hi ive had a complete borrowed quantity of14,575 from QQ between may 2009- mar 2011. over this duration we reimbursed a complete of3148 in interest over this era. I have all my statements from QQ everything that is stating had compensated. Will quick quid spend me personally right straight right back for the loans which can be over 6 years old or have actually no chance was got by me of seeing the older loans refunded?

be therefore grateful for the assistance? if anybody has any experience that is past loans over 6 yrs old.

Sara (Financial Obligation Camel) says

Hi Brad, the Financial Ombudsman solution is wanting to choose whether or not to glance at loans over 6 yrs . old and these instances are on hold until it can. You need to get your plaint into QQ asap and get it to then the FOS after 8 days precisely – then if the FOS decides it can’t consider the older loans, you are going to nevertheless have as much as feasible within time.

many many thanks Sara. We went along to qq regarding the 23/8/16 so its just been two weeks up to now. can I get directly to the ombudsman now or await their 8 week reaction. im worried im likely to lose out on the1000s before the 6 12 months mark. Maybe you have heard about the ombudsman having to pay on loans avove the age of 6 years or they simply frozen until they determine what to accomplish?

appreciate your assistance. many many many thanks, Brad

additionally we nevertheless have1200 outstanding I owe with them which

My plaint with QQ got passed away to an adjudicator whom ntacted me personally in the 7th of September seeking my bank statements, credit report and if we had ever told QQ I happened to be in monetary trouble. September they gave me a deadline to reply with the details by 14th. Did you know out it’ll delay my case even more if they put the same deadlines to QQ and, if so, does that mean that if QQ drag it?

Additionally, does anybody have rough notion of just how long it requires for the adjudicator to help make a choice? It is now almost a couple of months since We first plained to QQ therefore it’s actually just starting to drag away :(

Fast Quid get back once again to Adjudicator suggesting they don’t have actually to inquire of nsumer for spending just before 2014. And they shall perhaps maybe not refund any such thing. also adjudicator ruled in my own benefit asking them to settle all interest and 8% returning to 2010. simply interest es to over 10K. maybe perhaps maybe maybe not certain that this might be one of many techniques utilized by Quick quid to drag it much much much much longer.

Sara (Financial Obligation Camel) says

“don’t have actually to inquire of for spending prior to 2014” this argument is comparable to a lender that is payday they didn’t need certainly to credit check you before 2014 that we composed this short article about: s:debtcamel../payday-loan-credit-sres/. It’s theoretically real BUT then QQ should have taken acunt of this, noticed that you were dependent on these loans and stopped lending if you ntinued to borrow from them month after month (which in your case sounds as though it was for a very long time. Or of urse they uld have expected you to definitely provide facts about your ine and spending because they don’t have to do something doesn’t mean they uldn’t do it and this would have been something a responsible lender should have nsidered if they were worried – just.

A loan provider needs to just simply take look at this site acunt of whatever they knew. Should they didn’t understand your spending, they uldn’t simply take acunt of this however they did understand that you’re over and over repeatedly borrowing from their website suggesting the loans had been unaffordable. And so they ignored this.

It seems as if this will be a extremely good instance to decide to try the Ombudsman.

Many Many Thanks Sara, i am going to wait till reaction from adjudicator me know her response as she will have to look at point raised by quick quid and then let. I am hoping adjudicator don’t alter her initial choice and stuck to her initial report. I will be concerned given that she may alter her initial choice.

Sara (Financial Obligation Camel) says

If she does (and ideally she won’t since this isn’t actually a significant argument from QQ) then e straight back here as (a) it is possible to talk about it using the adjudicator and (b) escalate to the Ombudsman degree if required.