Student loans and pensions

Adamsssss

Email sent to Wonga requesting my statement of account. They said they would send it as soon as possible but I have a record of all dealings with them from my bank statements so have put my complaint in anyway.

Turns out I paid them an extra £2186.84 on top of the amounts borrowed over a 3 year period so am hopeful I can get something back from them.

sarahb7538

Ginger.ice

I am not sure if you are aware but the adjudicators decision isn't final - you can appeal their decision and it will go to an ombudsman.

I have has a complaint re a different issue refused by the adjudicator but provisionally agreed by the Ombudsman (will know on Friday for sure as that is the deadline) .

Ginger.ice

sourcrates wrote: »

The FOS is an arbitrary organisation, they are not the regulator, the FCA is the regulator.

If you want to change things, complain to the FCA, the more complaints received about a company, the more likely they are to launch an investigation into there buisness practices.

I'm doing it to both Sourcrates. The FOS to hopefully get some compensation and redress (as well as cost them £550), and the FCA to make them change.

sarahb7538

Adamssss

Can i ask when you sent your email to Wonga and how long it took. I have requested a statement of account - 2 weeks ago but heard nothing back x

jackster123

Well, mixed emotions from me today! Good news- I finally, after 14 long weeks, got a resolution from my adjudicator re PDUK.
They had taken the time to respond to her, but only to tell her to ignore part of my complaint as it is outside the 6 year time limit. She has upheld everything she can, and her decision is a full refund from June 2010 onwards.

I have decided to contest the decision, for a couple of reasons:

*My loans were one big block, starting in Feb 2008, and ending in May 2012. There was no gap inbetween, so I feel it should be treated as one case, rather than lots of seperate loans.
*I originally complained in April, so I dont see why the refund should begin from the point I contacted FOS. At the very least, the refund should begin when I contacted PDUK. Its not my problem that they ignored me, and i dont see why they should be financially rewarded for ignoring and dragging out complaints.
*I wasnt living in the UK for a couple of years, so I missed the news about Wonga at the time. I wasnt aware that a compaint could be made, and as soon as I was aware, I complained. I feel that this should put me within the 3 year deadline, even though Im outside the 6 years, if that makes sense?!
* I have pointed out a very specific point at the end of 2008, where things had gotten completely out of controll. My bank statement shows my salary of £1140, and pd loan repayments of over £1400. This was the month of my 9th consecutive loan with PDUK, and I feel that this would be a fair point for the refund to be issued from. By this point, i was repaying the loan, and borrowing again within 3/4 days.

In addition to this, I have made a request for compensation from PDUK. I have sent evidence of the many, many emails they ignored, along with their failiure to respond within 8 weeks. I had to pester them constantly for persmission to take the complaint to FOS. I was laughed at on the phone, and when I put a public review on Trust Pilot to try to get their attention, they promised a final response before close of play on 10/6/16. They posted the reply on 11/6, so they had missed the deadline before they made the promise, and even now, a month later, I have not received this. To make matters worse, they asked me to email trustpilot @ dfguk.com. This is a fake email address, and frankly, I can see no reason to ask me to do this, other than to make the situation worse and cause further frustration.

Finally- as we have seen, time and time again, PDUK ignore adjudicator decisions, so this will end up with an ombudsman anyway. On that basis I thought I may as well contest the decision because its going to be a few more weeks either way. At least this was, I feel a bit more in control of the situation!

Wish me luck!!

Adamsssss

sarahb7538 wrote: »

Adamssss

Can i ask when you sent your email to Wonga and how long it took. I have requested a statement of account - 2 weeks ago but heard nothing back x

No problem Sarah.

I sent the email on Monday this week and received the generic reply stating that they will get back to me ASAP (yeah right!)

I then sent them my official complaint yesterday as I could get a breakdown of all transactions from my bank statements anyway.

On a side note, I woke up to a final response from Quick Quid today saying they believed they had done now wrong etc. But have offered me compensation of £150 as a gesture of goodwill. Ombudsman here I come!

What is the best way to go about this as their website says phoning will be quicker, but surely in this case emails are a better way of keeping track of everything?

MARKOS72

Adamsssss wrote: »

No problem Sarah.

I sent the email on Monday this week and received the generic reply stating that they will get back to me ASAP (yeah right!)

I then sent them my official complaint yesterday as I could get a breakdown of all transactions from my bank statements anyway.

On a side note, I woke up to a final response from Quick Quid today saying they believed they had done now wrong etc. But have offered me compensation of £150 as a gesture of goodwill. Ombudsman here I come!

What is the best way to go about this as their website says phoning will be quicker, but surely in this case emails are a better way of keeping track of everything?

I've done everything online via the FOS website with regards to my claim with QQ-it was easier for me as I cant always answer my phone due to the nature of my work (I work trackside for Network Rail)my adjudicator has been very good,keeping me updated through it all via e-mail.

Adamsssss

MARKOS72 wrote: »

I've done everything online via the FOS website with regards to my claim with QQ-it was easier for me as I cant always answer my phone due to the nature of my work (I work trackside for Network Rail)my adjudicator has been very good,keeping me updated through it all via e-mail.

Thanks Markos. I will go this way too. Should you notify whoever you are complaining about that you do not accept their final decision and will be referring it to the ombudsman or do you just go ahead and get in touch with them? Apologies, i'm new to this!:D

MARKOS72

Adamsssss wrote: »

Thanks Markos. I will go this way too. Should you notify whoever you are complaining about that you do not accept their final decision and will be referring it to the ombudsman or do you just go ahead and get in touch with them? Apologies, i'm new to this!:D

I advised QQ that I was complaining to the FOS,got a standard response from them-
"Thank you for responding to QuickQuid.
We have received your email advising that you disagree with the final response to your complaint, and you will further escalate your complaint to the Financial Ombudsman Service. Quick Quid is disappointed that we were unable to resolve your complaint, but respect your right to further escalate.
You have the right to refer your complaint to the Financial Ombudsman Service, free of charge but you must do so within six months of the date of this letter."

Adamsssss

MARKOS72 wrote: »

I advised QQ that I was complaining to the FOS,got a standard response from them-
"Thank you for responding to QuickQuid.
We have received your email advising that you disagree with the final response to your complaint, and you will further escalate your complaint to the Financial Ombudsman Service. Quick Quid is disappointed that we were unable to resolve your complaint, but respect your right to further escalate.
You have the right to refer your complaint to the Financial Ombudsman Service, free of charge but you must do so within six months of the date of this letter."

I have used the online template on the FOS website. All very simple so now the waiting game begins. At least I have plenty more to sort out in the mean time.

What are your thoughts on the fact they offered compensation but didn't uphold the complaint. Is that a tactic to try and soften the blow for them hoping I would accept and leave it at that?