumer Action Group Guide to Payday Loan Reclaims & Irresponsible Lending. Latest guide includes info on dealing with CMC (Claim Management Companies) & When a company falls into Insolvency / Administration. This was updated in Sept 2018 PDL_Claim_Guide.pdf
  12. Hello I have various outstanding PDL loans that I've been ignoring and need advice on the best way to sort them out. I want to begin repairing my credit file ASAP. Wageday. Default £286 Not paid since Nov 15 Lending Stream. Default £507 Not paid since Sept 15 Uncle Buck Default £307 Not paid since Oct 15 Instant Cash Loans t/a Payday UK Late Payment £608 Not paid since Jun 16 I also show two settled accounts: Pixie Loans LTD and Mr Lender - both of these accounts I've received letters chasing the debts from CRS and SLL Capital. What does this mean? These two compan
  13. Good Afternoon all, Having been a keen reader for many years now, only now do I feel the courage to take on these ghastly payday loan companies which left me in such disarray in late 2012 and early 2013. To provide a bit of context, I got myself in a bit of trouble gambling (which I have not touched since 2014), was on anxiety medication from 2012 to 2014 and often found myself taking out payday loans to make sure I got through and able to pay for my rent, council tax, travel and living costs. I often was scrabbling around, pawning items, going to pawnbrokers and also applying onlin
  14. I took out a PDL of £300 around Oct 2013 with Vivus.co.uk. After I admitted I was in trouble, they froze the interest and we agreed to £5 monthly payments in Jan 2014. I kept paying until I had a letter from MMF in June/July 2015. It seems Vivus went bust and the debts were sold on. The data MMF have doesnt include my monthly payments so we disagree on how much is owed. They asked me to prove what I said (I can via bank statements) but don't see why I should have to pay a £10 SAR fee to get them and pass them on. I initially sent them a CCA request and heard nothing back. Last month
  15. There has been a banner, advertised on cag stating that I am the 1,000,000 visitor amd I could win a mini, however no clue as to who put it there. Any ideas ?
  16. Took my complaint to FOS for irrisponsible lending after Fancyapayday rejected my complaint - FOS upheld my complaint - removal of 5 out oof 8 laons from my credit file, refund of all loan fees, charges etc plus refund of the £700 they took from my account using a CPA. So thats around £1500 refund fancy will probably escalate to the ombudsman, lets see what their next move is
  17. I took out 16 loans with 247Moneybox over an 18month period starting back in 2011. All but one successully paid back, the last loan I defaulted on. Usual story, started out with 1 PDL then had to take out a new loan at the end of the month to cover shortfall then another loan with other PDL companies. So I complained to 247 re the amount of loans provided and asked that all loan fees etc be refunded and the default loan to be cleared using monies from the refund. They said nope, we were responsible lenders etc etc. So off to FOS and FOS have upheld my complaint so am now expect
  18. Hi all, toay I had a refund offer from My Jar/Txt Loans for £108 ...i took 2 loans out in 2009 one was repaid on time and then i took another out immediately although I defaulted on this one and late fees etc were added and a few months later I repaid it. Today after I raised a complaint re irrisponsible lending they offered a refund of £108. Safeloans have agreed to remove the ccj from my CRA. TrustedQuid have agreed to work with me to repay the last loan of £150 and remove all references from my CRA files when they receive the first payment FOS has upheld my complaint against
  19. Hi, I wanted to see if anyone has had a complaint against a PDL upheld with FOS and in particular if FOS had recommended that the full loan amount was to be refunded. Typically they will advise to refund loan charges etc and looking through some of the cases it seems that FOS will state that the debtor had the benefit of the loan so this should not be refunded. I agree with FOS in a small way, but when it comes to a PDL lending 14-16 times in the space of less than 2 years then surely there is a case to be answered and that is would it not have been required of the PDL to confirm affordab
  20. Hi everyone, This is my first post here, and I wondered if anyone could help. I have been in a DMP for about 4 years, after making a total mess of my finances with Payday Loans. I was reviewing the remaining creditor amounts this morning, and I wondered if I am being stupid by paying all the interest and charges that the Payday loan companies levied on my initial loan amount when I defaulted. It may be that I should suck it up – it was a mess of my own making after all. But I thought I would check what people with more knowledge than me thought.
  21. Evening all, A few years ago my mum foolishly went to PDL companies for help when things went bad - she was ill and quite vulnerable and ultimately ended up taking an overdose to escape the constant badgering from these companies when she got into the inevitable mess. (this is when I became aware) I made a complaint to one of my mums payday loan companies because 1) they were reporting different things on different CRAs and 2) I believe they had irresponsibly loaned her the amount. Their response was that they hadn't irresponsibly loaned the money, as my mum had tic
  22. Has anyone read this yet if so what are your thoughts on it see below for the link https://www.gov.uk/government/news/cma-finalises-proposals-to-lower-payday-loan-costs
  23. Hi, Someone i knew, well he applied for a loan from lending stream which he was successful in doing so. He then decided the following day,literally, that he wished to cancel. So he emailed them to tell them he was withdrawing from his loan as he is in the 14 day cooling off period they give you, and he had fully repaid the loan back , and stupidly the 30 quid interest too. Now his credit file is showing a settled account from them, dated 14th december 2014, when its only th 6th today and this palava happened 2 weeks ago. I was lead to believe tha
  24. Hi There, As with many I made a few mistakes and got into the PDL spiral!!!!!! I'm now trying to get out of it. I'm starting by contacting (via email) any company I've had a PDL with to set up a repayment plan (on my terms not theirs). Am I right in thinking I can ask them to set up the plan for the amount of loan + 1 months interest only?
  25. Evening, I've checked my noddle report and it states that I have been searched as part of a linked application to take out a loan with a MEM consumer finance at an address I had left a year previously. Now the linked party is my ex partner and all fiscal ties were severed prior to me moving. Is there any way I can get this search off my records as noddle suggest I cannot raise a dispute only my former partner and given it wasn't amicable I don't want to do that. Cheers.
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