Student loans and pensions

Some good news tonight!
I have heard from my adjudicator about my complaint with Sunny. They have upheld my complaint and said Sunny need to repay interest, fees and 8% interest as well as removing anything from my credit report. Not my biggest but still a decent amount which will help so much in my life now.
Fingers crossed my last one with Quickquid also plays out well.
Considering the awful time I had and the mess I got in, which again I admit is part my fault, I have come out the other side and now feel like things are planning out well.

Hi all.. just after some advice if I may.
Made a complaint to Pounds to Pocket and Quickquid (both apparently under CashEuroNet) and receives this reply .. (sorry its quite long)..
“’ve investigated your complaint and would like to bring your attention to the following points:
Under the Financial Conduct Authority’s rules, complaints cannot be made where they concern an event that occurred more than six years ago. Of course, we will still investigate your allegations as they pertain to any loans you have received in the last six years.
DEPENDENCY
If there was dependency we would expect to see constantly increasing amounts in order to cover the prior loan interest and principal. However, your loan amounts varied and actually decreased from the previous loan which shows that you were not relying on one loan to repay the previous loan.
There were large gaps in your borrowing history. There was 350 days between your 6th and 7th loans, further demonstrating that you were not simply taking out one loan to repay the next one.
You are claiming that you were dependent on loans. Yet if you were dependent on taking out one loan to repay the other then you would have taken out numerous loans, for equal or increasing loan amounts, and with very little time between paying off one loan and taking out the other. When I reviewed your loan history I see that you never had more than four consecutive loans with less than 15 days between loans.
HARDSHIP
Finally, our records indicate that at no point did you notify us of any financial detriment or financial hardship. Had you alerted us to your difficult financial situation, we would have put you in “hardship” status, as is our process. We then would have frozen additional fees and interest while we worked with you to find an affordable repayment option.
CONCLUSION: COMPLAINT NOT UPHELD


Thanks for reading... anyone advise on the next step .. thanks in advance !

To anyone who was considering a claim with The Money Shop, I strongly recommend it! I got a final response yesterday from them albeit it took them 15 weeks. They were not able to consider loans before 2007 which is fair enough, but agreed to pay out on all the rest which were all between 2007 and 2010. No fuss, no requesting bank statements, no ombundsman needed and with the 8% interest, I will be receiving just short of £4k after tax! All from one email that took less than 10 minutes to write!

ihave just sent off my first ever claim to FOS. Let’s see how long QuickQuid take. I have uploaded everything I possibly can. All bank statements covering the period I am claiming for, all the statement of loans from QuickQuid, my secret weapon of a credit report from 2014 showing I had defaults and bad arrears when the loans were given to me, and the final response that QQ made to me with the “offer” of £30.

I have dropped off any loans from before 2010 as they amount to about 300 but I am still claiming for just over £2000 for the rest. Fingers crossed! Anyone know how long QQ are taking at the moment with cases with the FOS?

[FONT=&quot]Hi guys, I've had a lot of loans in the past with Wonga, I had to change jobs and took a large cut - I haven’t since about 2013 as it affected my ability to get a mortgage hugely[/FONT]
[FONT=&quot]So avoided like the plague - I still have an account with Wonga, did a password reset as I am interested in totalling up the amounts I had in the past, Conveniently the loan history has disappeared, I wonder if Wonga are wise to this to stop people/put them off reclaiming costs,[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]Thoughts - I've sent them an email asking about previous loan history so I'll post back my findings [/FONT]

previous post -
[FONT=&quot]Hi guys, I've had a lot of loans in the past with Wonga, I had to change jobs and took a large cut - I haven’t since about 2013 as it affected my ability to get a mortgage hugely[/FONT]
[FONT=&quot]So avoided like the plague - I still have an account with Wonga, did a password reset as I am interested in totalling up the amounts I had in the past, Conveniently the loan history has disappeared, I wonder if Wonga are wise to this to stop people/put them off reclaiming costs,[/FONT]

[FONT=&quot]Thoughts - I've sent them an email asking about previous loan history so I'll post back my findings [/FONT]

lets see how this works out -

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From: *******************
Sent: 03 January 2018 14:35
To: Customer Care
Subject: Re: previous loans [ ref:_00D20Mrf2._500D01d3Y6g:ref ]


Afternoon,


Thank you for the reply,


Yes please I would like details of all my previous loans I've had with yourselves, many thanks in advance,


Regards,

******************+


From: Customer Care <customercare@wonga.com>
Sent: 03 January 2018 14:21
To: **************
Subject: previous loans [ ref:_00D20Mrf2._500D01d3Y6g:ref ]


Dear Mr ****

You cannot view the summary of your previous loans on your profile.

Please advise if you would like the details of all loans to be sent to you via email.

If you have any questions, please call us on 0207 138 8330. We’re here to help Monday to Friday 7am to 8pm, Sundays and Bank Holidays 8am to 5pm.

Kind regards,

Customer Care
0207 138 8330
Wonga.com