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It took QQ and Wonga both a to get back to me with their standard response week. QQ only sent any such thing straight straight straight back because we phoned them up and asked if they had gotten my plaint after per week (having heard absolutely nothing I happened to be concerned that they had “lost” it or it had “gone missing”). They asked the four questions that are standard that we reacted by giving absolutely absolutely absolutely absolutely nothing straight straight 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.
Longing for a decent sum of money 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 – and solely 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 overdraft AND credit card AND took away a loan….again, all due to the interest that is ridiculous!
This amazing site happens to be therefore helpful! We utilized your template to ntact Wonga, certainly not expecting much success and 12 days later on (they responded after 2 months saying there is a wait) they offered me personally 1100 inc. interest. We have introduced it towards the Ombudsman when I paid over 2500 in interest. We told them We was at economic trouble three times, they put up payment plans and froze interest yet ntinued to lend in my experience as quickly once the payment plan had been done. We had a need to borrow once more to settle other loan providers. Fingertips crossed the Ombudsman know!
I ntacted another 5 lenders today. Mr Lender responded within one hour! They stated my 400 loan that we rolled over 12 times (spending 1440 interest) ended up being affordable but they are ready to provide me personally a 300 goodwill payment (no interest) if we accept within 5 times. I experienced 2 other PDLs that are live We took this away and I also was at a payment plan with Wonga. Can I pursue using the Ombudsman? It had been just one loan but rolled over so often times, does that matter?
Many Many Many Thanks ahead of time for just about any assistance/advice you are able to share.
Hi simply trying to find some advice…. We took down 18 loans from Wonga in 9months between November 2009 and July 2010. The interest we paid as a whole ended up being over 1200. I happened to be on Ine help during 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) during the time together with costs and missed bills on a monthly basis! I’m finally out off most of the financial obligation now and since wrote to Wonga they usually have provided me personally 670 (that features the 8% interest), personally i think it is maybe maybe not enough and need to attend the ombudsman but I’m stressed that when it does not rule within my favor will the offer of 670 perhaps perhaps perhaps not stay any longer. We do not wish to go right to the ombudsman and free that money since it is nevertheless great deal of income I’m just hoping that I’m eligible for more. Someone else experienced this case.
We notice fast quid resolutions be seemingly a hot subject, in order an individual who is attaining the end of the long procedure, I thought it could be beneficial to describe the timelines We have enuntered.
Week 1: plaint built to QQ Week 3: Low provide from QQ Week 8: in the last day’s 8 week duration, last response offering approx 10% of a settlement figure I’d view as realistic Week 8: plaint provided for FOS Week 11: plaint allotted to adjudicator, information from me personally asked for (credit history) Week 15: Quick quid make an offer via FOS for a number of loans, enhancing 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 delay, without much information. QQ as an example they failed to react to demands from Adjudactor. My adjudicator reached a determination 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, because throughout the duration, QQ thought we would boost the offer by 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. Week 32: QQ transfer the funds
As you can plainly see, total period = 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, in an attempt to enurage us to simply accept certainly one of their payday loans MI provides. My plaint began towards the conclusion of 2015 november. We suspect quality will longer take even now, nsidering just just exactly how busy the FSO are, therefore the instances using longer become allotted to both Adjudicators and Ombudsmen.
Between ombudsman final decision and them providing four weeks for qq to cover out…..did you should do any chasing of qq…..or did they simply spend at week 32 with no hassle that is further? 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 acquired a reply from QQ saying they shall provide me personally 200 pounds as a gesture of “goodwill”.
I think, on the basis of the loans We took down, We am due around 4,000
I’ve simply delivered my details into the ombudsman – let’s wait and discover!
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 get on my old fast Quid acunt to acquire information on loans. I happened to be greeted with an email telling me i have already been rejected for a financial loan at this juncture!! More to the point they immediately performed a Credit Re Search which includes now shown through to my file. Therefore be familiar with this if you are doing all your digging….
I happened to be wondering if anybody uld assist me personally down just 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 little to just accept. I place this ahead to your Financial ombudsman who possess looked at this further. In the middle of all of it they suggested me that because We went bankrupt in April this current year because of monetary restraints the monies owed to me will never e to myself straight and it is apt to be compensated to my trustee.
Dones anyone understand if this can be real? And is here any real method surrounding this? The fast Quid debts ended up being all cleared before I went bankrupt.
Sara (Financial Obligation Camel) says
This might be rrect. Sorry, the primary cash advance reimbursement article (s:debtcamel../payday-loan-refunds/) and cash advance 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 moved most of the real solution to ombudsman level during the FOS. The ombudsman upheld my plaint and consented using the adjudicators findings. Should return around 6,800 because of the 8% interest added. QQ are offered a 15 Sept due date to answer the ombudsman’s choice. QQ string every thing out provided that feasible so all be equipped for a long procedure. Can’t thank you all sufficient and Sara particularly for most of the advice which help from the pages while the ments part.
Hi Ben very good news about your instance, uld we ask just how long when it comes to ombudsman to determine once it absolutely was handed down through the adjudicator? I’m waiting when it comes to ombudsman in the brief minute to consider my situation
When the adjudicator passed the scenario to an ombudsman it took three days to have a decision that is preliminary. The ombudsman then offered the company a thirty days to answer the decision that is preliminary. In my own case QQ have a 15 Sept due date to answer the initial choice. I’ll upgrade this post once i’ve anymore home elevators my situation.