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Im looking for some advice Piggybank,Sunny,Wonga


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Yeah im able to afford the loan payments havent missed one since the agreement was set up :)

 

Wonderful well if you can get away with not missing another payment then I think we can say that Barclays should be okay :)

Now we need a summary of those loans and then I will draft you a suitable letter that you can use for all 3 companies.

 

As for MYJAR... Id say not to bother with them for now... You had a couple of loans with them so I think this should be a lesson learned...

 

We could do with some help from you.

 

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**Fko-Filee**

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Wonderful well if you can get away with not missing another payment then I think we can say that Barclays should be okay :)

Now we need a summary of those loans and then I will draft you a suitable letter that you can use for all 3 companies.

 

As for MYJAR... Id say not to bother with them for now... You had a couple of loans with them so I think this should be a lesson learned...

 

 

Manythanks for the help.. its a massive weight off my shoulders. a problem shared is one solved(Hopefully) New years resoultion (Debt free) :D

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Thats fine :) Anytime... But do me a favour...

 

If this successfully goes through... and you do get yourself back on your feet, please make a Donation to the site... :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Thats fine :) Anytime... But do me a favour...

 

If this successfully goes through... and you do get yourself back on your feet, please make a Donation to the site... :)

Sure will do, do you get a % of the donation for helping?

 

http://s2.postimg.org/mao4akqzt/Jul_sept_sunny.png

http://s2.postimg.org/m6uaublih/Sunny_sept_oct.png

http://s2.postimg.org/91eso7rmx/Sunny_oct_nov.png

http://s2.postimg.org/pg8q0s9m1/nov_dec_Sunny.png

http://s2.postimg.org/cat7uofqh/dec_jan_Sunny.png

 

Summary for Sunny

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Nope I dont :)

 

But it keeps the good site going :)

 

Seen your summary, make a note of all loans taken and Ill prep a letter when Wonga and the other one come back with more info.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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quick update sent emails to wonga on friday and put a query in to piggybank via there site, no reply as of yet (probs due to christmas)

 

one more question.. if i do have a good case and any chance of winning ive read on a previous thread he'd asked for all info of the loans to be removed off the credit file? can this happen?

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Yes it is possible... We do have cases where the ombudsman rules that they must remove all entries relating to these loans etc

But that is further down the line. When it comes to writing the letters, we can use this to your advantage.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Yes it is possible... We do have cases where the ombudsman rules that they must remove all entries relating to these loans etc

But that is further down the line. When it comes to writing the letters, we can use this to your advantage.

 

 

fair enough all new to me so havent a clue just reading other peoples success

also ive sent you a pm unsure if your able to help :)

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fair enough all new to me so havent a clue just reading other peoples success

also ive sent you a pm unsure if your able to help :)

 

All help needs to stay on the thread. Protects both parties and can help others too.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Sorry was regarding a diffrent issue but shall post here

 

Regarding experian i first started it up on the 11/09/2014, thinking id cancled it whilst sifting through all my statments ive been charged a montly fee off 14.99 untill 19/08/2015

and havent even logged in once since then.. ive seen people on the beat the banks and balifs facebook state about a Direct debit clawback? would i get anywhere?

 

also have around the same time a dateing website that i wasnt aware was monthly payment as only went on it a few times the first month i cancled this when i noticed the same time as experian

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If you can prove you cancelled the DD you may have a chance. Otherwise let it be a lesson to you to check your bank statements regularly!!

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Payday... Please post here you query... Haven't read it yet

 

 

Ive posted it further up also recieved this...

 

Ive only asked for a summary I haven't made any complaint

 

http://s8.postimg.org/sm0zr9491/image.jpg

 

This is what I sent to get that reply

 

Question

Hi,

 

To whom it may concern how would i go about receiving a summary for the account linked to [email protected] for each loan i have recieved starting from the 4th September 2014 if your able to do it via an attachment on email to the above email adress [email protected]

 

 

 

many thanks

 

Ryan

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Okay, its positive that they have opened this already... However I see no reason why your email would trigger a complaint...

 

Are you sure there wasnt anymore inf your original email. I dont see how this could be a complaint unless you have you sent an attachment letter etc

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Ive sent nothing els just that message above to there help on the website recieved nothing off wonga yet

 

So was the reply I revived a shock or standard? Wonga states they answer email queries in 1-2 days I sent on Friday now wensday still no reply

 

So I just sit back and wait now? Still nothing off wonga so them saying they answer quiries in 1-2 days is [naughty word] :)

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Its up to you what you want to to do with Wonga. You can either force their hand with a SAR or you can push forward and escalate up the chain.

If you were to raise the complaint now with the Higher ups at Wonga then youd be more likely to get a response, but also Im thinking that youd get a dedicated complaint handler who would look at your complaint.

It would miss frontline. Give it a couple more days.

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Right - Time to escalate...

 

[email protected] - Group CEO

[email protected] - Group General Counsel

[email protected]

[email protected]

[email protected] - Complaints Manager

 

Take your pick :) , But I got all these from an argument I had with them this year, Naturally it was resolved in my favour.

Drop them an email with a formal complaint that they have failed to respond accordingly. Lets see what happens.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Post up their response, I want to see this. As im at work this week it may be slow response, But i promise to draft you a letter.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Hi payday.

Im in sort of the same boat as you. I just had a question, did you go along emailing every creditor asking for the loan summary. What specific date did you request for? I am just looking for as much help as i can ger to get out of this situation.

If possible can you please just list a series of step you took. It will help me to understand what's required.

 

Many thanks

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