Pay Day Loan Claim - Reassurance

[Lilly11]

Hi Everyone,

Hope you are all doing well.

I am just looking for a little reassurance that I am doing the right thing really.

I have been in debt since 2012 with payday loans, to say they have ruined my life is an understatement, I know I have responsibility for this, but as you all know, desperate times call for desperate measures.

 

I have emailed in complaints currently, to Sunny, Wonga, MyJar, QuickQuick, WageDay Advance AND MoneyBox247.

 

During the years of 2012 – 2016, i took out so many loans with them all, the main ones being Wonga, QuickQuid and MoneyBox247. It go so bad, at one point i nearly had to go into bankruptcy, but was saved by my family with a £26,000 loan in 2014, so it does show me paying back a loan or two early, but as I stated in the emails, it wasn’t because I was able, it was because of the above.

 

I am just looking for opinion really, do you think I stand any kind of chance? I just hope I’m not wasting my or their time with it.

 

247 MoneyBox.

5th March 2013 – £110 borrowed – £141 paid back

27th March 2013 – £185 borrowed – £262 paid back

1st May 2013 – £300 borrowed – £439 paid back

28th May 2013 – £480 borrowed – £692 paid back

15th June 2013 – £80 borrowed – £156 paid back

10th July 2013 – £300 borrowed – £404 paid back

26th July 2013 – £100 borrowed – £171 paid back

30th July 2013 – £480 borrowed – £692 paid back

5th August 2013 – £400 borrowed – £551 paid back

7th September 2013 – £300 borrowed – £412 paid back

12th September 2013 – £100 borrowed – £133 paid back

20th September 2013 – £480 borrowed – £698 paid back

 

22nd January 2014 – £125 borrowed – £211 paid back

April 2014 Loan – 30th May 2014 – Extended current loan – Paying back £671 on 27th June 2014

 

After this loan, I had to take a big helping hand from family in the form of a £26,000 loan as from all of the loans the previous year and up to May 2014, I was in serious financial troubles and close to bankruptcy, so this stopped me lending from June 2014 – January 2015.

 

26th January 2015 – £200 borrowed – £252 paid back

13th February 2015 – £150 borrowed – £168 paid back

9th March 2015 – £400 borrowed – £473 paid back

2nd April 2015 – £380 borrowed – £468 paid back

20th May 2015 – £125 borrowed – £167 paid back

10th June 2015 – £150 borrowed – £170 paid back

9th July 2015 – £150 borrowed – £177 paid back

29th July 2015 – £384 borrowed – £479 paid back

3rd September 2015 – £300 borrowed – £367 paid back

22nd September 2015 – £80 borrowed – £104 paid back

30th September 2015 – £400 borrowed – £499 paid back

31st December 2015 – £411 borrowed – £509 paid back

 

7th January 2016 – £200 borrowed – £286 paid back

18th January 2016 – £300 borrowed – £403 paid back

12th February 2016 – £300 borrowed – £417 paid back

 

 

 

Wonga –

This is by far the worst.

2nd February 2012 – NEW LOAN £100 – £132

29th February 2012 – NEW LOAN £250 – £333.62

9th March 2012 – Topped up previous loan – £75 – £325 Total – £431 to pay back.

11th March 2012 – Topped up previous loan – £70 – £395 Total – £521

29th March 2012 – £580 NEW LOAN – £771 to be paid back.

4th April 2012 – £100 NEW LOAN – £133 to pay back

9th April 2012 – Topped up previous loan £100 – £201 Total – £261 to pay back.

25th April 2012 – Topped up previous loan – £50 – £251 Total – £319.40 to pay back.

2nd May 2012 – £100 NEW LOAN – £133 to pay back.

6th May 2012 – Topped up previous loan £250 – £350 Total – £453 to pay back.

7th May 2012 – Topped up previous loan £200 – £550 Total – £711 to pay back.

2nd June 2012 – £250 NEW LOAN – £374 to pay back.

Had to pay late – Received late payment email on 29th June 2012.

9th July 2012 – £100 NEW LOAN – £133 to pay back.

27th July 2012 – £790 NEW LOAN – £1077 to pay back.

 

29th July 2012 – Had to contact WONGA as unable to meet repayments and had to set up a repayment arrangement.

