Student loans and pensions

Delete33

Glad to hear from you Sourcrates, lots of successes lately on DC and MSE, the PDL have not realised how many people would complain. This is a game changer, People Power changes Wonga.

sourcrates

Delete33 wrote: »

Glad to hear from you Sourcrates, lots of successes lately on DC and MSE, the PDL have not realised how many people would complain. This is a game changer, People Power changes Wonga.

Yes indeed, my two historical complaints (2011 & 2012) have now both gone to an ombudsman decision, so its still a waiting game.

Delete33

Hope you are redressed Sourcrates, what was the adjudicators decision? in your case.:)

CakeCrusader

Challenger71 wrote: »

We used money shop to cash cheque then they held the cheque and we had to take another one in the next month before they cashed it. This went on for some time but was around 10 years ago, I assume we are out of time to be making any claim?

I saw your post yesterday and I checked this as I'm in the same boat. It's 3 years from the time that you notice the problem, so you should still be able to claim is you have all of the details. http://www.financial-ombudsman.org.uk/faq/businesses/answers/before_we_get_involved_a7.html "six years from the event the consumer is complaining about (or - if later - three years from when the consumer knew, or could reasonably have known, they had cause to complain)."

I've emailed the Money shop as it's pretty difficult to check bank statements for specific cheque payments. I hope this helps.

debtfree2016x

I looked into when the PDL companies will get charged.

The case fee for the 26th (and any
subsequent) “chargeable” case is £550.
It becomes chargeable when our consumer
helpline passes a complaint on to one of our
adjudicators for further investigation.
However, the fee isn’t actually payable until
the complaint is resolved. Our finance team
sends out an invoice to the business
involved at the end of the month in which we
close our case.
We review our case fee arrangements each
year – and consult our customers about any
changes we think might be necessary.

Delete33

Good info DebtFree, QQ and PDUK will be getting some massive charges from the FOS.

sourcrates

Delete33 wrote: »

Hope you are redressed Sourcrates, what was the adjudicators decision? in your case.:)

That 2 out of the 3 loans from each company (mr lender/paydayuk) were unaffordable, they said only one was, I said all 3 were, awaiting the decision now.

MARKOS72

Got my Experian Credit report today,forwarded on to my adjudicator-hopefully see some progress in the coming weeks

Delete33

E-Mailed mine last night MARKOS, we are getting there, I now have to send the 4 years of bank statements I have from the Halifax, there is a lot of paper. Need to send in 3 to 4 envelopes to keep the postage down. :cool:

debtfree2016x

I haven't been asked for any bank statements. Wonder why some people are and some people are not being asked