It took QQ and Wonga both a to get back to me with their standard response week. QQ just sent any such thing straight right right back whether they had received my plaint after a week (having heard nothing I was worried they had вЂњlostвЂќ it or it had вЂњgone missingвЂќ) because I phoned them up and asked. They asked the four questions that are standard that I reacted by giving nothing right straight straight back.
Longing for an payday loans California amount that is decent of straight right back. Having had 33 QQ loans between 2012 and 2015, around 10 wonga and 2 WDA, we invest a total fortune on interest вЂ“ and solely because to repay the attention every month, I experienced to borrow once more from another person. We additionally got myself into a predicament where i maxed out my credit and overdraft card AND took away a loanвЂ¦.again, all due to the interest that is ridiculous!
This site happens to be therefore helpful! We utilized your template to ntact Wonga, certainly not anticipating much success and 12 days later on (they responded after 2 months saying there is a wait) they offered me personally 1100 inc. interest. It has been referred by me towards the Ombudsman when I paid over 2500 in interest. We told them We was at monetary difficulty three times, they put up payment plans and froze interest yet ntinued to lend in my experience as quickly since the payment plan ended up being done. We had a need to borrow once again 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 away and I also was at a payment plan with Wonga. Can I pursue with all the Ombudsman? It had been only 1 loan but rolled over so often times, does that matter?
Hi simply looking some adviceвЂ¦. We took away 18 loans from Wonga in 9months between November 2009 and July 2010. The attention we paid in total 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 and had costs and missed bills on a monthly basis! IвЂ™m finally out off most of the debt now and since wrote to Wonga they will have provided me personally 670 (that features the 8% interest), personally i think it is maybe maybe maybe not enough and desire to visit the ombudsman but IвЂ™m worried that when it does not rule in my own favor will the offer of 670 perhaps maybe perhaps not stay any longer. We do not wish to go right to the ombudsman and free that cash since it is nevertheless a complete great deal of cash IвЂ™m just hoping that IвЂ™m eligible for more. Other people held it’s place in this case.
We notice fast quid resolutions be seemingly a hot subject, in order somebody who is achieving the end with this long procedure, I was thinking it might be beneficial to describe the timelines We have actually enuntered.
Week 1: plaint designed to QQ Week 3: Low provide from QQ Week 8: From the last day’s 8 week duration, last response offering approx 10% of a settlement figure IвЂ™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, increasing the figure to approx 30% of practical settlement. What this means is a delay in FOS procedures for just two days, as a result of an offer being made. Week 20: Fairly long wait, without much information. QQ as an example they would not react to demands from Adjudactor. My adjudicator reached a choice in my own 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 done, since throughout the duration, QQ thought we would raise the offer by way of a modest quantity, 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 beginning plaint.
That is an extremely long procedure, so that you have to maintain your morale up. used to do feel that perhaps QQ attempted to stall the rate of the, to try to enurage me personally to just accept certainly one of their provides. My plaint began to the conclusion of November 2015. We suspect quality will just take also longer now, nsidering exactly exactly just just how busy the FSO are, therefore the situations using longer become allotted to both Adjudicators and Ombudsmen.
Between ombudsman final decision and them providing four weeks for qq to cover outвЂ¦..did you should do any chasing of qqвЂ¦..or did they simply spend at week 32 without the hassle that is further? Or did they ntact you?
Hi all its. ing up to my 2 months on Monday for fast quid to reply we noticed today that my loan history has vanished !! i’ve mailed them asking why my history happens to be deleted question i shall get an answer !! someone else had this happen and are usually there any nsequences for this ?
4 times in short supply of my 2 months, i acquired a reply from QQ saying they will provide me personally 200 pounds as being a gesture of вЂњgoodwillвЂќ.
In my opinion, in line with the loans We took away, We am due around 4,000
I’ve simply delivered my details to your ombudsman вЂ“ letвЂ™s wait and discover!
This web site is great! The other day 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 acquire information on loans. I happened to be greeted with a note telling me personally i’ve been refused for the loan at this juncture!! moreover they immediately performed a Credit Re Search that has now shown through to my file. Therefore know about this when you’re doing all of your diggingвЂ¦.
I became wondering if anyone uld assist me down just a little? I borrowed over 12000 with QuickQuid making a plaint. they came ultimately back having a offer of approximately 500 which personally I think is way too little to just accept. We place this ahead towards the Financial ombudsman who possess looked at this further. In the middle of all of it they suggested me personally 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 it is real? And it is here any real method surrounding this? The fast Quid debts ended up being all cleared before we went bankrupt.
Sara (Debt Camel) says
This is certainly rrect. Sorry, the primary cash advance reimbursement article (s:debtcamel../payday-loan-refunds/) and pay day loan FAQs (s:debtcamel../payday-refunds-faqs/) both make it clear for you to try to get a refund if you are of have been bankrupt that it is pointless.
My plaint against QQ went most of the real solution to ombudsman degree in the FOS. The ombudsman upheld my plaint and consented with all the adjudicators findings. Should reunite around 6,800 because of the 8% interest added. QQ have already been provided a 15 Sept due date to answer the ombudsmanвЂ™s choice. QQ string every thing out provided that feasible so all be equipped for a long procedure. CanвЂ™t thank you all sufficient and Sara particularly for all of the advice which help from all of these pages additionally the ments part.
Hi Ben very good news about your situation, uld we ask just how long for the ombudsman to choose once it absolutely was handed down through the adjudicator? IвЂ™m waiting when it comes to ombudsman in the brief minute to check out my instance
After the adjudicator passed the outcome to an ombudsman it took three months to obtain a decision that is preliminary. The ombudsman then provided the business enterprise 30 days to answer the initial choice. Within my case QQ have a 15 Sept due date to answer the initial choice. IвЂ™ll upgrade this post once i’ve anymore facts about my instance.