 

I was making payments of £269.00 for four months, last payment was made on 30th November 2012.

 

Immediately after this repayment plan finished, I was still in big financial difficulty, which my credit check and affordability checks would have shown, also the fact that only a few months prior i just finished a repayment arrangement, I don’t feel I should have been leant to. I was desperate, how ever Wonga should of known better.

 

1st December 2012 – £250 NEW LOAN – to be paid back.

6th December 2012 – Topped up previous loan – £50 – £298 Total – £397 to be paid back.

7th December 2012 – Topped up previous loan – £50 – £348 Total – £465 to be paid back.

7th December 2012 – Topped up previous loan – £50 – £398 Total – £532 to be paid back.

8th December 2012 – Topped up previous loan – £121 – £519 Total – £685 to be paid back.

 

6th January 2013 – £50 NEW LOAN – £69 to be paid back.

11th January 2013 – Topped up previous loan – £120 – £170 Total – £219 to be paid back.

11th January 2013 – Topped up previous loan – £50 – £220 Total – £285 to be paid back.

11th January 2013 – Topped up previous loan – £50 – £270 Total – £352 to be paid back.

11th January 2013 – Topped up previous loan – £50 – £330 Total – £418 to be paid back.

11th January 2013 – Topped up previous loan – £50 – £380 Total – £485 to be paid back.

 

29th January 2013 – NEW LOAN £570 – £745 to be paid back.

 

31st January 2013 – Had to contact Wonga again to inform them of my financial problems, and needing to set up a repayment arrangement again.

 

In arrangement from 31st January – 4th June 2013.

 

10th June 2013 – I applied for a new loan, and Wonga again re borrowed to me. I find this very responsible, when I have been in to repayment arrangements previous to this now, along with a very worrying lending pattern.

 

10th June 2013 – NEW LOAN – £400 – £481 to be paid back.

12th June 2013 – NEW LOAN – £120 – £146 to be paid back

17th June 2013 – NEW LOAN £98 – £115 to be paid back

17th June 2013 – NEW LOAN – £110 – £145 to be paid back

17th June 2013 – NEW LOAN – £53 – £65 to be paid back

17th June 2013 – NEW LOAN – £61 – £75 to be paid back

 

28th June – I again had to email Wonga and inform them of my financial problems to set up once again, a third repayment arrangement.

 

I was in this arrangement from 28th June 2013 – 28th October 2013 paying £120 back each month.

 

1st July 2013 – I finished my arrangement in June, and again was allowed to re borrow from Wonga.

 

1st July 2013 – NEW LOAN – £449 – £595 to be paid back.

25th July 2013 – NEW LOAN £220 – £239 to be paid back.

14th August 2013 – NEW LOAN £552 – £646 to be paid back.

 

19th February 2014 – NEW LOAN £106 – £125 to be paid back.

February / March – A loan of around £1000 was taken out, I am unable to find confirmation of this in emails, but 30th March – £1353.40 was due in one single payment to which I had to change the promise to pay day on and extend from the end of February.

 

23rd March 2014- I AGAIN had to contact Wonga in regards to setting up ANOTHER repayment plan due to being in financial troubles – THIS IS MY FOURTH REPAYMENT ARRANGEMENT WITH WONGA IN TWO YEARS.

 

28th April 2014 – 28th January 2015 Arrangement – I was paying back £156 per month

 

27th September 2014 – I was emailed like many millions of others, to be told my most current and recent loan, was included in their affordability issues – No others! Just this one! And the remainder of my balance was wiped off, totaling 4 x £156 payments that i had left to make.

 

Again, after having 4 repayment arranges with Wonga – They allowed me to borrow again.

 

13th December 2014 – NEW LOAN £250 – £283 to be paid back.

15th December 2014 – NEW LOAN £100 – £114 to be paid back.

15th December 2014 – Top up of previous loan – £100 – Total to be paid back £437

28th December 2014 – NEW LOAN £250 – £312 to be paid back.

3rd January 2015 – Topped up previous loan – £100 – £120 to be paid back

3rd January 2015 – Topped up previous loan – £100 – £479 to be paid back.

4th January 2015 – Topped up previous loan – £94 – £591 to be paid back.

