It took Q and Wonga both a week to have back once again to me with regards to standard reaction. QQ just sent such a thing straight straight straight back because we phoned them up and asked whether or not they had gotten 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 standard concerns, that I reacted by delivering absolutely nothing right right 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 a decent amount of cash straight right straight back. Having had 33 QQ loans between 2012 and 2015, around 10 wonga and 2 WDA, we invest a complete fortune on interest – and solely because to settle the attention every month, I’d to borrow once again from somebody else. In addition got myself into a scenario where i maxed out my overdraft AND credit card AND took down a loan….again, all due to the interest that is ridiculous!

This amazing site happens to be therefore helpful! We utilized your template to ntact Wonga, certainly not anticipating much success and 12 months later on (they responded after 2 months saying there is a wait) they offered me personally 1100 inc. interest. It has been referred by me to your Ombudsman when I paid over 2500 in interest. We told them We was at economic trouble three times, they put up payment plans and froze interest yet ntinued to lend in my experience as quickly once the repayment plan ended up being done. We needed seriously to borrow once more to repay other loan providers. Fingertips crossed the Ombudsman know!

I ntacted another 5 lenders today. Mr Lender responded 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 because of the Ombudsman? It had been just one loan but rolled over so often times, does that matter?

Many Many Thanks ahead of time for almost any assistance/advice you can easily share.

Hi simply shopping for some advice…. We took out 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 in the right some time just 19 (the way I got accepted ended up being beyond me personally). I became overdrawn by my bank by 1900 (arranged) at that time together with fees and missed bills on a monthly basis! I’m finally out off most of the financial obligation now and since wrote to Wonga they usually have provided me personally 670 (that features the 8% interest), personally i think it is maybe maybe maybe not enough and need to attend the ombudsman but I’m stressed that when it does not rule in my own favor shall the offer of 670 maybe perhaps maybe not stay any longer. We do not would you like to go directly to the ombudsman and loose that cash as it’s nevertheless great deal of cash I’m just hoping that I’m eligible for more. Other people held it’s place in this example.

We notice fast quid resolutions appear to be a topic that is hot in order a person who is achieving the end of the long procedure, I was thinking it might be beneficial to describe the timelines We have enuntered.

Week 1: plaint meant to QQ Week 3: Low provide from QQ Week 8: regarding the last day’s 8 week duration, last response offering approx 10% of a 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 small number of loans, enhancing the figure to approx 30% of practical settlement. What this means is a delay in FOS procedures for just two months, because of an offer being made. Week 20: Fairly long wait, without much information. QQ as an example they didn’t react to demands from Adjudactor. My adjudicator reached a choice within my favor. 21: QQ ntest the decision so it needs to go to Ombudsman Week 24: Case allocated to Ombudsman Week 29: Decision from Ombudsman in my favour, which was actually more than the Adjudicator had proposed week. There have been delays in this being done, because throughout the duration, QQ decided to boost the offer by way of a modest quantity, which resets the clock just a little. Week 30: QQ given 30 days to determine the settlement, eliminate from credit report and move my settlement. Week 32: QQ transfer the funds

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

This will be a really process that is lengthy and that means you want to maintain your morale up. used to do online payday OR feel that perhaps QQ attempted to stall the speed of the, in an attempt to enurage me personally to simply accept certainly one of their provides. My plaint began to the end of November 2015. We suspect quality will simply take also longer now, nsidering exactly just how busy the FSO are, while the instances using longer become assigned to both Adjudicators and Ombudsmen.

Between ombudsman final decision and them offering four weeks for qq to pay for out…..did you should do any chasing of qq…..or did they simply spend at week 32 with no further hassle? 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 will provide me 200 pounds as being a gesture of “goodwill”.

I really believe, in line with the loans We took down, We am due around 4,000

I’ve simply delivered my details towards the ombudsman – let’s wait and find out!

This web site is great! A week ago we began the entire process of plaining about unaffordable loans with 8 payday lenders between 2010-2013, including QQ. FYI I tried to get on my old fast Quid acunt to acquire information on loans. I became greeted with an email telling me personally i’ve been rejected for the loan at this juncture!! More to the point they immediately performed a Credit Re Re Search that has now shown through to my file. Therefore be familiar with this when you’re doing all your digging….

I became wondering if anybody uld assist me personally down a little? We borrowed over 12000 with QuickQuid making a plaint. they came ultimately back with a offer of approximately 500 which personally I think is way too tiny to just accept. We place this ahead to your Financial ombudsman who’ve looked at this further. In the middle of all of it they suggested me personally that because We went bankrupt in April this present year as a result of economic restraints the monies owed to me personally will never e to myself straight and it is probably be compensated to my trustee.

Dones anyone understand if this really is real? And it is here any real means surrounding this? The fast Quid debts had been all cleared before we went bankrupt.

Sara (Financial Obligation Camel) says

That is rrect. Sorry, the key pay day loan reimbursement article (s:debtcamel../payday-loan-refunds/) and cash advance FAQs (s:debtcamel../payday-refunds-faqs/) both make it clear for you to try to get a refund if you are of have been bankrupt that it is pointless.

My plaint against QQ went all of the real option to ombudsman degree during the FOS. The ombudsman upheld my plaint and consented using the adjudicators findings. Should reunite around 6,800 with all the 8% interest added. QQ are provided a 15 Sept deadline to answer the ombudsman’s choice. QQ string every thing out so long as feasible so all be ready for a process that is lengthy. Can’t thank you all sufficient and Sara particularly for all of the advice which help from all of these pages and also the ments area.

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

After the adjudicator passed the scenario to an ombudsman it took three days to obtain a initial choice through. The ombudsman then offered the business enterprise per month to answer the decision that is preliminary. During my case QQ have a 15 Sept due date to react to the decision that is preliminary. I’ll upgrade this post once i’ve anymore facts about my situation.