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Hi,

 

I have sent all my payday loan refunds claims off but I just have a few questions. I don't have any bank statements but I have my credit report. I attempted suicide because of my bad debt and I had over 19 payday loans in Sept 2011 so I chucked everything and buried my head in the sand. On my credit report it shows I had every month in 2010 - 2011 3 loans running at the same time every month. I have claims for all my loans in 2011. My quick quid loans I had 33 loans that's roughly over 7 per year. Do you think I have enough to claim back as most of my outgoings in them 3 years were to my parents as they are retired and relied on my rent. in 2009 my dad to a loan to pay all my lenders and so my outgoings increased by £150.

 

Rent: £500

Dad Loan: £150 (After 2009)

Mobile: £45

Travel: £250

Food: £200

 

In 2008 - 2010 I was earning £1010 and in 2010 - 2011 I was earning £1200 per month. For 4 months in 2010 I was on JSA so I only had £280 every 4 weeks.

 

In 2008 - 2009 I had the following loans all at the same time

Wonga

Quick Quid

Poundstillpayday

Wageday Advance

Payday UK

Payday Express

Moneybox 247

Mr lender

Uncle Buck

 

In 2010 - 2011

Wonga

Quick Quid

Payday UK

Wage day Advance

Payday Express

Payday Overdraft

Monkey Dosh

Convers Money

Tower Capital

Moneybox 247

Mr Lender

Poundstillpayday

Cash Genie

Peachy Loans

TxT Loan

The Loan Store UK

Uncle Buck

CFO Lending

Poundstoday

and I think PoundstoPocket

Oakham

 

As I said I don't have any bank statements only my Credit report that was bad anyway. MoneyBox247 have sent me a sheet that show the credit check they did came back with a score of 450!

 

Thanks for any help in advance

Happy Easter!!

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If you have your credit reports that records these you can obtain bank statements from your bank by sending a Subject Access request

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-**Updated-January-2015**

 

 

They have 40 calendar days in which to respond and will cost you £10.00.

 

 

Although what I suspect you need is data from the loan companies and sending each of those a SAR might be a bit costly.

 

 

Do you have the account/reference numbers for the loans you took out ? And also the dates you had these ?

 

 

You might be able to just email/write to the companies asking for a statement of account.. however, I will alert others on the site team for you so they can have a think on what you might need to do.

 

 

Whilst you are waiting on further advice, you might want to have a look round other threads in this forum to see how others have proceeded where multiple loans were in place.


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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ye Gods! What an awful lot of names.

 

My initial thoughts.

1 Find out how many of the names listed above are part of ONE main trader. You would be surprised.

2 Send one complaint to each main company complaining about each named lender.

3 If they have already rejected you or if they do in the future then you may need to SAR them to get the account history

4 One or two of the names (maybe more) may no longer be trading so you may have to trace the main company. Take CFO for example. They are no longer lending but you can still contact them.

 

5 Make a folder for each trading name. Send all letters with proof of posting at the very least. Signed for deliver if you can.


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Hi All,

 

Thank you for your replies.

 

I have sent off all my complaints and Quick Quid reject the 2008 claims because of the 6 years rule. I took it that they rejected my complaint so I sent it to the Financial Ombudsman, Peachy Loans rejected too, their argument was they only lent me £100 but I said that I had 19 other loans outstanding.

 

I haven't got the cash to pay £10 per SAR for each bank as that is £40 and then £10 for each payday loan £190 I cant do it. Quick Quid's website held all my history so I had a list of each loan I had taken out between 2008 - 2011.

 

When I started taking out loans again in 2011, I rang and asked them to change my bank details and debit card details, only my debit card details were changed so the loan went into my old NatWest account and that was overdrawn by £900. So I had to take another out just to cover that loan. Plus I had to pay that back, so another loan was taken to do that from there my situation snowballed.

 

I have put all this down in my complaint to FOS. The loan I took was a pawn loan so I ended up losing a bracelet worth £300 for a £150 loan because of their mistake. Its funny because the debit card details were changed so they were able to take payment!

 

Once I get other replies I will keep you updated. Do you think I have any chance even if I don't have bank statements? My Dad has said that he is willing to write a letter confirming that I was paying him for all my rent, loan and other stuff since 2008.