12th February 2015 – NEW LOAN £150 – £168 to be paid back.

17th February 2015 – NEW LOAN £100 – £108 to be paid back.

2nd March 2015 – NEW LOAN £350 – £420 to be paid back.

 

22nd March 2015 – Had to set up ANOTHER REPAYMENT ARRANGEMENT! This my 5th in total in the space of 2012 – 2015.

 

I finished paying off my loans on the 3rd July 2015.

 

 

 

 

Quick Quid – Is a very similar store to Wonga, including two repayment arrangements and with them being told i was in financial problems, and they re borrowed again.

 

I am very sad about it all, but I know you have all been in the same boat, and will not judge.

 

I appreciate anything you can help with.

 

It has only been a week, so I am sure it is a long road ahead, but out of curiousity, I do wonder if my story may have any hope.

 

Thanks so much, Lillyx

[dx100uk]

get lots of irresponsible lending claims running me thinks.

 

 

dx

[fkofilee]

Hi Lilly

 

Welcome to CAG. When I have time shortly, I will sit down and read everything.

Ill then advise accordingly.

[Lilly11]

Thank you

 

An update of what I have done so far.

 

Wonga - Emailed three times, one for statement of accounts, and two my complaint email, one including a full run down of everything borrowed and paid back - Received an acknowledgement and now waiting the 8 weeks.

 

Sunny - Emailed them, and have also received statement of accounts. They have acknowledged and now waiting the 8 weeks.

 

QuickQuick - Have emailed them three times, asking for statement of accounts which I have received, once my original complaints email, and again filling in their questionnaire that they sent, I also included in this email a full run down of everything borrowed and paid back that i got from my emails. Received acknowledgement and now waiting the 8 weeks.

 

My Jar - Have emailed twice, one for statement of accounts which I have not received, and again with my complaint email, listing the full run down of everything borrowed and paid back that i got from my emails. Have received acknowledgement, now waiting the 8 weeks.

 

247 MoneyBox - Emailed 2 times, one for statement of accounts which I have not received, again with my complaint email and also including a full run down of everything borrowed and paid back from emails. Have received nothing at all from them, but I never did as a customer via email either, their customer support is terrible. I shall keep waiting the 8 weeks and take it further after this.

 

WageDayAdvance - Have emailed twice, same as the above, and received an automatic email response, so will start waiting the 8 weeks.

 

PayDay UK - I have emailed for a statement of accounts, I received an acknowledgement email, but heard nothing back. I have now sent them my complaints email, and gone through my emails and listed and full run down on everything that I have. So will wait out the 8 weeks also.

 

 

I hope to be able to update with good news as I go along

[fkofilee]

Hi Lilly

 

Great to hear. There is a lot of potential claims for you to have but lets see.

If you have any issues, please let me know.

[Lilly11]

I have had my first success today.

 

I emailed My Jar on 27th APRIL with a complaints email in regards to getting refunded on the loans I had taken out AND I received an email today with an offer from them.

 

They found that 12 of my loans were given wrong, out of 32 and offered me £360.

 

I paid around £800 in interest on all loans that i took out. The first 15 loans were all £100 loans, which were affordable to me at the time, it was indeed only around the last 15 loans that weren't, so I am really happy with their offer.

 

Considering I last borrowed from them in 2014, I think they have been very fair.

 

Hopefully this is the start of good things

[fkofilee]

Congrats Lilly11. Please keep going.

Keep us posted.

[Lilly11]

Thank you

 

Just to add to even better news, the money is in my bank account already. A* given to My Jar.

[fkofilee]

**Cough**

 

Already???...

[Lilly11]

Yes!!

 

This was sent at 2:18pm Today - We are glad to hear that we have reached a mutually acceptable solution and therefore your complaint has been closed now. We can confirm that a refund of £364.47 was issued today, 6 May 2016, to the bank account which details you provided in your previous email. We would normally expect the funds to reach the provided bank account within 2 hours. We take all complaints very seriously and we are grateful to you for having taken the trouble to raise this matter with us. We will use the information you have provided to try and prevent similar issues arising in the future.

[fkofilee]

Well celebratory dinner haha...

Also please keep us posted?

 

Maybe make a small donation?