Student loans and pensions

Delete33

If they do not reply to the adjudicator then it goes to the Ombudsman, not one PDL has dared to ignore the Ombudsman, in fact the Ombudsman usually offers more in the way of compensation than an adjudicator. I want QQ and PDUK to ignore the adjudicator for obvious reasons.

MARKOS72

Delete33 wrote: »

Hi MARKOS, I have now been asked to supply Credit report and Bank Statements to my Adjudicator at the FOS, what stage are you at now????

Not heard any more back from Ombudsman,apart from my case being allocated.

Delete33

You should get a phone call next week, or an e-mail or voice mail.

chipsmum

Has anyone had a claim upheld for loans before 2014 or are all the successes for loans taken out since the FCA took over regulation ?

Delete33

Customers have had redress from 2010 onwards.

debtfree2016x

My complaint has been upheld from 2012/2014 although I do expect QQ to make it as difficult as possible and it will probably end up with the ombudsmen

Delete33

More money for you if it does debtfree :j:beer:

stuart30

Guys is there a template to fire off to the PDL"s...I was taking out loans very regular.
Pay them off but week later needed another as paid last one off...credit file just has a long list of Wonga Wonga Wonga...looks awful.

If no template what are folks stating reason wanting £££ back.

Delete33

Check the Debt Camel website for template, start with simple e-mail asking for a statement of accounts Stuart 30.

fusionx212

So I've been silently chasing a few of mine,

quick quick offered to delete the loan from my credit file as well as recall it back from the debt collectors.

I said this was not acceptable as I had paid the loan off with the debt collector already so whats the point in recalling it back

I said why would I accept an offer that does not benefit me in the slightest.

they dug their feet in so that's gone to the FOS. screw them I was willing to accept a reduced offer from them as well.

still chasing Wonga, I have been phone and emailing them and they have said I'll have my final response by the 7th of june. hmmm we'll see on this one Wonga is my strongest complaint so I'll keep going on at them.

myjar gave said I earnt over £3000 quid a month. I haven't earnt anywhere near that amount and argued with them that they should of seen multiple pdl's and defaults as well as late payments listed on my credit report
they also said I'd paid back loans early with out evidence.

They gave me what looked like their final response. with out the FCA and ombudsman escalation listed, to which I pulled them up against they have not replied via the correct channels. in which I opened my complaint up with them (resolver.co.uk) so I've complained to the FOS.

Sunny Have responded once acknowledging the complaint refuse to answer my emails for updates. they have a bit of time left.

bit of topic, but I decided to look into all of my borrowing over the years,

I had loans via stores etc and it appears there is a big hoo ha around HSBC not informing customers of the ability to pay back loans early. so if you've had a loan or a store loan from 2008ish onwards you have a strong claim to request they repay you all interest and fees you incurred on your accounts.
I probably paid about £700 interest and some extra in fee's etc.

I also have noticed Anglian water have decided to add myself to my wifes water account because I spoke with them. obviously a bit niche here but i have a case with OFwat open about this as it's added negative information to my credit report even though the account is not mine.

i'd make a suggestion on checking your credit files as it's against financial guidelines.

and that's all of my complaints listed so far.

successes for me
peachy £450 back plus all loans removed
Santander Default removed + £250 compensation for a default with out a letter

these are all stemmed off of me sending letters to these companies saying I was unhappy with how they have operated etc.