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  • FIRST POST
    • wilsonscouple
    • By wilsonscouple 12th Mar 18, 11:42 AM
    • 3Posts
    • 0Thanks
    wilsonscouple
    payday loan refunds
    • #1
    • 12th Mar 18, 11:42 AM
    payday loan refunds 12th Mar 18 at 11:42 AM
    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
Page 1
    • zx81
    • By zx81 12th Mar 18, 11:46 AM
    • 17,225 Posts
    • 18,307 Thanks
    zx81
    • #2
    • 12th Mar 18, 11:46 AM
    • #2
    • 12th Mar 18, 11:46 AM
    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
    • By wilsonscouple 12th Mar 18, 11:57 AM
    • 3 Posts
    • 0 Thanks
    wilsonscouple
    • #3
    • 12th Mar 18, 11:57 AM
    • #3
    • 12th Mar 18, 11:57 AM
    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
    • zx81
    • By zx81 12th Mar 18, 11:59 AM
    • 17,225 Posts
    • 18,307 Thanks
    zx81
    • #4
    • 12th Mar 18, 11:59 AM
    • #4
    • 12th Mar 18, 11:59 AM
    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
    • By sourcrates 12th Mar 18, 12:17 PM
    • 14,310 Posts
    • 13,517 Thanks
    sourcrates
    • #5
    • 12th Mar 18, 12:17 PM
    • #5
    • 12th Mar 18, 12:17 PM
    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.
    Last edited by sourcrates; 13-03-2018 at 12:30 PM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • sourcrates
    • By sourcrates 12th Mar 18, 12:18 PM
    • 14,310 Posts
    • 13,517 Thanks
    sourcrates
    • #6
    • 12th Mar 18, 12:18 PM
    • #6
    • 12th Mar 18, 12:18 PM
    It sounds more like mis borrowing rather than mis selling. Why did you borrow more when you were already missing payments?
    Originally posted by zx81
    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 Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • zx81
    • By zx81 12th Mar 18, 12:19 PM
    • 17,225 Posts
    • 18,307 Thanks
    zx81
    • #7
    • 12th Mar 18, 12:19 PM
    • #7
    • 12th Mar 18, 12:19 PM
    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
    • By Pdiddy82 12th Mar 18, 11:04 PM
    • 9 Posts
    • 5 Thanks
    Pdiddy82
    • #8
    • 12th Mar 18, 11:04 PM
    • #8
    • 12th Mar 18, 11:04 PM
    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
    • By bigisi 13th Mar 18, 8:57 AM
    • 235 Posts
    • 409 Thanks
    bigisi
    • #9
    • 13th Mar 18, 8:57 AM
    • #9
    • 13th Mar 18, 8:57 AM
    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
    Originally posted by Pdiddy82
    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
    • By DCFC79 13th Mar 18, 9:16 AM
    • 31,896 Posts
    • 20,085 Thanks
    DCFC79
    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
    Originally posted by Pdiddy82
    Yet in your first post you said the letter templates on debt camel weren't strong enough.
    • bigisi
    • By bigisi 13th Mar 18, 9:39 AM
    • 235 Posts
    • 409 Thanks
    bigisi
    Yet in your first post you said the letter templates on debt camel weren't strong enough.
    Originally posted by DCFC79
    That isn't the OP.
    • sourcrates
    • By sourcrates 13th Mar 18, 11:32 AM
    • 14,310 Posts
    • 13,517 Thanks
    sourcrates
    Lenders are far from innocent in this issue.

    Let me remind everybody this is an advice forum, people come here for help and not criticism, one day it may be you needing help.

    Please be courteous to all posters.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • Tarambor
    • By Tarambor 13th Mar 18, 5:02 PM
    • 3,033 Posts
    • 2,193 Thanks
    Tarambor
    Christ, don't ask advice on this via this forum, all you get is "It's your own bloody fault!"
    Originally posted by Pdiddy82
    To be fair it is. If you're a tenner short today its is because of a tenner you blew in the past on frivolous spending.

    Nobody forces you to take these loans, nobody forces you to borrow more when you're struggling to repay them. It is your responsibility to not borrow money you can't afford to repay. There are other options if you're struggling and taking out more borrowing is pretty much the worst one to choose.
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