It took QQ and Wonga both a week to obtain returning to me personally making use of their standard reaction. QQ just sent such a thing right right back because we phoned them up and asked whether or not they had gotten my plaint after per week (having heard absolutely nothing I became concerned that they had “lost” it or it had “gone missing”). They asked the four standard concerns, that we reacted by delivering absolutely absolutely absolutely nothing right straight straight back.

We emailed both again(assuming they will read it on Monday which will be 3 weeks) to ask for a progress update (I am so impatient but thought it worth chasing to see if that meant a quicker resolution) today.

Dreaming about an amount that is decent of straight back. Having had 33 QQ loans between 2012 and 2015, around 10 wonga and 2 WDA, we invest a fortune that is absolute interest – and purely because to settle the attention every month, I’d to borrow once again from some other person. In addition got myself into a scenario where i maxed out my credit and overdraft card AND took down a loan….again, all due to the absurd interest repayments!

This amazing site happens to be therefore helpful! We utilized your template to ntact Wonga, certainly not anticipating much success and 12 months later on (they responded after 2 months saying there is a wait) they offered me 1100 inc. interest. We have introduced it to your Ombudsman when I paid over 2500 in interest. We told them We was at economic difficulty three times, they put up payment plans and froze interest yet ntinued to lend in my experience as quickly while the payment plan had been done. We necessary to borrow once more to settle other loan providers. Fingertips crossed the Ombudsman know!

Today we ntacted another 5 loan providers. Mr Lender responded within an hour or so! They stated my 400 loan if I accept within 5 days that I rolled over 12 times (paying 1440 interest) was affordable but are willing to give me a 300 goodwill payment (no interest. We had 2 other real time PDLs when We took this out and I also was at a payment plan with Wonga. Do I need to pursue with all the Ombudsman? It had been only 1 loan but rolled over so times that are many does that matter?

Many Thanks ahead of time for almost any assistance/advice you are able to share.

Hi simply in search of some advice…. We took away 18 loans from Wonga in 9months between November 2009 and July 2010. The attention we paid as a whole ended up being over 1200. I happened to be on Ine help in the some time just 19 (the way I got accepted had been beyond me personally). I happened to be overdrawn by my bank by 1900 (arranged) at that time along with costs and missed bills on a monthly basis! I’m finally out off all the financial obligation now and since wrote to Wonga they’ve provided me personally 670 (that features the 8% interest), personally i think it is maybe maybe not enough and want to visit the ombudsman but I’m worried that when it does not rule in my own favor shall the offer of 670 maybe maybe not stay any longer. We do not desire to go right to the ombudsman and free that cash since it is nevertheless a complete great deal of income I’m just hoping that I’m eligible for more. Someone else held it’s place in this example.

We notice fast quid resolutions be seemingly a topic that is hot in order a person who is achieving the end with this long procedure, I was thinking it might be useful to describe the timelines We have actually enuntered.

Week 1: plaint designed to QQ Week 3: Low offer from QQ Week 8: regarding the last day’s 8 week duration, last response offering approx 10% of the settlement figure I’d view as realistic Week 8: plaint provided for FOS Week 11: plaint assigned to adjudicator, information from me personally asked for (credit history) Week 15: Quick quid make an offer via FOS for a small number of loans, enhancing the figure to approx 30% of practical settlement. What this means is a delay in FOS procedures for just two months, because of an offer being made. Week 20: Fairly long wait, with very little information. QQ as an example they would not react to needs from Adjudactor. My adjudicator reached a determination during my favor. 21: QQ ntest the decision so it needs to go to Ombudsman Week 24: Case allocated to Ombudsman Week 29: Decision from Ombudsman in my favour, which was actually more than the Adjudicator had proposed week. There have been delays in this being carried out, since throughout the duration, QQ made a decision to raise the offer with an amount that is modest which resets the clock just a little. 30: QQ given 4 weeks to calculate the settlement, remove from credit file and transfer my settlement week. 32: QQ transfer the funds week

As you can plainly see, total length = 7 or 8 months since starting plaint.

It is a really long procedure, which means you need certainly to maintain your morale up. used to do feel that perhaps QQ attempted to stall the speed of the, in an attempt to enurage us to simply accept certainly one of their provides. My plaint began towards the finish of 2015 november. We suspect quality will simply take also longer now, nsidering exactly just just how busy the FSO are, as well as the instances using longer become assigned to both Adjudicators and Ombudsmen.

Between ombudsman final decision and them providing four weeks for qq to cover out…..did you need to do any chasing of qq…..or did they simply spend at week 32 without having any further hassle? Or did they ntact you?

Hi all its. ing up to my 2 months on for quick quid to reply I noticed today that my loan history has vanished !! I have mailed them asking why my history has been deleted doubt I will get a reply !! Anyone else had this happen and are there any nsequences to this monday ?

4 times in short supply of my 2 months, i obtained a reply from QQ saying they will provide me personally 200 pounds as being a gesture of “goodwill”.

I really believe, in line with the loans We took down, We am due around 4,000

I’ve simply delivered my details into the ombudsman – let’s wait and determine!

This website is great! A week ago we began the entire process of plaining about unaffordable loans with 8 payday lenders between 2010-2013, including QQ. FYI I tried to log on to my old fast Quid acunt to get information on loans. I became greeted with a note telling me personally i’ve been refused for the loan at this juncture!! moreover they immediately completed a Credit Re Re Search which includes now shown through to my file. Therefore be familiar with this if you’re doing all of your digging….

I became wondering if anybody uld assist me personally down only a little? We borrowed over 12000 with QuickQuid making a plaint. they came ultimately back by having a offer of around 500 which personally I think is way too tiny to just accept. We place this ahead to your Financial ombudsman that have looked at this further. In the middle of all of it they suggested me that me would not e to myself directly and is likely to be paid to my trustee because I went bankrupt in April this year due to financial restraints the monies owed to.

Dones anyone understand if that is real? And it is here any real method for this? The fast Quid debts had been all cleared before we went bankrupt.

Sara (Debt Camel) says

That is rrect. Sorry, the primary cash advance refund article (s:debtcamel../payday-loan-refunds/) and pay day loan FAQs (s:debtcamel../payday-refunds-faqs/) both make it clear it is useless so that you can attempt to get yourself a reimbursement if you should be of have now been bankrupt.

My plaint against QQ has gone all of the real option to ombudsman degree in the FOS. The ombudsman upheld my plaint and consented utilizing the adjudicators cash-central.com/payday-loans-ct/ findings. Should return around 6,800 utilizing the 8% interest added. QQ were offered a 15 Sept due date to answer the ombudsman’s choice. QQ string every thing out so long as feasible so all be equipped for a process that is lengthy. Can’t thank you all sufficient and Sara particularly for all the help and advice from the pages as well as the ments area.

Hi Ben very good news about your instance, uld we ask just how long when it comes to ombudsman to choose once it absolutely was handed down through the adjudicator? I’m waiting when it comes to ombudsman during the brief minute to check out my situation

When the adjudicator passed the scenario to an ombudsman it took three months to have a initial choice through. The ombudsman then offered the business enterprise a thirty days to answer the initial choice. During my case QQ have a 15 Sept due date to react to the initial choice. I’ll upgrade this post once i’ve anymore informative data on my situation.