Student loans and pensions

joncow75

I may not be able to get a credit report from 5-6 years ago, but what I have done is ran a current one and then screen shot all my accounts that show history for 6 years. My Barclaycard and old Egg card, plus Next Directory, House of Fraser all show late payment markers. 2010 is a sea of red dots!! Even my last 2 years mortgage show late payments of 2 and 3 months as I'd got into such a mess I had to pay all the small amounts that i'd have a £12 charge against rather than the mortgage which was one large payment (although GE Money have been charging me £50 a month for late payment, but that's a different argument!)

Delete33

Sounds to me like you have a good case, these PDL did not do proper Credit Checks, they just thought about profit, profit and more profit. They lent money to the most vulnerable and now we are fighting back they are using every delaying tactic they can think of to make people go away. However with the help of the FOS, MSE, and DebtCamel we are starting to see some great results for the consumers who got trapped in the PDL cycle.:D

Mrs_Ryan

sourcrates wrote: »

Of course, if you made a CCA request, they would only have to comply if there was an outstanding balance remaining on the account.


What exactly did you ask for originally ?

Statements of account- that's all. Delete is correct- I think they are aware and just trying to get shot of me. The PDUK was the last to default and was constantly rolled over for if I recall rightly about two years so I think they're running a bit scared. I've not heard from the Money Shop yet but that one is a biggie- i was with them from the job previously to my last one (in other words about seven years) and in that time I can only recall paying off the loan in full a handful of times then reloaning pretty much immediately.
There are balances still outstanding although they have all been provided with medical evidence so have agreed not to attempt to collect.

Delete33

Lots of successes reported yesterday on the DC site, the tide may have turned our way. Expect a lot more positives as the weeks go by, hopefully your turn will be next.

moley1507

wow !! lets hope so I have over £7,000 interest with QQ shocking !! we rolled over for months and months with them !!

moley1507

Thank you for contacting QuickQuid. The contents of your email were duly noted. We apologise if there was any delay in responding to your complaint.
Your query raised several questions on loan affordability. In order to better assist you, we ask that you fill out the below information so that we can thoroughly review and respond to your complaint.

Questionnaire

1) What was your income per paycheque at the time of your loan(s)?

2) What were your monthly expenses as of the time of your loan(s)?
(please include mortgage/rent, travel, utilities, payments of other credit commitments, food, and other expenses as separate items)

3) Recently, we have seen an increased number of complaints where the complainant has obtained a template from a website or blog. Did you use a website template? If so, can you please provide the name of the website?

4) Did you tell us that you were experiencing financial hardship? If so, when did you tell us of your financial difficulty?

5) Please provide a copy of a bank statement from the time of your loan(s).

6) Please provide a copy of a payslip from roughly the time of your loan(s).

Once we receive the information back from you, our complaint team will diligently review and assess your complaint. As you will see from our complaint procedure, we have eight weeks from the date we receive your complaint to send you our ‘Final Response’. If at that time you are still unhappy with our decision, you will have six months from the date of our 'Final Response' to refer your complaint back to the Financial Ombudsman Service for them to adjudicate in the matter on your behalf.
For more information about our complaints procedure, please visit the 'Contact Us' section of our website
If you have any queries, our Final Resolution Team is here to help.
Yours sincerely,


I'm taking it this is standard ? how am I supposed to give payslips and bank statements for all the loans - they go back years ?? argghhhh

david756

moley1507 wrote: »

Thank you for contacting QuickQuid. The contents of your email were duly noted. We apologise if there was any delay in responding to your complaint.
Your query raised several questions on loan affordability. In order to better assist you, we ask that you fill out the below information so that we can thoroughly review and respond to your complaint.

Questionnaire

1) What was your income per paycheque at the time of your loan(s)?

2) What were your monthly expenses as of the time of your loan(s)?
(please include mortgage/rent, travel, utilities, payments of other credit commitments, food, and other expenses as separate items)

3) Recently, we have seen an increased number of complaints where the complainant has obtained a template from a website or blog. Did you use a website template? If so, can you please provide the name of the website?

4) Did you tell us that you were experiencing financial hardship? If so, when did you tell us of your financial difficulty?

5) Please provide a copy of a bank statement from the time of your loan(s).

6) Please provide a copy of a payslip from roughly the time of your loan(s).

Once we receive the information back from you, our complaint team will diligently review and assess your complaint. As you will see from our complaint procedure, we have eight weeks from the date we receive your complaint to send you our ‘Final Response’. If at that time you are still unhappy with our decision, you will have six months from the date of our 'Final Response' to refer your complaint back to the Financial Ombudsman Service for them to adjudicate in the matter on your behalf.
For more information about our complaints procedure, please visit the 'Contact Us' section of our website
If you have any queries, our Final Resolution Team is here to help.
Yours sincerely,


I'm taking it this is standard ? how am I supposed to give payslips and bank statements for all the loans - they go back years ?? argghhhh

Yeah this seems standard.

I just sent this back to them.

Hello,

(Date of first loan) right through to the end of my loan activity with yourselves. You can find this on my account, as this is where I ascertained the information regarding all the loans.
If you would like a complete breakdown of each individual loan then please get in contact and I will happily help. This should not be required though as you have all the information needed.

I am not prepared to divulge my bank statements at the present time due to sensitive information. If required by FOS I will provide to them only.

Expenditure and income should have been taken into account when I applied, this is your fault for not asking at the time.
I would ask what assessment you did at the time of approving the loans.
If you have done all of this correctly then you will already be in possession of this information.

If you have any further questions that you would like to ask then please do not hesitate to get in contact with myself.

Kind regards,
David

moley1507

have they replied to this at all ?

Delete33

Hi moley 1507, QuickQuid do not seem to do replies to anything but the first E-Mail or two.:(:mad:

DizzyExponent1

Sent my complaint to Payday UK on 25/02 and received the following response yesterday:

Thank you for your recent email.

As you will now be aware, we have recently completed a review of loans provided, and I can confirm we will write to you in the coming weeks to confirm which loan(s) were affected, how much we will be refunding you, and how the payment will be made. There is no need to take any action at this time.

If there have been any changes to your bank account details, please call us on 0800 009 4128 to provide us with your current account details (account number and sort code) in order for us to make your payment when it becomes due. Your payment details will only be used for the purpose of this refund and will not be used for any other reason.

^ Not sure if this is a good thing or yet another delaying tactic to make me think something is coming when really it isn't