Student loans and pensions

Stevie_Palimo

Delete33 wrote: »

Wrong again Stevie, the reason people have had to go to the FOS is because PDL are ignoring people, starting with not sending a statement of accounts. I said previously in an earlier post, if I ran a company and my staff ignored people meaning that my company faced a £550 charge from the FOS then they would not work for me again. This is very bad management, believing that if you ignore customers they will go away, saving money in theory. Well this has back fired on the PDL because of MSE and DC and people power, I would like to see figures on how much the PDL have had to pay in charges to the FOS. If they had dealt with the complaints earlier it would not have snowballed into thousands of customer complaints, bad management.

I am not wrong Delete33, By the full letter of the law a Company has 30 days to respond to you here on the original complaint and my post is simply asking why people are having issues dealing direct with a lender, Now from your post it says lack of response so with this in mind anyone else who reads through this thread needs to look at my previous post stating about writing into the CEO'S office with a clear and concise complaint, I would pretty much guarantee that the level of complaints being dealt with in a timely fashion directly will increase if people follow this advice.





Quote:


Originally Posted by Delete33 View Post

Hi Stevie, as in the title of this forum, can you give people on this forum your advice on: How to reclaim money from various pay day lenders please.

I can do and for the most part here it is all about being open and honest as with most things in life.

The redress of fee's are being applied in cases of unaffordable lending whereby an actual lender did not carry out correct checks and offered roll over loans, In this case redress is due and rightly so but the best bet here is to look at what you would have applied for and with whom then write into the Company and state as per advising letters and templates.

So lets say as follows :-

Joe Blogs had a loan with Quick Quid and rolled this loan over 3-4 times incurring charges of lets say £1000.00 that then took Joe a year to pay off and was not asked about affordability at the time, They may have applied for £200.00 in the first place and been on £250.00 wages per week so with this in mine rolling this over is not affordable for Joe.

If Joe had stated that he did earn £500.00 but only did earn £250.00 then the balance of probabilities from the payday lender was that he can afford to roll this over so therefore proof needs to be ascertained by both parties as to a valid claim being made and accepted or just rejected.

From my point here I believe that it is worthwhile going through any details you have and remember from the time you applied and took out the loans and then add the facts only here in the template letters and also bypass the usual Customer service/complaints email addresses and look at my link below for the CEO, Make sure your complaint is polite, to the point that lists the facts only for your argument whilst being condensed enough so that the individual in the CEO'S office will read and have a reply organised, If they fail to deal with via this route then take it to the relevant governing Body but be prepared for the long wait whilst the backlog of cases is looked at.


Link here for CEO contact details :- https://www. ceo email com ( remove the spaces )

Good luck to people who were miss-sold these loans and if it is a genuine case of having any money due back then it will be addressed in pretty much all cases, There are new systems in place with major players here that want these complaints dealt with quickly and they do not want to be charged by the FCA with fee's for complaints, It is all about your approach to them so stay calm and collective.

2catsandcounting

Hi guys, not been around for a while since all my PDL complaints had been wrapped up... but i think i mentioned that I had wrote to Shop Direct (very) regarding irresponsible lending and they have agreed to refund interest and charges for the last 6 months from when i had stopped paying them and my account went to DMP, which is nearly £500! I had informed them at this point that i was in financial difficulty but they wouldn't help me.

Just wanted to share my good news, and i'm not sure I like how negative this forum is getting right now.

Delete33

Stevie you have not read all the posts as you would see that customers have been there and done it so to speak, CEOs have been contacted and were overwhelmed so passed back to their complaint Dept/Teams etc. QQ and PDUK do not respond to anything not even the FOS Adjudicators, they s*it themselves when an Ombudsman or the FCA get involved though. Shut it Down.:eek:

debtfree2016x

Fab news Delete, so happy for you!!!

Delete33

Its not over yet debtfree, my adjudicator has told them that if they want it to go to an ombudsman it is unlikely he/she would disagree with the adjudicator.PDUK have not offered any evidence or even spoken to my adjudicator, still a waiting game, however the end is in sight with this one. She will be assessing my QQ complaint next week as QQ have actually sent her a business file.:cool:

Delete33

I would like to thank Woody53 who set this ball rolling, a round of applause to you woody53.

Delete33

Hi MARKOS72, the 8% interest is per year, so the interest and charges total in a year then add 8% to give you a new total for each separate year.:cool:

debtfree2016x

I hope the ombudsmen agrees with what my adj' has said re QQ

Delete33

Hi DebtFree, I have not read any where about an Ombudsman disagreeing with an adjudicator, in fact the Ombudsman usually awards extra compensation for deliberate delaying tactics, have seen £150 extra against SlowQuid.:cool:

fusionx212

myjar refused my claim yesterday, I am not to fussed about myjar to be fair. contemplating wether worth going to FOS now or later as she's dealing with quickquid and wonga for me don't want to muddy the waters as to say.

wonga is the one I am gunning for .