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    • They can’t make you attend an interview, but can make inferences from your failure to attend, and it might help them chose between an administrative settlement and a prosecution.   If you chose not to attend / attend and not answer, expect to be warned “it may harm your defence if you fail to mention something that you later rely on at court”.
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    • Hi, Thanks for replying!  It was a paper ticket, I was asked to sign it before they let me go.  Is the interview compulsory, I am worried I would slip up during it and leave myself in more trouble then I already am. Thanks, S
    • Hi Surfwalkersteve,   It's likely they will invite you in for a further interview to establish any other facts about your journey history. As it stands you just need to await their correspondence as has been advised already. I assume they have the ticket in their procession as evidence? I've skimmed through this thread but get the impression its a paper ticket rather than an oyster/smart card type? They will be able to find out which barriers the ticket has been through, as any ticket office can perform this check.   Regarding the fine; If it goes to court, the maximum fine is £1,000 (plus costs etc.), however, this is unlikely as all fines are means tested and unless you're either very wealthy and/or very persistent, you'll usually be fined a lot less.
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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?


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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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