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andygeo

irresponsible lending claim for old payday loans

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Dear Forum Members,

 

I used to be in a mess getting by on PD loans and had up to three concurrent ones

Thankfully with the help of family members I managed to pay them off. At least I now pay off my debts with no interest ...

 

I recently found out out about your website and decided to make a claim for irresponsible lending. Both QQ and Wonga rejected by claim so I went to the ombudsman.

 

As some of my loans were more than six years old, QQ replied that they will not deal with them.

 

The ombudsman has offered me two options: Continue claiming for all loans which will take more time and may fail or progress only with the loans I took within the last 6 years.

 

So my question is if its worth pursuing the old loans? Do I have any chances of success? Or should I pursue the rest of them and get what i can ?

 

Any advice would be appreciated.

 

Andy G

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Do both

Yes weve seen IRL claims outside 6yrs..

Did they get rolled too and fall within 6 yrs then as 1 refinance d the other?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thanks for your reply.

 

The reply I got from the ombudsman asks me to chose one way to proceed so I don;t see how I can dp both.

 

I had constant PD loans for 2.5 years but not with the same company every month.

Most of them were with QQ and Wonga - sometimes consecutive months, sometimes with 2-3 months gap.

 

I took the loans between 2010 and 2012, most of them are older than 6 years to be honest.

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Ombs or adjudicator?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Using the Ombudsman

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Someone signed the letter

Have they signed it as as an adjudicator?

I bet so as youve not escalated this..

I.e this is the 1st reply..

 

You need to read the guide

 

Scan it up to one pdf read upload


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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