StepChange v Self-Managed... £85k+ Debt

Avante_2

Always_Fishing said:

Rob5342 said:

Always_Fishing said:

Avante_2 said:

Always_Fishing said:

Avante, just as an FYI for you, I've sent off all my affordability complaints today, it was easy enough using this link that was shared with me on my post https://debtcamel.co.uk/refunds-large-high-cost-loans/

I've already had a couple of responses just asking for some personal details to identify the account or an acknowledgment of the complaint, not much yet in the grand scheme of things but its another step forward that's quite simple to do if you want to keep the progress going!

Well done so far, looks like you're on a roll.

Thanks so much for this Always Fishing,

This was tomorrow’s task as I spent most of today sorting out the details on previous posts but progress is progress! 

You’ve given me a nice head start on tomorrow’s task so thanks again. Please let me know how you get on, be interesting if NewDay treat us the same/different (I know individual circumstances differ).

As Rob previously mentioned I’m going to expect nothing and be pleasantly surprised if I get anything.

p.s. I naively let a third party explore some unaffordable complaints with previous payday lenders around COVID time, I recently got £500 back, they deducted £180 for their fee! Definitely doing the “proper” affordability complaints myself.

Out of interest, how long ago were the payday lenders used? I got caught in the payday loan trap and ended up paying them all off in full after defaulting but this was probably more than 10 years ago now so I don't have any records or info, I'm curious if I can still claim against these. 

You have to complain within 6 years of the event happening or within 3 years of becoming aware you could complain. The latter will be difficult to argue although I have successfully argued it with one complaint 7 years later. It's going to be difficult lt to complain about something 10 years later as lots of records may not exist any more. Also a lot of payday loan companies have gone out of business so there might not be anyone left to complain too. 

Ahhh, never mind then. I'd be hard pressed to remember who they were with to be honest barring a couple of them. 

Hi Always Fishing,

I am a bit stuck with how I go about doing the affordability complaints, I’ve followed the Debt Camel advice so far.

Could you share how you approached this? 

Presumably I need to cross reference all debts with my credit file and make a list of all loans/cards I can complain against? 

Always_Fishing

Avante_2 said:

Always_Fishing said:

Rob5342 said:

Always_Fishing said:

Avante_2 said:

Always_Fishing said:

Avante, just as an FYI for you, I've sent off all my affordability complaints today, it was easy enough using this link that was shared with me on my post https://debtcamel.co.uk/refunds-large-high-cost-loans/

I've already had a couple of responses just asking for some personal details to identify the account or an acknowledgment of the complaint, not much yet in the grand scheme of things but its another step forward that's quite simple to do if you want to keep the progress going!

Well done so far, looks like you're on a roll.

Thanks so much for this Always Fishing,

This was tomorrow’s task as I spent most of today sorting out the details on previous posts but progress is progress! 

You’ve given me a nice head start on tomorrow’s task so thanks again. Please let me know how you get on, be interesting if NewDay treat us the same/different (I know individual circumstances differ).

As Rob previously mentioned I’m going to expect nothing and be pleasantly surprised if I get anything.

p.s. I naively let a third party explore some unaffordable complaints with previous payday lenders around COVID time, I recently got £500 back, they deducted £180 for their fee! Definitely doing the “proper” affordability complaints myself.

Out of interest, how long ago were the payday lenders used? I got caught in the payday loan trap and ended up paying them all off in full after defaulting but this was probably more than 10 years ago now so I don't have any records or info, I'm curious if I can still claim against these. 

You have to complain within 6 years of the event happening or within 3 years of becoming aware you could complain. The latter will be difficult to argue although I have successfully argued it with one complaint 7 years later. It's going to be difficult lt to complain about something 10 years later as lots of records may not exist any more. Also a lot of payday loan companies have gone out of business so there might not be anyone left to complain too. 

Ahhh, never mind then. I'd be hard pressed to remember who they were with to be honest barring a couple of them. 

Hi Always Fishing,

I am a bit stuck with how I go about doing the affordability complaints, I’ve followed the Debt Camel advice so far.

Could you share how you approached this? 

Presumably I need to cross reference all debts with my credit file and make a list of all loans/cards I can complain against? 

I've sent you a PM

Avante_2

Hi Always Fishing,

I am a bit stuck with how I go about doing the affordability complaints, I’ve followed the Debt Camel advice so far.

Could you share how you approached this? 

Presumably I need to cross reference all debts with my credit file and make a list of all loans/cards I can complain against? 

I've sent you a PM

Thanks very much  

Martico

Popping in to say - what a good start. And kudos to both the OP for their willingness to listen, take everything in and engage. And to the other forumites for clear and helpful support. It's a great community.
Good luck with it all