 

My Egg loan is on my credit file, but my NatWest account Bill was £950 and I was paying that back in 2010 isn't because of a fee paying account refund they wipe it off my credit report in 2014.

 

Thanks again guys x

Edited by maroondevo52
Formatting

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Good Evening Lou:puxxx and welcome back to CAG. I have been helping a few people on the forums get to the bottom of their PDL issues and hopefully we can help you too.

I am not shocked by the amount of loans you have taken.

 

So you had 33 loans in one year with Casheuronet? Was that also while you had a loan on the go with Poundsto Pocket.

 

You say about Bank Statements. This is technically incorrect about them not being available. You can SAR them and as this will be a long process, Why not put a £10 a month towards a SAR request per bank?

As for each company, you are legally entitled to a statement from each regarding outstanding loans espec but can also request a full statement of all loans paid out. Its your right under FCA Regs to have this information.

 

Please also answer the following questions so I can tailor advice;

 

Please also answer the following questions;

 

- Gambling Involved?

- Issues with Other PDL Companies? Spiral Debt with more than one PDL Company?

- How much was your income on a monthly basis compared to the loan? (Were you ever unemployed)

- Did you ever give incorrect info to acquire a loan?

- Rollovers... How many?

- Did you tell them when you hit financial arrears?

- Why did you stop paying?

 

 

Can i add that just throwing out refund letters will not work... You need hard evidence and this is where the Bank Statements come in.... etc...

You need to look at Noddle and Clearscore (Noddle EXPEC! They used that CRA most), get search dates, account status etc.

Also tell me how many closed accounts you have in your Updated CRA... Id like to know.

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Hi All,

 

I did think I had a loan with Pounds to pocket but I think it was Poundstoday. I chucked all my paperwork away purely because I didn't have the strength to deal with them. I know about the SAR but with my limited income I can't afford to do that just yet. I was hoping that I wouldn't need them as I can't provide a statement from my father who I was paying rent to and who got my out of trouble with the first lot in 2008. I've sent a email to them all requesting my account details. I sent a request to over 22 email address all different companies, hoping that they could see how many loans I had by that alone lol.

 

 

- Gambling Involved? Not really. I did gamble but not in 2011.

- Issues with Other PDL Companies? Spiral Debt with more than one PDL Company? Yes in 2008 - 2009 I had Wonga, PDUK QQ WDA PD Express and Mr Lender PPoundstillpayday. In 2010-2011 I had over 19 companies though I believe there could be more as these are the only one I remember. My credit report shows 2011 and 3 loans during one time most months and that I was late on payment.

 

 

 

- How much was your income on a monthly basis compared to the loan? (Were you ever unemployed) 200-2009 £1010 I had an Egg loan of £118, Travel = £250 (I had to take cabs due to an illness, I had an £800 Natwest Overdraft and I paid £650 to my dad in rent and Bills and £45 mobile bIll, My dad paid those off by getting a loan for me so in 2010 - 2011 I had the above expenses plus £150. In total I had around £50 out of my wages each month. Once I took one loan I then had to take another and another every month as it snowballed. I had a vet Bill I had to pay that's why I took out the first loan in 2008. In 2010 the main cause of it badly snowballing was the QQ mess up where they put it into an Old Account that was my Natwest which I owed £900.

 

 

 

- Did you ever give incorrect info to acquire a loan? No I don't believe so.

- Rollovers... How many? I'm not entirely sure. Will check the info that I've requested from each company. I'm sure I did maybe 2 months at a time.

 

- Did you tell them when you hit financial arrears?Yes and I was told that I had to pay it in full then I could take out more. Cash Genie Loans in 2010. I borrowed £150 and I was about 2-3weeks late and they took £600 then I had to borrow more again and the next time I was just over a week late and they took £954.

 

- Why did you stop paying? I ended up trying to commit suicide and become very Ill in Jan 2012 I had 3 operations and I was off Sick for 8months and only receiving £336 in SSP. None would help which is why I did what I did. Had I took my head out the sand I would've been ok and seen a way out.

 

Hope that's ok. Anything else you need I'll answer tomorrow morning.

