payday loan refunds

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wilsonscouple
wilsonscouple Posts: 3 Newbie
in Loans
I need some templates for payday loan refunds the ones on cab and debt camel don't seem to be strong enough any help welcome


I have 5 companies I need to write to
loans at home
provident
Wonga
quickquid
sunny
«1

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  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
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    The letter you need will depend on the reasons you're asking for a refund - eg DD taken in error, overpaid by standing order, miscalculation of interest, early settlement figure incorrect etc.

    Easier just to write to them directly and put your reasons.
  • wilsonscouple
    wilsonscouple Posts: 3 Newbie
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    to be honest I think on some I was mis-sold I couldn't afford them
    sunny lent 2500 repayment was 360 pm
    loans at home lent me 1000 then 500 on top then another 500 then I missed some payments then gave me another 1000 without checking my monthly expenditure so I have 3 loans running with them paying 240pm month same story with provident
  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
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    It sounds more like mis borrowing rather than mis selling. Why did you borrow more when you were already missing payments?

    But stranger things have happened, so drop them a line.
  • sourcrates
    sourcrates Posts: 28,878 Ambassador
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    edited 13 March 2018 at 1:30PM
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    Debt Camel website is where you want to be :

    https://debtcamel.co.uk/payday-loan-refunds/

    If you want a refund, you have to be nice.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • sourcrates
    sourcrates Posts: 28,878 Ambassador
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    Deleted_User wrote: »
    It sounds more like mis borrowing rather than mis selling. Why did you borrow more when you were already missing payments?

    Or, you could ask, why did they lend him more when he was already missing payments ?

    Two way street in this game........
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
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    You could indeed. It's not a risk I would take on a customer.

    Agree it's a two way street - so thought I should mention the second way.
  • Pdiddy82
    Pdiddy82 Posts: 9 Forumite
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    Christ, don't ask advice on this via this forum, all you get is "It's your own bloody fault!"

    But on a plus note, it's pretty easy. Just follow the debtcamel link above
  • bigisi
    bigisi Posts: 925 Forumite
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    Pdiddy82 wrote: »
    Christ, don't ask advice on this via this forum, all you get is "It's your own bloody fault!"

    But on a plus note, it's pretty easy. Just follow the debtcamel link above

    So people don't have to take ANY responsibility for borrowing more than they could afford to pay back? It's ALL the lenders fault?

    Get over yourself, while the lenders could say no, nobody held a gun to the OP's head forcing them to apply.

    As above, it's a two way street, nobody said it was completely the OP's "own bloody fault" but in your world we could all take loans out then complain and get all our money back. I'm sure that would be a lovely world, free cars, no mortgages - where do I sign up?
  • DCFC79
    DCFC79 Posts: 40,598 Forumite
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    Pdiddy82 wrote: »
    Christ, don't ask advice on this via this forum, all you get is "It's your own bloody fault!"

    But on a plus note, it's pretty easy. Just follow the debtcamel link above

    Yet in your first post you said the letter templates on debt camel weren't strong enough.
  • bigisi
    bigisi Posts: 925 Forumite
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    DCFC79 wrote: »
    Yet in your first post you said the letter templates on debt camel weren't strong enough.

    That isn't the OP.
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