Student loans and pensions

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Comments

  • Akelly
    Akelly Posts: 43 Forumite
    First Anniversary First Post
    But I'd like to add. I rang up 4 weeks ago and got told them MYJAR had offered me something but waiting for an adjudicator to have it. She says she isn't in charge of MYJAR complaint but another one. Sunny. Until today when I asked for an update on the others. Knowing fine well MYJAR had offered a refund on the other loans I had with them.
  • It's mad it's such a long winded process given the fact payday loans are do quick to send us loans.....10 minutes later it's in your acc lol.

    It's so nice to talk with someone going through the same situation. Have you actually recieved any refunds to date? Quickquid were really quick getting back to me once I sent my full complaint 3 days later they came back with an offer which was honestly was pathetic I was not impressed but read it as they want to shut me up quickly so I wouldn't go to FOS......which I did straight away haha.

    I hope you get your myjar refu nd sorted keep us updated.

    Amy x
  • I learnt don't take out finance that can't be afforded and live with your actions. No?
  • True, and i've learnt if you don't ask you don't get.

    Payday loans were not carrying out basic checks early on which is what I'm referring to.

    If a refund is given great if not at least I tried.

    The FOS are taking on these cases so clearly irresponsible lending was being done.
  • Akelly
    Akelly Posts: 43 Forumite
    First Anniversary First Post
    So I've spoken to the Finicinal ombudsman or FO I'll call them. They have said I should really take the pathetic 61.86 my jar are offering me and the rest of the refund 686 should go towards my outstanding balance. If I decide to not accept this... Then it will go to another adjudicator and could take a further 4 months.

    However they then told me that they have not requested any files from MYJAR so the amount they are offering me.. To me would mean it might not even be correct. I've put a complaint in in regards to this as for 4 months is when all the information should have been gotten before it went to an adjudicator and they are telling me that wasn't the case for MYJAR.

    I've got mental health problems and I'm. Bipolar so I've informed them that I extremely distressed at the lack of everything in regards to my case that I will be refusing the money. That I want the money on my bank not in MYJAR and stepchange are still making payments to them.

    Im absolutely exhausted to say the least
  • Hi, I am looking to reclaim money back from payday loans I took out in 2011-2012 and 2015-2016, is it worth going through a third party company to reclaim or to try myself?
  • Willing2Learn
    Willing2Learn Posts: 6,294 Forumite
    First Anniversary Name Dropper First Post Photogenic
    Hi Joeyr1,
    Why pay someone to do it, when you can do it yourself? Follow the guidance and use the letter templates at DebtCamel :)


    https://debtcamel.co.uk/payday-loan-refunds/
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    :smiley:
  • bmws1985
    bmws1985 Posts: 10 Forumite
    HI everybody am in the process of claiming my payday loans back and unfortunately used a broker for half of my loans before I saw the template letters on debtcamel. I am now chasing half and the claims company the other half. My question is this who has had success with loans,

    OVER 6 years old with,
    WDA
    Sunny Loans
    Wonga
    My Jar

    Under 6 years with
    Pounds to pocket
    Quickquid
    Peachy
    Payday Express
    PDUK

    thanks
  • LOVEHB
    LOVEHB Posts: 36 Forumite
    First Anniversary Combo Breaker
    Dura wrote: »
    I learnt don't take out finance that can't be afforded and live with your actions. No?

    This is supposed to be a non judgemental forum. Your comment is unhelpful and unwelcome.
  • LOVEHB
    LOVEHB Posts: 36 Forumite
    First Anniversary Combo Breaker
    I am in the process of dealing with Sunny aka Elevate Credit and Lending Stream.

    After requesting a subject access request I am absolutely mortified to find that I was allowed 21 loans with Sunny over a period of 17 months! I paid over £1000 in interest, hindsight is a wonderful thing but I now know that I was on a very slippery slope and I wish I had never done it.

    Lending stream sent me a load of info but it was essentially jargon (i have found they like to make it difficult for you to decipher) i will go back and re read to see if i can make out how much interest i actually paid them. Good luck to everyone trying to claim back unfair charges!!! :)
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