Quick Quid

nobodyknowswho

Not sure if this is the right thread but here it goes.
I spiralled into debt a while a go and now I have a DMP with Stepchange - best thing I ever did.
I've been reading on here about payday loan and interest that can be claimed back if the loans were irresponsibly lent. I had the loans below with Quickquid which I think clearly shows I couldn't afford the loans as I was getting loans out every months. Does anyone think I have a chance to claim any of it back?
Loan ID Application Date Funding Date Repayment Date Loan Amount Fee Discount Amount Late Fees
8674291 23/04/2014 30/04/2014 30/05/2014 £600 £150
8637242 11/04/2014 11/04/2014 30/04/2014 £600 £150 £45 £12
8589455 29/03/2014 29/04/2014 11/04/2014 £450 £112.50
8499759 04/03/2014 04/03/2014 28/03/2014 £600 £150 £45
8419000 12/02/2014 12/02/2014 28/02/2014 £600 £150 £37.50
8386815 03/02/2014 03/02/2014 12/02/2014 £400 £100
8332539 23/01/2014 23/01/2014 31/01/2014 £400 £100 £25
8301382 14/01/2014 14/01/2014 23/01/2014 £275 £68.75 £17.19
8292969 12/01/2014 12/01/2014 14/01/2014 £200 £50
8173726 15/12/2013 15/12/2013 23/12/2013 £250 £62.50 £15.63
8164931 13/12/2013 13/12/2013 15/12/2013 £200 £50
8121382 03/12/2013 03/12/2013 13/12/2013 £100 £25
7942152 25/10/2013 31/10/2013 29/11/2013 £400 £100 £30
7774891 24/09/2013 30/09/2013 31/10/2013 £400 £100 £25
7608948 22/08/2013 30/08/2013 30/09/2013 £400 £100 £20
7583314 17/08/2013 17/08/2013 30/08/2013 £450 £112.50 £33.75
7579903 16/08/2013 16/08/2013 17/08/2013 £400 £100
7488522 31/07/2013 31/07/2013 16/08/2013 £350 £87.50
7204817 19/06/2013 28/06/2013 31/07/2013 £525 £131.25 £39.38
7159502 12/06/2013 12/06/2013 28/06/2013 £525 £131.25 £32.81
7148061 10/06/2013 10/06/2013 12/06/2013 £500 £125
7105780 04/06/2013 04/06/2013 10/06/2013 £450 £112.50
7100431 03/06/2013 03/06/2013 04/06/2013 £425 £106.25
6975147 19/05/2013 31/05/2013 03/06/2013 £375 £93.75
6975140 19/05/2013 19/05/2013 31/05/2013 £375 £93.75 £23.44
6953547 15/05/2013 15/05/2013 19/05/2013 £275 £68.75 £17.19
6945253 14/05/2013 14/05/2013 15/05/2013 £250 £62.50 £15.63
6915374 09/05/2013 09/05/2013 14/05/2013 £150 £37.50 £9.38
6881687 03/05/2013 03/05/2013 09/05/2013 £100 £25 £6.25
6708417 11/04/2013 11/04/2013 30/04/2013 £300 £75 £18.75 £12
6681915 06/04/2013 06/04/2013 11/04/2013 £250 £62.50
6658142 03/04/2013 03/04/2013 06/04/2013 £50 £12.50
6488019 11/03/2013 11/03/2013 28/03/2013 £150 £37.50 £9.38
6482562 10/03/2013 10/03/2013 11/03/2013 £50 £12.50 £3.13
6230385 02/02/2013 02/02/2013 28/02/2013 £450 £112.50 £28.13
5695005 21/11/2012 30/11/2012 28/12/2012 £600 £150 £37.50
5604159 06/11/2012 06/11/2012 30/11/2012 £600 £150 £45
5595064 04/11/2012 04/11/2012 06/11/2012 £200 £50 £15
5367416 29/09/2012 29/09/2012 31/10/2012 £600 £150 £37.50
5256186 13/09/2012 13/09/2012 28/09/2012 £200 £50 £15
3788048 24/01/2012 31/01/2012 29/02/2012 £450 £112.50
3625709 27/12/2011 30/12/2011 31/01/2012 £600 £150 £37.50
3415718 24/11/2011 30/11/2011 30/12/2011 £600 £150 £37.50
3272781 31/10/2011 31/10/2011 30/11/2011 £600 £150 £37.50
3129608 07/10/2011 07/10/2011 31/10/2011 £600 £150 £37.50 £12.00
2747774 02/08/2011 02/08/2011 31/08/2011 £50 £12.50
1501988 09/10/2010 11/10/2010 29/10/2010 £50 £12.50 £1.25
1360233 25/08/2010 25/08/2010 30/09/2010 £100 £25 £2.50
1221531 08/07/2010 08/07/2010 30/07/2010 £250 £62.50 £6.25

sourcrates

Wow !!

That's a lot of loans.

Where they all paid back without any problems ?

Usually the criteria the FOS look at is if you were borrowing on a regular basis, you where rolling over loans on more than one occasion, you had problems repaying one loan, yet were leant to again soon after.

If any of that applies to you, you have a good chance of a rebate of interest plus any charges, you should also ask for statutory interest to be added @ 8%.

Full reclaiming guide here :

http://debtcamel.co.uk/payday-loan-refunds/

Don't be surprised if your complaint is rejected, the payday loan companies are inundated with complaints just now, most end up going to the FOS.

nobodyknowswho

Three loans were paid back late then they let me take out another loan with in a couple of days or the same day
Whats the FOS?

sourcrates

nobodyknowswho wrote: »

Whats the FOS?

Financial ombudsman service :http://www.financial-ombudsman.org.uk

Quick quid have 8 weeks in which to provide you with a final responce to any complaint you make to them, if you are not happy with the outcome of your complaint, then you have a maximum of 6 months in which to pass your complaint to the FOS, who will determine your case on the basis of fairness, the FOS are the financial services complaints resouloution service, and are free to use, if you accept there assessment of your case, then the result is binding on both you, and the Buisness.

sarahb7538

nobodyknow, i have a very very similar history with QQ. Nearly 40 loans in total. Lots of rolling over, extending. Borrowing again the same day i paid another back. I was in a right mess. Between QQ and Wonga. I have added it all up and sent off a complaint today. You can try, that is all you can do, the debt spiral of PDL's is a very hard lesson to learn . I had defaults on my credit report and even paid QQ back late once and they continued to lend.

Debt camel website is very uesful, there is also a very good thread on here re claiming back from PDL's. It was started by woody i think and its pinned, lots of helpful information and other peoples experiences.

Good luck x