Student loans and pensions

SPEWY

So today is day 1 for me:

submitting all the requests for statements:

QQ
Lending Stream
Payday UK
Payday Express
My Jar
Wonga
Wage Day Advance

wish me luck

I will keep you posted

glitterunicorn

I have sent complaints to several PDL companies thanks to this forum and will hopefully have some answers soon.


I have received a response from Lending Stream who have advised that their lending was responsible and have quoted some information such as my credit score at the time (a lot higher than now as I hadn't received any defaults etc. at that stage) and have agreed to wipe my current outstanding balance as a goodwill gesture.


I had around 3 loans at one time with LS as well as several other creditors - is this something I should pursue? Or do I not have a case as they have provided reasons for providing me with credit?


I settled 6/7 loans but one of these was on a payment plan and the 7th I have been repaying.


Any advise would be great.

List_Maker

glitterunicorn wrote: »

I have sent complaints to several PDL companies thanks to this forum and will hopefully have some answers soon.


I have received a response from Lending Stream who have advised that their lending was responsible and have quoted some information such as my credit score at the time (a lot higher than now as I hadn't received any defaults etc. at that stage) and have agreed to wipe my current outstanding balance as a goodwill gesture.


I had around 3 loans at one time with LS as well as several other creditors - is this something I should pursue? Or do I not have a case as they have provided reasons for providing me with credit?


I settled 6/7 loans but one of these was on a payment plan and the 7th I have been repaying.


Any advise would be great.

I got the same standard response from LS. Ombs upheld 30/35 complaints on loans I had with them. With around £6k. So yes persue it if you feel you should not have been lent the loans and were in financial difficulty.

Good luck

sacha28

Bluetonic123 wrote: »

sacha28 give them a call. One my mine was delayed as they thought I hadn't sent the final response and one was delayed as they go the timeline wrong. Both are moving along now.

I spoke to them about 4 weeks ago, she said that it had been passed to an ombudsman and she would email the allocated person and chase it up....nothing so far.

MARKOS72

Wow good to see this thread still going strong-haven't been here for a few months-well done everyone who has had successes.
Everyone else,just stick in there-its worth it

rickbooth86

Hi,


I have submitted my complaint with QQ and they have requested bank statements/payslips etc to substantiate my claim. I don't have any of these due to my last loan being 3 years ago. What should I reply and say?


Also I have received my statement of account. Do I just include the loans where I took them out on consecutive months?


Thanks

SPEWY

rickbooth86 wrote: »

Hi,


I have submitted my complaint with QQ and they have requested bank statements/payslips etc to substantiate my claim. I don't have any of these due to my last loan being 3 years ago. What should I reply and say?


Also I have received my statement of account. Do I just include the loans where I took them out on consecutive months?


Thanks

out of interest how long did it take before they responded and sent your statements?

rickbooth86

I requested them last Friday but then got impatient on Tuesday night and sent the complaint. Then I heard back from them yesterday both acknowledging the complaint and providing the statement.

DaveP10

SPEWY wrote: »

So today is day 1 for me:

submitting all the requests for statements:

QQ
Lending Stream
Payday UK
Payday Express
My Jar
Wonga
Wage Day Advance

wish me luck

I will keep you posted

Monday was day 1 for me too Spewy. You should get a response soon.

I sent complaints to Wonga and Sunny who I have had continuous loans with since early 2014. Was getting impatient and was going to send another email to them both today but got a reply from Wonga last night and Sunny this morning.

The ball is rolling!!

Couldn't see a way out of the payday loan cycle until I stumbled onto Debt Camel and this thread. Took action and setup a DMP plan as I had a maxed out overdraft as well as a couple of credit cards up to their limit and a 118 loan. Not sure if I can claim anything against them although 118 did offer me a top up loan and one of the credit cards offered to double my limit to 4k!!

Also had 2 recent pay day loans with Lending stream but other than not spotting my bad credit report I don't think I can complain about 2 continuous loans

Anyway, hoping for a good response from Sunny and Wonga after their investigations as I think I'm due around 5k between them. And that will be going straight to the DMP.

Hope you have a good outcome to your claims and will be interesting to see how both ours progress time wise!!

SPEWY

DaveP10 wrote: »

Monday was day 1 for me too Spewy. You should get a response soon.

I sent complaints to Wonga and Sunny who I have had continuous loans with since early 2014. Was getting impatient and was going to send another email to them both today but got a reply from Wonga last night and Sunny this morning.

The ball is rolling!!

Couldn't see a way out of the payday loan cycle until I stumbled onto Debt Camel and this thread. Took action and setup a DMP plan as I had a maxed out overdraft as well as a couple of credit cards up to their limit and a 118 loan. Not sure if I can claim anything against them although 118 did offer me a top up loan and one of the credit cards offered to double my limit to 4k!!

Also had 2 recent pay day loans with Lending stream but other than not spotting my bad credit report I don't think I can complain about 2 continuous loans

Anyway, hoping for a good response from Sunny and Wonga after their investigations as I think I'm due around 5k between them. And that will be going straight to the DMP.

Hope you have a good outcome to your claims and will be interesting to see how both ours progress time wise!!

I will chase them tomorrow. Good luck mate. The race is on lol