Advice required for payday loan reclaim?

RhysDav

Hi all,
I am looking for some advice on a payday loan reclaim?

 My problems started back in May 2007 when I lost my job and ended up taking £400 credit card to cover mostly petrol.

I ended up in a zero hours contract job in a hotel, where they could sometimes call you just an hour before start time and tell you that there was no need to come in.

Over the next 11 years I spiralled into depression, a driving ban, 2 failed relationships and severely spiralling debt. All while still, on zero hour contracted jobs.

For years I was taking out loans to pay off other, selling anything I could. Sometimes living off just bread and butter for days at a time before I could find some money.

Eventually I got some luck and found a permanent job in December 2017. This prompted me to seek help for my depression and things got better.

But I was still deep in debt, swamped with interest and not getting anywhere. 

Eventually I plucked up the courage to tell my Father how bad it all was and had been for over 11 years.

He was amazing and lent me enough to clear my debts, which bynow had spiralled to £20,000. I am gradually paying him back monthly and have been for just over 2 years now.

Over this time 2007 to 2018 I took out literally dozens  and dozens of loans with probably 15 companies, maybe 20.

Thousands and thousands of pounds.

Nearly all never checked my finances,  as if they had they would have seen it was armageddon and would never had lent the money to me.

Plenty of companies I approached declined me for this reason. But a lot didn't. 

I cringe when I think of what I did and am so embarrassed, but my state of mind at the time was poor and I didn't know where 3lse to go as I didn't want to tell my family in shame.

I still owe my Father  a considerable amount and it would be lovely if I could make a claim and be able to pay him back as soon as possible as he has retired how and certainly not wealthy.

There would be dozens of loans since 2007 and I wondered what would be the best way to go about this?

Thank you for your help in advance.

[Deleted User]

Use the MSE guide as a starting point.

https://www.moneysavingexpert.com/reclaim/free-payday-loans-refunds/

bigspectre

Used this guide for Quick Quid who are  now in administration got an email from Cash Euro net who are their administrators advising me they owed me 13 grand but would get considerably less than this. Not expecting a lot. Still waiting.