 

Thanks for your help x

Edited by citizenB

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I have just re checked my credit report and I was wrong it doesnt show the full history. I also found the during March 2010 and Oct 2010 I was unemployed but I don't think I had any loans during this time. But my Quick Quick Loans in 2009 - 2010 were definitely one after another and increasing each time. The main issue I have is not being able to prove payments to my father. I wasn't paying him rent, I have just been speaking to him and the payments I made to him were in fact from 2006 when he got me out of trouble.

 

 

I had lots of credit card and loan debt from Gambling and it came by his records over £10,000 his loan repayments were £400 per month, He then took out a further loan in 2007 this was for £3500 and that was £200 per month, then in 2008 I had a top up of £2500 and that brought the total that I repaid to him £750 per month. I was out of work between March 2010 - Nov 2010. Luckily he has records or I wouldn't have a clue. I didn't realise I had borrowed so much. He kept topping up on credit cards and paid things off for my by credit cards. He could never have afforded those payments and when I was out of work for 7 months in 2010 and off sick again in 2012 he ended up in a lot of debt credit cards and loans that he is taking out an equity loan.

 

 

I put it down as rent but it wasn't right. I always thought I had paid back the stuff from 2007 and 2008 and I only had the recent stuff outstanding but it hasn't been. I came out of work finally in March 2013 due to Illness and since 2005 I've had 15 operations so have been in and out of work various times from then. Hopefully this makes things clearer.

Edited by citizenB

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Wonga - - Redress Scheme and Loan Write Offs. Usually are good with PDL Refunds

Quick Quid - Use Scripted Response for complaints. Drag to the FOS

Payday UK - Are heavily overloaded. Someone I know is still waiting 17 weeks on for a response to a complaint.

Wage day Advance - Not really heard much from them about redress and refunds

Payday Express - Same as PDUK (Same Comp)

Payday Overdraft - Liquidated

Monkey Dosh - Unsure... This one seems to be dormant...

Convers Money - Liquidated

Tower Capital - Liquidated -Not going to happen.

Moneybox 247 - Not really heard much from them about redress and refunds

Mr Lender - Seems to drag heels with refunds

Poundstillpayday - You wont get anything out of them

Cash Genie - Liquidated

Peachy Loans - Not great on redress claims, very good at helping outstanding balances.

TxT Loan - Now Myjar... Not great with complaints.

The Loan Store UK - Now Cheque Centre - Doubtful for refunds, they were reprimanded by the FCA,

Uncle Buck - Not really heard much from them about redress and refunds

CFO Lending - Liquidated

Poundstoday - Never heard off.

and I think PoundstoPocket - Casheuronet - See QQ Above

Oakham - Dunno with these.... Not really sure that you could get much from them

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So... My comments above. Genuinely, i think you stand no chance with any of them. Because you need to have backup proof. BANK STATEMENTS!!!

 

IMHO if you were to spend the £40 getting the required statements then you would probably get a hell of a lot more.

 

I genuinely want to help, but i dont I can until you get yourself organised.... You need to get statements etc from all companies... etc

 

No point sending letters... I dont think youll get anywhere. And plus this isnt about debt avoidance.

 

I want to see the letter you sent to these companies...

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I have just finished request statements from each of the companies. I will request statements from my banks tomorrow. Once I have account histories on each then I can look at when the loans were taken out and which were running together. My father is going to be writing a statement for me to say what I borrowed from him and what my repayments were and when. In regards to Poundstillpayday I have contacted the Malta Fianancial Ombudsman and they have agreed to take on my complaint. I also contacted MMF regarding the payday loan debt collections and so far they have offered to write off all the balances on the portfolios they have. In regards to Cash Genie. I found a bank statement that I had sent to another PDL in 2010 and it shows that I had 2 loans and I was late paying them off by A month at a time and they took 1st £600 and the 2nd £594 both were for loans of £150. I am checking my email to see if I have anymore. Payday overdraft have not been liquidated they are in fact still active but the Director will not give anymore information about the future. I took that to the Ombudsman and they have offered me £300 and to have the CCJ marked as settled.

 

You mentioned that this isn't about debt advoidance. Please be assure I am not trying to get out of paying. I have offered to pay the original loan balances out of any redress, I am unsure as to why that would be brought up as I'm sure you know the problems and the Debt that can result from these and I am sure your claims weren't about debt avoidance?!

