Student loans and pensions

Neo187

Had Piggybank today offer me £500 refund which Ive accepted. Claimed for £900, but didn't think I would get anything really, so took this and run. So two months in, and have £800 back from a few companies. Still waiting on the big boys of Wonga, QQ and PDUK - Over £10K interest between them!

Sadie007

HI,

I had this reply from Payday UK, could someone help with what I should reply with to reclaim.

Thanks

This account currently has no sums due or payable. Therefore, we have no current obligation to provide a statement of account under Section 77 of the Consumer Credit Act as per Subsection (3) of Section 77 which states that the requirement under “Subsection (1) does not apply to – (a) an agreement under which no sum is, or will or may become payable by the debtor.”

Neo187

Sadie007 wrote: »

HI,

I had this reply from Payday UK, could someone help with what I should reply with to reclaim.

Thanks

This account currently has no sums due or payable. Therefore, we have no current obligation to provide a statement of account under Section 77 of the Consumer Credit Act as per Subsection (3) of Section 77 which states that the requirement under “Subsection (1) does not apply to – (a) an agreement under which no sum is, or will or may become payable by the debtor.”

I had the same but I just replied with a full blown complaint and highlighted stuff I could find on my credit report. They then replied with their standard 8 weeks investigation email. So, worth trying that?

Leanneglos1

Wohooo just received email back from 118 money offering me £560 and I only had 1 loan with them, so if anyone has only ever had 1 loan definitely complain, nothing to loose:)

henrryyyy

Leanneglos1 wrote: »

Wohooo just received email back from 118 money offering me £560 and I only had 1 loan with them, so if anyone has only ever had 1 loan definitely complain, nothing to loose:)

was that for irresponsible lending?
did you use the template letters from debtcamel?
I never thought about complaining to them or bamboo as thought they were considered more of a personal loan

Leanneglos1

Yeah exact same template, I thought the same and thought no harm in trying my luck and they agreed, refunded interest plus 8% and removing fr my credit profile

acee

Had 17 loans with safetynet allready this year interest alone is over 1k my monthly salary is only £1070 , also had about 8 other loans at the same time. They have rejected my complaint today saying they did all the necessary checks offered me £80 as a 'goodwill gesture' saying they know I've used a letter template from the internet and doesn't apply to them as they aren't a payday lender. They said I had £500 spare each month even though I sent them my bank statements for the last 3 month showing I was on -£2500. Sending it off to the Ombudsman not had 1 refund yet very disheartening as I've copied the templates and added my own info.

acee

And to add insult to injury I'm on a DMP owe them £350 and they've charged me an extra £109 interest this month they also offered me more money last month which I declined and they included this in their final respone letter which is strange surely that favours my complaint not their refusal.

Leanneglos1

Don't give up!!! It takes time, without doubt take it to FOS!!! Good luck:)

jack_1992

Decided to accept offer from Wonga for £805 including refund and 8% simple interest.

Have heard from FOS re: QQ about their final response, still waiting for Sunny.

Will get there, they ruined a good few years of my life with their crazy fees etc. I know I chose to use them, but they didn't help.