It took QQ and Wonga both a to get back to me with their standard response week. QQ just sent such a thing straight straight back because we phoned them up and asked if they had received my plaint after per week (having heard absolutely nothing I became concerned that they had “lost” it or it had “gone missing”). They asked the four questions that are standard that I reacted by delivering absolutely absolutely nothing right right right straight back.

We emailed both again(assuming they will read it on Monday which will be 3 weeks) to ask for a progress update (I am so impatient but thought it worth chasing to see if that meant a quicker resolution) today.

Dreaming about an amount that is decent of straight straight right back. Having had 33 QQ loans between 2012 and 2015, around 10 wonga and 2 WDA, we invest a fortune that is absolute interest – and solely because to settle the attention every month, I’d to borrow once again from another person. In addition got myself into a predicament where i maxed out my overdraft AND credit card AND took down a loan….again, all due to the interest that is ridiculous!

This site happens to be therefore helpful! We utilized your template to ntact Wonga, not anticipating much success and 12 days later on (they responded after 2 months saying there is a wait) they offered me personally 1100 inc. interest. We have called it into the Ombudsman when I paid over 2500 in interest. They were told by me i was at economic trouble three times, they put up payment plans and froze interest yet ntinued to lend if you sincek me as quickly while the payment plan had been done. We necessary to borrow once again to settle other loan providers. Fingertips crossed the Ombudsman know!

Today we ntacted another 5 loan providers. Mr Lender replied within an hour or so! They stated my 400 loan if I accept within 5 days that I rolled over 12 times (paying 1440 interest) was affordable but are willing to give me a 300 goodwill payment (no interest. We had 2 other PDLs that are live We took this away and I also was at a payment plan with Wonga. Must I pursue with all the Ombudsman? It had been only 1 loan but rolled over so times that are many does that matter?

Many Many Thanks ahead of time for almost any assistance/advice you’ll share.

Hi simply shopping for some advice…. I took down 18 loans from Wonga in 9months between November 2009 and July 2010. The attention we paid as a whole had been over 1200. I happened to be on Ine help during the some time just 19 (the way I got accepted had been beyond me personally). I became overdrawn by my bank by 1900 (arranged) during the time and had fees and missed bills each month! I’m finally out off most of the financial obligation now and since wrote to Wonga they will have provided me personally 670 (that features the 8% interest), personally i think it is maybe maybe not enough and desire to visit the ombudsman but I’m stressed that when it does not rule within my favor shall the offer of 670 perhaps perhaps not stay any longer. We do not wish to go directly to the ombudsman and free that money since it is nevertheless a complete great deal of income I’m just hoping that I’m eligible for more www.cash-central.com/payday-loans-nj/. Someone else held it’s place in this case.

We notice fast quid resolutions be seemingly a topic that is hot in order an individual who is attaining the end with this long procedure, I was thinking it might be useful to describe the timelines We have enuntered.

Week 1: plaint designed to QQ Week 3: Low provide from QQ Week 8: in the last day’s 8 week duration, last response offering approx 10% of the settlement figure I’d view as realistic Week 8: plaint provided for FOS Week 11: plaint allotted to adjudicator, information from me personally asked for (credit history) Week 15: Quick quid make an offer via FOS for a few loans, enhancing the figure to approx 30% of practical settlement. This implies a delay in FOS procedures for just two months, because of an offer being made. Week 20: Fairly long wait, with very little information. QQ for instance they would not react to needs from Adjudactor. My adjudicator reached a determination during my favor. Week 21: QQ ntest the decision therefore it has to visit Ombudsman Week 24: instance assigned to Ombudsman Week 29: choice from Ombudsman within my favor, that has been actually a lot more than the Adjudicator had proposed. There have been delays in this being carried out, since throughout the duration, QQ thought we would boost the offer by an amount that is modest which resets the clock only a little. Week 30: QQ given 30 days to determine the settlement, eliminate from credit history and move my settlement. Week 32: QQ transfer the funds

As you care able to see, total extent = 7 or 8 months since beginning plaint.

This really is an extremely long procedure, which means you have to maintain your morale up. used to do feel that perhaps QQ attempted to stall the speed with this, in an attempt to enurage us to just accept certainly one of their offers. My plaint began towards the conclusion of 2015 november. We suspect quality will longer take even now, nsidering just how busy the FSO are, in addition to situations using longer become allotted to both Adjudicators and Ombudsmen.

Between ombudsman final decision and them providing four weeks for qq to pay for out…..did you need to do any chasing of qq…..or did they simply spend at week 32 with no hassle that is further? Or did they ntact you?

Hi all its. ing up to my 2 months on for quick quid to reply I noticed today that my loan history has vanished !! I have mailed them asking why my history has been deleted doubt I will get a reply !! Anyone else had this happen and are there any nsequences to this monday ?

4 times in short supply of my 2 months, i obtained a reply from QQ saying they shall offer me personally 200 pounds being a gesture of “goodwill”.

In my opinion, in line with the loans We took down, We am due around 4,000

We have simply delivered my details to your ombudsman – let’s wait and find out!

This website is great! The other day we began the entire process of plaining about unaffordable loans with 8 payday lenders between 2010-2013, including QQ. FYI I tried to log on to my old fast Quid acunt to have information on loans. I became greeted with an email telling me personally i have already been rejected for the loan at this juncture!! more to the point they immediately performed a Credit Re Search that has now shown through to my file. Therefore know about this when you’re doing all of your digging….

I became wondering if anybody uld assist me personally down only a little? We borrowed over 12000 with QuickQuid making a plaint. they returned having a offer of around 500 which i’m is way too tiny to simply accept. We place this ahead to your Financial ombudsman who possess looked at this further. In the middle of all of it they encouraged me personally that because We went bankrupt in April this present year because of monetary restraints the monies owed for me will never e to myself straight and it is probably be compensated to my trustee.

Dones anyone understand if this can be real? And it is here any real method for this? The fast Quid debts ended up being all cleared before we went bankrupt.

Sara (Financial Obligation Camel) says

This will be rrect. Sorry, the primary cash advance reimbursement article (s:debtcamel../payday-loan-refunds/) and pay day loan FAQs (s:debtcamel../payday-refunds-faqs/) both make it clear that it’s useless for you yourself to you will need to obtain a reimbursement if you should be of have already been bankrupt.

My plaint against QQ moved all of the real solution to ombudsman degree during the FOS. The ombudsman upheld my plaint and consented utilizing the adjudicators findings. Should reunite around 6,800 with all the 8% interest added. QQ have now been provided a 15 Sept due date to answer the ombudsman’s choice. QQ string every thing out provided that feasible so all be equipped for a long procedure. Can’t thank you all sufficient and Sara particularly for all of the help and advice because of these pages and also the ments area.

Hi Ben great news about your situation, uld we ask just how long when it comes to ombudsman to determine once it absolutely was handed down through the adjudicator? I’m waiting when it comes to ombudsman in the brief minute to consider my instance

When the adjudicator passed the actual situation to an ombudsman it took three months to obtain a decision that is preliminary. The ombudsman then offered the business enterprise a thirty days to answer the decision that is preliminary. Within my case QQ have a 15 Sept due date to react to the initial choice. I’ll upgrade this post once i’ve anymore informative data on my situation.