Student loans and pensions

Delete33

Not really sure tibawo, E=mail your complaint to QQ. Then its a waiting game for 8 weeks.

sourcrates

tibawo wrote: »

been reading this thread with interest.


how far back can you write to them about? I am talking 2008. It is for QQ. They used to ring me up at work.they scared me so much i paid them off and ended up in an IVA.

Creditors have to keep records for 6 years, some keep them longer than others
Only way to find out is to get your complaint sent in, if you know your account/loan details, or account numbers, that's a bonus.

If neither you nor them, still have account details, then that's the end of it I'm afraid !!

Delete33

Quite right Sourcrates, well said.

Delete33

Just read on another forum, 2 x posters received £82 from PDUK even though he did not raise a complaint.

2catsandcounting

this 8 weeks is taking too long, 3 weeks down 5 to go. if this all comes through i'll be debt free by april 2017 and that really excites me!! come onnnnnnn

Delete33

Just have to be patient louised1989, after 8 weeks you may have to escalate to the FOS and wait another 8 to 12 weeks. Just hope you get an acceptable offer as quick as possible, some people have?

sourcrates

Delete33 wrote: »

Just have to be patient louised1989, after 8 weeks you may have to escalate to the FOS and wait another 8 to 12 weeks. Just hope you get an acceptable offer as quick as possible, some people have?

FOS are fast tracking PDL complaints now, most in under two weeks, due to the large number of complaints received.

Also if you have numerous complaints with them, they are been grouped together, and dealt with "as a whole" rather than individually.

The FOS is not infallible, on many occasions they do find in the lenders favour, however they still represent the best/only way, in most cases, of getting any redress if your complaint is initially rejected.

debtfree2016x

Can someone advise please..
I had loans with Wonga QQ and P2P all in the same period of time. After defaulting on credit cards and over drafts. I have since paid them off, I am still in a DMP for my bank repayments etc.
Am I likely to be successful in claiming back interest etc, even though I have paid them off?
Many thanks in advance

Delete33

Yes why not debtfree2016x, E-Mail the lenders first with your complaint IE: unaffordable lending, see what happens, you have the option to escalate your complaint to the FOS if your not happy with the lenders response. See DebtCamel website for more info.

tibawo

sourcrates wrote: »

Creditors have to keep records for 6 years, some keep them longer than others
Only way to find out is to get your complaint sent in, if you know your account/loan details, or account numbers, that's a bonus.

If neither you nor them, still have account details, then that's the end of it I'm afraid !!

It seems that QQ have still got my records as they have sent them to me. I am shocked at the interest and know realise how they took advantage of me with the interest but how stupid I was to take a loan.
Now find the wording for my letter. I know it is personal but are there any ideas like laws etc I need to quote?