Multiple Payday Loans Refunds

[acid53]

id be amazed if it made any difference but can do no harm - however I still would not let it stop you from lodging complaint with FOS. you can keep both tracks going and if QQ miraculously do offer you anything then you can withdraw the complaint from FOS. At least, you will have the clock ticking on your complaint should you lodge it now

[loulouxxx]

ARGGGG I am having a nightmare with the Adjudicator who have got 2 of my Payday Loan claims. She says she will not deal with any of my complaints that are over 6 years, even though I have explained that I had no idea until I read Debt Camel's article she still insists I could have known that I could complain. I explained to her that I could have reasonably known in Feb 2015 when Wonga refunded me and that I had a Payday loan CCJ that was clearly unaffordable I settled in April 2014 and if I had of know I would have complained then and wouldn't have paid up. Quick Quid are saying that I could've known in 2010 when OFT sent out their guidance but I was still borrowing then and 2011??? Am I reading the 3 years wrong or something? Any ideas? I have ask for another adjudicator but I think that was a little hasty. This worries me though because if she wont look at my loans out of the 6years that's a massive chunk off of my Quick Quid refund and another's too. No doubt if she has 2 of my complaints she will be issued with the other 4 I have. But I am really worried about QQ. Please help and has anyone got any ideas? Thanks

[loulouxxx]

id be amazed if it made any difference but can do no harm - however I still would not let it stop you from lodging complaint with FOS. you can keep both tracks going and if QQ miraculously do offer you anything then you can withdraw the complaint from FOS. At least, you will have the clock ticking on your complaint should you lodge it now

 

It did help at all! But she has given me what she used as evidence and what she will be sending to the FOS....I have found errors with it like it says I own my home when I live at my parents, It says my wrong job and title from Apr 2008 - May 2010. So that gives me ample evidence that their system is obviously wrong.

[loulouxxx]

UPDATE: The FOS have reject 2 of my complaints. Which to me makes no sense. My Jar gave me loans when Inwas already in over £1500 worth of payday loan debt which is clearly visible on my bank statements. I am going to lodge a complaint about the adjudicator as She was very biased. It's gone to the Ombudsman so fingers crossed. I have QQ, Wonga at the FOS waiting to be passed over to a adjudicator. I hope I don't get her again she's useless.

[silverfox1961]

Unfortunately, not all adjudicators have your interest at heart and will try and fob you off. This one may be good at her job but sees things differently to you which is why you have the right to escalate further. The Ombudsman may just come back with the same decision unless you have given them further information to base the decision on.

 

Keep plugging though. What you haven't got, you are not missing.

[loulouxxx]

I'm going to. In Sept - Aug - I borrowed £1085 before the £300 then in July I borrowed £2046 before £200 was added. Just for those months I really can't see how she could deem then affordable. I had problems before with her over the 3year rule. On Tuesday I'm going to put all my figures into a spread sheet to see if I am correct and send that to her. If that is the way she deals with things I don't want her to look at QQ or Wonga as those are pretty big and rely on the 3year rule thanks for your response

[loulouxxx]

I have put in my complaint to her Manager so hopefully none of my other complaints will be dealt with by her. Fingers crossed xx