It took QQ and Wonga both a week to have back into me personally making use of their standard reaction. QQ just sent such a thing 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 standard concerns, that we reacted by giving absolutely absolutely nothing straight straight right 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 right straight right back. Having had 33 QQ loans between 2012 and 2015, around 10 wonga and 2 WDA, we invest a complete fortune on interest вЂ“ and solely because to settle the attention every month, I experienced to borrow once more from some other person. We additionally got myself into a scenario where i maxed out my overdraft AND credit card AND took away a loanвЂ¦.again, all because of the absurd interest repayments!
This amazing site happens to be therefore helpful! We used your template to ntact Wonga, not necessarily anticipating much success and 12 days later on (they replied after 2 months saying there is a wait) they offered me personally 1100 inc. interest. We have introduced it to your Ombudsman when I paid over 2500 in interest. They were told by me i was at financial trouble three times, they put up payment plans and froze interest yet ntinued to lend if you becausek me as quickly as the payment plan had been done. We had a need 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 that we rolled over 12 times (spending 1440 interest) ended up being affordable but are ready to provide me personally a 300 goodwill repayment (no interest) if I accept within 5 times. We had 2 other real time PDLs when We took this away and I also was at a payment plan with Wonga. Do I need to pursue using the Ombudsman? It had been only 1 loan but rolled over so often times, does that matter?
Many Many Thanks ahead of time for just about any assistance/advice you are able to share.
Hi simply shopping for some adviceвЂ¦. We took away 18 loans from Wonga in 9months between 2009 and July 2010 november. 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 along with fees and missed bills on a monthly basis! IвЂ™m finally out off most of use this link the financial obligation now and since wrote to Wonga they will have provided me 670 (which includes the 8% interest), personally i think it is maybe not enough and need to attend the ombudsman but IвЂ™m stressed that when it does not rule within my favor shall the offer of 670 maybe perhaps maybe not stay any longer. I do not wish to go directly to the ombudsman and free that money because 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.
I notice fast quid resolutions appear to be a hot subject, in order somebody who is achieving the end with this long procedure, We thought it may possibly be helpful to describe the timelines We have actually enuntered.
Week 1: plaint designed 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 IвЂ™d view as realistic Week 8: plaint provided for FOS Week 11: plaint assigned to adjudicator, information from me personally asked for (credit report) 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 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 made a decision to 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. 32: QQ transfer the funds week
As you can plainly see, total period = 7 or 8 months since beginning plaint.
This will be a really process that is lengthy and that 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 me personally to just accept certainly one of their provides. My plaint began to the finish of 2015 november. We suspect quality will longer take even now, nsidering just just how busy the FSO are, as well as the situations using longer become allotted to both Adjudicators and Ombudsmen.
Between ombudsman final decision and them providing 4 weeks for qq to pay for outвЂ¦..did you should do any chasing of qqвЂ¦..or did they simply spend at week 32 without having any 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 will provide me personally 200 pounds as being a gesture of вЂњgoodwillвЂќ.
I really believe, on the basis of the loans We took away, I am due around 4,000
I have simply delivered my details towards the ombudsman вЂ“ letвЂ™s wait and determine!
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 get on my old fast Quid acunt to have information on loans. I became greeted with an email telling me personally i have already been rejected for the loan at this juncture!! More to the point they immediately performed a Credit Re Re Search that has now shown through to my file. Therefore know about this whenever you are doing all of your diggingвЂ¦.
I happened to be wondering if anybody uld help me to down only a little? We borrowed over 12000 with QuickQuid making a plaint. they returned having a offer of around 500 which personally I think is way too little to just accept. We place this ahead into the Financial ombudsman that have looked at this further. In the middle of it all they recommended 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 this is certainly real? And is here any means surrounding this? The fast Quid debts had been all cleared before we went bankrupt.
Sara (Debt Camel) says
This will 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 that it’s useless for you yourself to you will need to obtain a refund if you should be of have now been bankrupt.
My plaint against QQ moved all of the real option to ombudsman degree in the FOS. The ombudsman upheld my plaint and consented aided by the adjudicators findings. Should reunite around 6,800 using the 8% interest added. QQ are offered a 15 Sept due date to answer the ombudsmanвЂ™s choice. QQ string every thing out so long as feasible so all be equipped for a long procedure. CanвЂ™t thank you all sufficient and Sara specifically for all the help and advice from the pages therefore the ments area.
Hi Ben news that is good your situation, uld we ask just how long for the ombudsman to determine once it absolutely was handed down through the adjudicator? IвЂ™m waiting for the ombudsman during the brief minute to consider my instance
When the adjudicator passed the truth to an ombudsman it took three days to have a initial choice through. The ombudsman then provided business four weeks to answer the decision that is preliminary. In my own case QQ have a 15 Sept due date to answer the initial choice. IвЂ™ll upgrade this post once I have anymore home elevators my instance.