 

I should've been more prepared but I am getting to grips now with it all. I do understand about the proof side of things. I went through everything when I claimed back PPI on 8banks and I reclaimed my Advantage Fold account 2 years ago.

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Just to give you my input - I have complained to many of the companies you mention, and I have no bank statements.

 

Most complaints went to the FOS who only required my credit report, a couple of agents asked for bank statements but I told them I do not have them, and they were fine with that. I would still go for it.

 

Hope this helps :)

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Just to give you my input - I have complained to many of the companies you mention, and I have no bank statements.

 

Most complaints went to the FOS who only required my credit report, a couple of agents asked for bank statements but I told them I do not have them, and they were fine with that. I would still go for it.

 

Hope this helps :)

 

I totally agree. If you don't ask, you don't get.

It may be that there is little proof of irresponsible lending but the FOS do not rely on law, only what is fair and from what I have read on the FOS website, their decisions tend to follow a similar route to what is being claimed here.

 

If a credit file doesn't show much, a SAR to the main CRA (Experian) should bring back at least 6 years of history


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I totally agree. If you don't ask, you don't get.

It may be that there is little proof of irresponsible lending but the FOS do not rely on law, only what is fair and from what I have read on the FOS website, their decisions tend to follow a similar route to what is being claimed here.

 

If a credit file doesn't show much, a SAR to the main CRA (Experian) should bring back at least 6 years of history

 

Corrtecto :) If you dont ask, you dont get... However to the OP... You dont necessarily need to had Bank Statements, but you do need to be organised in all of your complaints and what dates you can send them off to the FOS etc.

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Hi Everyone,

 

I have got all my bank statements between 2008 - 2011. My 2008 - 2009 statements show I had 9 loans all going at the same time. Mr Lender, Wageday Advance, Quick Quid, Payday Express, Wonga, Poundstillpayday, and CFO Finance. Then in 2010 - Aug 2011 I had 16 loans with 16 different companies. I also had Convers money, uk loan store, Pounds today and monkey Dosh on another account. Just from my bank statements you can see that I was in deep trouble. I have sent the statements to all the companies. My credit files only show Quick Quid, Wonga Mr lender and 247 moneybox but that's it. As some of the loans are older that 6 years they wont show on my recent credit file. As my father took out loans and credit cards to payback my debt from 2005 and again in 2007 I had to pay as he's on a pension and it was my debt. Luckily my statements show regular payments to him. Do they take that on board when checking availability? I have used the Wayback when machine to get screenshots of the companies application page and it shows that they never ask about any questions about my outgoings. I've screenshotted it and sent that to them too. When I went into my QQ account they questions they have recently added about dependants, rent, food etc are not filled in as they were not on my original application in 2008. I found an NHS letter that shows I had to have counselling in 2011 after my suicide attempt. Do you think I had enough or should I have my dad write a letter stating what I paid him and why? Would that help as I paid him over £750 each month.

 

Thanks for all your comments.

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Also how much do they allow for travel and food? My illness limited my ability to walk on some days as I had multiple surgeries so I had to take cabs from Bexleyheath to Hither Green in 2011 or Bexleyheath to Belvedere in 2008 - 2010. There and back too so I needed around £15 a day in travel costs when I was ill. When I was able to us public transport I paid £10 per day. I couldn't pay weekly or monthly as some days I needed cabs. I work it out that I was spending around £450 on food and travel then £750 to my Dad and around £200 on an Egg loan, NatWest Debt and an EE debt so before any loans I had a deficit of £50 each month, hence the need for payday loans.

 

Before anyone asks if I could've paid less to my Dad I couldn't. I should've been paying £950 as he took out a mortgage in 2005 to clear my Debt then credit cards to help me again. My father thought back then that it would be easier a better than bankcrupcy. He took my payments down to £750 and I paid him more when I could.

 

£750 - Dad Rent and loans on Average sometimes I paid £850 and £900.

£250 - Travel (Sometimes more)

£200 - Even If I lived at my parents surely they cant be expected to feed me lol.

£250 - To Egg and NatWest and EE

 

These are the figures from my bank statements so Ignore those when I first posted.

