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Payday Loans Irresponsible Lending
chachaslide
Posts: 13 Forumite
I'm working hard to repair my credit rating after falling into debt about a year ago. I was taking out payday loans to pay back payday loans and just to basically "live". I have read a few things about claiming back interest and filing complaints against payday lenders for irresponsible lending. How successful is this and is it actually worthwhile claiming? - I have used numerous payday companies, Wonga, Payday UK etc. I have sent an email to Wonga asking for a break down of my previous lending but not sure where to go from here in terms of "complaining"?
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There is a big post on here about people who have claimed back money also debt camel has a good section on payday loan complaints. Do not expect it to be a quick process though sadly. The teams that deal with this are snowed under with complaints - both at the company end and the financial ombudsman end if the complaint gets that far.
Have a read of some of the thread on here as a starting point. The people in that thread will help you
https://forums.moneysavingexpert.com/discussion/5289150£2 Savers Club for 2022 #120 -
I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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