PDL Reclaim

[theonlywayisup90]

Good afternoon,

 

I was hoping someone would be able to help me with regards to a possible irresponsible lending claim?

 

So I got in a bit of a pickle around November 2013, and started getting PDL's with wonga; fell into the "payday loan trap", and finally managed to get out of it about a year ago- I have not had a payday loan since Apr/May 2017 I do believe. My credit file is shot though.

 

I was just wondering the best way to go about this? Am I ok to email the companies asking for details of all the loans i have had with them? As between November 13- February 14 it looks like I had 13 Loans with Wonga alone.

 

This continued, and I eventually used Quick Quid too, Wageday Advance, Mr Lender, My Jar, Satsuma, and Lending Stream; together with an "Overdraft" from Safety Net Credit. Not good

 

Any advice would be greatly appreciated.

 

Thanks

[fkofilee]

Hi TOWIU90

 

Welcome to CAG.

 

I am our Resident PDL Specialist and have helped with quite a few reclaims.

First off youve come to the right place.

 

I have prepared a guide for you to go through with your reclaim.

If you have any questions please dont hesitate to ask.

 

https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=72177&

[honeybee13]

Hi.

 

I can't post a link from my phone but CAG has an irresponsible lending guide. Look in the sticky threads in the PDL forum.

 

HB

[fkofilee]

Also to add - I would suggest you put a spreadsheet together and tally up per company

 

- Loan Date

- Loan Amount

- Amount Paid Back

 

Put it up here when done and ill come back to you - I can help tailor some of your responses to get the best out of your situation.

[theonlywayisup90]

Hello

 

Thanks for the link, the guide is very helpful!

 

With regard to starting the process, am I ok to email the lenders and ask for a statement of loans? Without mentioning that I am complaining? Then once I have received the information required, I should then raise a complaint?

 

Thanks

[fkofilee]

Yes its perfectly fine to do that

Ive amended the title of your thread too...

 

Please keep me posted on this

[dx100uk]

Why not send an sar to each now its free??

You could find info in the accounts comms log that would make an IRL claim a slam dunk win!!

[theonlywayisup90]

Hello

 

Can I send them a SAR via email?

[fkofilee]

Yes - Now that it is free you can do so... Have a read of the GDPR section of the guide...

[dx100uk]

Yes you can now as there is no payment required

But get a read receipt mind