Reclaim payday loans for free discussion area

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I would love some help please!
Firstly all of the stated loans are repaid back - these are the ones i can find through my notes, currently i can get no info from LENDING STREAM, my email isn't registered anymore & the email arent specific from them...
basically I got into a payday trap a few years ago, heres the sum up...
Sunny
27 Jul 14' 150
1 Apr 15' 50
24 Apr 15' 50
27 Apr 15' 50
27 May 15' 150
20 June 15' 150
29 Jul 15' 150
26 Oct 15' 150
30 Jan 16' 50
27 Feb 16' 150
26 May 16' 50
27 Jun 16' 150
26 Sept 16' 50
26 Oct 16' 100
Mr Lender
1 sept 15 200
27 Oct 15 200
Pixie
28 sept 15 250
Wage day Advance
9 Mar 15' 100
1 sept 15' 250
247 MoneyBox
6 July 15' 80
26 Sept 15' 100
28 June 16' 150
5 Oct 16' 125
27 Oct 16 225
If Im honest i cant pinpoint anything the lenders did wrong, apart from i was never asked if i had other loans available, sunny only checked me once and let me continually keep borrowing.
Is there anything i can do to claim money back and how should i start?
Thanks
Matt
We have a specific thread on this on the debt free wannabe forum, but to answer your question, follow this link to the debt camel website, where a full guide and template letter can be found :
https://debtcamel.co.uk/payday-loan-refunds/
“A man who pays his bills on time is soon forgotten. - Oscar Wilde"
“If you owe the bank $100 that’s your problem. If you owe the bank $100 million, that’s the bank’s problem. - JPMorgan Chase"
"I don`t trust Bankers, I don`t trust Banks, and I don`t trust you. - Private Frazer"
For free debt advice, contact either : Stepchange, National Debtline, CitizensAdviceBureaux.
In April I decided to start compiling a list of all my Loan ID’s and how much I took and how much I repaid etc. Then I sent this along with my monthly expenses to Lending stream and complained about irresponsible lending. They had 8 weeks to respond and on the last day of the 8th week I had a response saying they were not to blame and this was their final response.
I decided to take it to the Finacial Ombudsman who was able to look into my claim. All they wanted were the loan numbers which I already had a list of. And my bank statements from the first time I took them out to the last month (which for me was the current month) 17 bank statements were sent via email to the ombudsman and they replied saying I should hear back within 12 weeks. On the 12th week I phoned them up (lovely people) and asked about my case they said I should hear back soon.
A few weeks later the ombudsman emailed me and they agreed with me (YAY!) and told lending stream they needed to refund me the interest and remove from credit file.
Today, I received lending streams refund and am happy to announce that I got just over £1600 back from them. This has now allowed me to pay off a credit card. And I’m now looking forward to a less stressful 2019.
You need to give them your complaint reasons.
My second point is the Obudsman recently found in my favour against Sunny loans, however they are refusing to reply to the Obudsman emails stating that they lent to me irresponsibly? Is there anything I can do to make them accept responsibility and pay me my refund. I calculate it will be around £5000, so i want it all settled as soon as possible.
Thank you
Hi,
You don`t have to do anything here, the Financial Ombudsman Service is the statutory dispute-resolution scheme set up by parliament under the Financial Services and Markets Act 2000
Most Banks and financial companies are regulated by the FCA, and the FOS was appointed by the regulator to resolve individual disputes between businesses providing financial services and consumers, as an alternative to the civil courts.
If a company fails to comply with the Ombudsmans service, then they have reglatory powers to refer the matter to the courts.
“A man who pays his bills on time is soon forgotten. - Oscar Wilde"
“If you owe the bank $100 that’s your problem. If you owe the bank $100 million, that’s the bank’s problem. - JPMorgan Chase"
"I don`t trust Bankers, I don`t trust Banks, and I don`t trust you. - Private Frazer"
For free debt advice, contact either : Stepchange, National Debtline, CitizensAdviceBureaux.
Looking for help if possible?
I had continual payday loans from 2008-2014 however the company was a small independant shop in my town. I am not sure if it's still trading as it was a cheque cashing centre. They did give me an Id card to use when I went in that is detailed as cash centres Ltd 46 brook street Chester- I assume this was a head office address but I cant seem to find any info on this company.
Can I still make a claim myself or will it be easier to use a company with it being hard to find info about them.
Thanks
Mp3
Is the shop still there ?
Use companies house to see if still active.