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  • FIRST POST
    • woody53
    • By woody53 17th Jul 15, 9:32 PM
    • 27Posts
    • 64Thanks
    woody53
    Reclaiming money back from various payday loan companies
    • #1
    • 17th Jul 15, 9:32 PM
    Reclaiming money back from various payday loan companies 17th Jul 15 at 9:32 PM
    Hi all just wanted to share some good news regarding payday loan companies.....
    From early 2011 until mid 2014 I too was caught in the payday loan trap, all my own fault may I add, I borrow the money and in the end paid every penny back, would estimate 15000 over the years maybe 20.
    Early this year I saw all the news regarding payday loan companies and irresponsible lending, unfair interest etc etc etc, so I decided to have ago and try and get a few quid back myself.
    So far I have been in contact with 5 of the companies I was lending multiple loans from at the same time with many roll overs too, I have received 4 apologies and offers totalling over 5000 and the other complaint is now with the ombudsman.
    I never expected these amounts back but if you too were in the same situation, get all your facts in order and get complaining, from the initial email sent I had the money back within 8 weeks.
Page 106
    • Delete33
    • By Delete33 7th Oct 16, 4:08 PM
    • 792 Posts
    • 464 Thanks
    Delete33
    Hi tonymcp86, are the pay day loans over six years old ?
    • tonymcp86
    • By tonymcp86 7th Oct 16, 4:13 PM
    • 32 Posts
    • 17 Thanks
    tonymcp86
    No majority from 2014, 2013, 2012. Mostly with Wonga.
    Theres likely a couple from 2010/2009 that i haven't got back as far, as i'm sure i had ones with other companies and can't remember the company names etc.
    • Delete33
    • By Delete33 7th Oct 16, 4:23 PM
    • 792 Posts
    • 464 Thanks
    Delete33
    Then I would get an Experian on line credit report for £2 tonymcp86.
    • tonymcp86
    • By tonymcp86 7th Oct 16, 4:27 PM
    • 32 Posts
    • 17 Thanks
    tonymcp86
    I have the experian online credit report (free trial) and not on there??
    • Delete33
    • By Delete33 7th Oct 16, 4:30 PM
    • 792 Posts
    • 464 Thanks
    Delete33
    Mmmm have you been paid compensation by Wonga before? they did pay customers in 2014?
    • tonymcp86
    • By tonymcp86 7th Oct 16, 4:30 PM
    • 32 Posts
    • 17 Thanks
    tonymcp86
    No had nothing off of them in the past.
    • Delete33
    • By Delete33 7th Oct 16, 4:40 PM
    • 792 Posts
    • 464 Thanks
    Delete33
    Ok tonymcp86, You will have to use your bank statements then. Hope your Mathematics is good.
    • Welshie28
    • By Welshie28 7th Oct 16, 5:01 PM
    • 73 Posts
    • 70 Thanks
    Welshie28
    Another successful claim today with Sunny.. £673 which is way more than I expected! Over the moon ☺ does anyone know the email address I'd need to chase up my confirmation of redress from Sunny? Many thanks.
    • Delete33
    • By Delete33 7th Oct 16, 5:05 PM
    • 792 Posts
    • 464 Thanks
    Delete33
    Brilliant news Welshie, keep it up!!!!!!!!
    • Welshie28
    • By Welshie28 7th Oct 16, 5:07 PM
    • 73 Posts
    • 70 Thanks
    Welshie28
    Success for me today! Without going to the Fos Sunny upheld my complaint in full and say they are refunding all the interest, charges and statutory interest (nearly £400 total), and removal of the credit footprint. Seriously chuffed. 1 down, 6 to go!
    Originally posted by ooitsme
    Hi, I've also had my complaint success with Sunny today. I'm now waiting for an email from them to confirm my award, have you received your email yet? Congratulations on your award
    • Delete33
    • By Delete33 7th Oct 16, 5:09 PM
    • 792 Posts
    • 464 Thanks
    Delete33
    Hi Welshie, try compliance@elevate.co.uk
    • ooitsme
    • By ooitsme 7th Oct 16, 6:30 PM
    • 48 Posts
    • 235 Thanks
    ooitsme
    Hi, I've also had my complaint success with Sunny today. I'm now waiting for an email from them to confirm my award, have you received your email yet? Congratulations on your award
    Originally posted by Welshie28
    They just asked me to confirm bank details via email and said payment will be within 5 days (all in one email, they have t replied to my sending bank details).

    Congratulations!!
    Last edited by ooitsme; 08-10-2016 at 9:19 AM. Reason: Sp
    DFW Progress 01/09/2016

    CC1 - £100/£1500
    CC2 - £750
    Student loan - £3350
    • ooitsme
    • By ooitsme 7th Oct 16, 6:34 PM
    • 48 Posts
    • 235 Thanks
    ooitsme
    So today, approximately 8 weeks after asking, I have received my Soa from wonga. However I had already bypassed that and gone to FSA. Then they immediately followed it up with a "we are very careful you know" type email. I suspect they've heard from the adjudicator! (Adjudicator emailed my today to say they'd been in touch with them)!
    DFW Progress 01/09/2016

    CC1 - £100/£1500
    CC2 - £750
    Student loan - £3350
    • James3891
    • By James3891 7th Oct 16, 7:25 PM
    • 54 Posts
    • 21 Thanks
    James3891
    Money Shop written to say 8 weeks is up and they haven't finished investigations yet.So off to the FOS.
    As they won't release details of paid up loans to my SAR how do i go about explaining what action i want taken.
    I have 18 months worth of most recent loan info and previous 4.5 years would be a very similar month to month borrowing pattern .
    Will they only go back to 6 years?
    Was going to ask for default balance from last loan to be cleared and credit footprint removed.Also for any further interest and charges from all loans found to be irresponsibly lent/unaffordable to be refunded on top of the 18 months worth i can give a figure for.
    Will that be acceptable do you think?. Thanks for any help/advice.
    • Guiseppy
    • By Guiseppy 8th Oct 16, 10:15 PM
    • 3 Posts
    • 3 Thanks
    Guiseppy
    I need some advice!!
    • Delete33
    • By Delete33 8th Oct 16, 10:22 PM
    • 792 Posts
    • 464 Thanks
    Delete33
    Read MSE and DebtCamel posts on their websites to gain all the information you will need to put in a complaint against PDL Guiseppy
    • sourcrates
    • By sourcrates 8th Oct 16, 11:56 PM
    • 8,370 Posts
    • 8,204 Thanks
    sourcrates
    I need some advice!!
    Originally posted by Guiseppy
    What do you need to know chap ???

    For free debt advice please call National Debtline on
    0808 808 4000
    Monday to Friday
    9am to 9pm
    Saturday 9.30am to 1pm
    • Guiseppy
    • By Guiseppy 9th Oct 16, 5:13 PM
    • 3 Posts
    • 3 Thanks
    Guiseppy
    I can't post the letter on here that I received from Payday Express, it won't let me.
    • Guiseppy
    • By Guiseppy 9th Oct 16, 5:50 PM
    • 3 Posts
    • 3 Thanks
    Guiseppy
    I can't post the letter on here.
    • Delete33
    • By Delete33 9th Oct 16, 5:56 PM
    • 792 Posts
    • 464 Thanks
    Delete33
    Have you made a complaint regarding loans with Payday Express Guiseppy???
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