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I just wanted to add to this- the comment about QQ being able to reject the complaint based on the 6 year rule isnt strictly true. They might try it, but I spoke to FOS at length the other day on behalf of a friend of mine who has literally hundreds of historic loans.

 

The chap I spoke to was incredibly helpful, and assured me that its either 6 years from the date of the loan,OR 3 years from the point you realised there could be a problem. My friends circumstance are a bit extreme, as she has been seriously ill for the last few years and he had a great deal of sympathy for her situation, to the point where he personally wrote all 6 of the complaints and posted them to the various companies complete with FOS references. He also made sure I was authorised to discuss everything on her behalf, as she is unable to deal with it herself.

 

Dont let them fob you off with this rule- the FOS dont agree!

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Thanks for that! They tried that one I however quoted that it falls under the 6 + 3 year rule. They haven't said anything since lol. Ive just been digging around and have a screenshot from the Wayback when Machine and it shows that QQ asked for no qutgoing information at all. All they asked was living status that's it. Ive taken a screenshot of that and also checked my account info with them and all the parts about outgoings are blank which clearly shows none of those questions were answered at the time of my application. Hope this information helps with my claim as my credit report shows very little.

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Update: Wageday advance came back and offered all interest plus 8%, Mr lender 50% but taken to the FOS, My Jar no good taken to the FOS and CFO lending taken to the FOS. Poundstillpayday offered to clear the balance and £139 but have declined and taken to the MFSA (Maltease FOS)

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At least it's a start. One down, many to go. Check the FOS website for similar decisions and see what they say.


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Hi Lou,

 

I might be wrong on this- I'm sure someone will correct me if that's the case, but I am not sure that the Maltese FOS can help with refunds etc. I hope I have made a mistake, but I am sure I remember reading somewhere that you can complain, but they wont help with a refund or compensation.

 

If thats the case, it might be worth accepting the £139 as better than nothing :|

 

Well done with wageday advance though! :cheer2:

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I had a look and it seems to be 50/50 especially for Quick Quid which is my biggest. Was pleasently surprised when I got the email today about WDA. Hopefully I can get a good result from a few others but only time will tell.

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Hi All. Update on my complaints

 

Wageday Advance upheld my complaint and have paid me back all interest and fees plus 8%

Quick Quid rejected my complaint and sent me their final response but the rejection was generic and didn't mention any of my issues it even got wrong What I was complaining about. I wrote a steaming email to the CEO of Eurocash net and the CEO of the parent company in the USA. I also wrote to the All the news papers who covered the stories about refunds and copied in them in. I soon got an email back from him saying that they will look into my complaint again. Don't get me wrong I'm not expecting the decision to change but it just gives me another shot instead of going straight to the FOS.

Uncle Buck rejected my complaint so I will be taking that to the FOS

Haven't heard from Wonga yet but expecting that to be a no too but they did wipe my last loan so hopefully that shows that the others were unaffordable too.

PDUK and Payday Express I have given them more time.

Poundstillpayday - Rejected sent to Maltease FOS

Monkey Dosh rejected sent to FOs

Cash Genie - no response yet

My Jar, Mr Lender and peachy - with the FOS

CFO lending with FOS

WPPL £300 agreed but not upheld. FOS won't touch it because of the CCJ!

 

Will update if I hear anymore x

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loulou, I really wouldn't bother trying to give quickquid or any of the others more time - best to get the clock ticking with the FOS complaint as you could be waiting up to 6 months to get that completed after the 8 weeks you have already waited. QQ usual strategy is to slow things down and frustrate as much as possible by taking the full 8 weeks and then making some derisory offer...

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loulou, I really wouldn't bother trying to give quickquid or any of the others more time - best to get the clock ticking with the FOS complaint as you could be waiting up to 6 months to get that completed after the 8 weeks you have already waited. QQ usual strategy is to slow things down and frustrate as much as possible by taking the full 8 weeks and then making some derisory offer...

 

I wouldn't normally but its Quick Quid's CEO office that will be reviewing the decision. They've already sent the generic final response. I copied the CEO in an email I wrote to all the media outlets and got a reply an hour later apologising and saying they will review it again.

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