It took QQ and Wonga both a week to have back again to me personally along with their standard reaction. QQ just sent such a thing straight straight right right 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 вЂњlostвЂќ it or it had вЂњgone missingвЂќ). They asked the four standard concerns, that I reacted by delivering absolutely absolutely nothing straight back.
We emailed both once more today (presuming they’ll read it on Monday which is 3 months) to inquire of for the progress enhance (i will be therefore impatient but thought it well worth chasing to see if it meant a faster resolution).
Longing for a decent amount of cash right straight back. Having had 33 QQ loans between 2012 and 2015, around 10 wonga and 2 WDA, we invest a total fortune on interest вЂ“ and solely because to settle the attention every month, I’d to borrow once more from somebody else. We additionally got myself into a predicament where i maxed out my overdraft AND credit card AND took away a loanвЂ¦.again, all due to the interest that is ridiculous!
This site was therefore helpful! We utilized your template to ntact Wonga, 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. I 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 setup payment plans and froze interest yet ntinued to lend in my opinion as quickly while the payment plan had been done. We needed seriously to borrow once more to settle other lenders. Fingertips crossed the Ombudsman understand!
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. Can I pursue aided by the Ombudsman? It had been only 1 loan but rolled over so often times, does that matter?
Many Many Thanks ahead of time for just about any assistance/advice you are able to share.
Hi simply in search of some adviceвЂ¦. We took away 18 loans from Wonga in 9months between 2009 and July 2010 november. The attention we paid as a whole ended up being over 1200. I became on Ine help during the some time just 19 (the way I got accepted ended up being beyond me personally). I happened to be overdrawn by my bank by 1900 (arranged) at that time together with costs and missed bills each month! IвЂ™m finally out off most of the debt now and since wrote to Wonga they’ve provided me personally 670 (that features the 8% interest), personally i think it is maybe maybe not enough and need to visit the ombudsman but IвЂ™m stressed that when it does not rule during my favor shall the offer of 670 maybe perhaps perhaps perhaps not stay any longer. We do not would you like to go directly to the ombudsman and free that cash because it’s nevertheless a complete great deal of cash IвЂ™m just hoping that IвЂ™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 attaining the end for this long procedure, I was thinking it may possibly be beneficial to describe the timelines We have enuntered.
Week 1: plaint built 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 IвЂ™d view as realistic Week 8: plaint provided for FOS Week 11: plaint allotted to adjudicator, information from me personally asked for (credit report) 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, as a result of an offer being made. Week 20: Fairly long wait, without much information. QQ as an example they would not react to demands from Adjudactor. My adjudicator reached a choice in my own 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 carried out, because throughout the duration, QQ thought we would raise the offer by way of a modest quantity, which resets the clock just a little. 30: QQ given 4 weeks to calculate the settlement, remove from credit file and transfer my settlement week. Week 32: QQ transfer the funds
As you can plainly see, total extent = 7 or 8 months since beginning plaint.
This is certainly a rather process that is lengthy so that you have to maintain your morale up. used to do feel that perhaps QQ attempted to stall the speed for this, in an attempt to enurage me personally to just accept certainly one of their provides. My plaint began to the conclusion of November 2015. We suspect quality will just take also longer now, nsidering exactly exactly just how busy the FSO are, and also the instances taking longer become allotted to both Adjudicators and Ombudsmen.
Between ombudsman final decision and them providing four weeks for qq to cover outвЂ¦..did you should do any chasing of qqвЂ¦..or did they simply spend at week 32 without having any further hassle? Or did they ntact you?
Hi all its. ing up to my 2 months on Monday for fast quid to reply we noticed today that my loan history has vanished !! i’ve mailed them asking why my history was deleted question i shall get an answer !! someone else had this happen and are usually there any nsequences for this ?
4 times in short supply of my 2 months, i obtained a reaction from QQ saying they shall provide me personally 200 pounds as being a gesture of вЂњgoodwillвЂќ.
In my opinion, in line with the loans We took down, I am due around 4,000
We have simply delivered my details towards the ombudsman вЂ“ letвЂ™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 get on my old fast Quid acunt to have information on loans. I became greeted with an email telling me personally i’ve been refused for a financial 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 if you are doing all your diggingвЂ¦.
I became wondering if anybody uld help me to away just a little? We borrowed over 12000 with QuickQuid making a plaint. they returned having a offer of approximately 500 which personally I think is way too little to just accept. We place this ahead into the Financial ombudsman who possess looked at this further. In the middle of all of it they have a peek at the web-site encouraged me that because We went bankrupt in April this season as a result of economic restraints the monies owed to me personally will never e to myself straight and it is apt to be compensated to my trustee.
Dones anyone understand if that is real? And is here any method surrounding this? The fast Quid debts ended up being all cleared before we went bankrupt.
Sara (Financial Obligation Camel) says
This can be rrect. Sorry, the primary pay day loan reimbursement article (s:debtcamel../payday-loan-refunds/) and pay day loan FAQs (s:debtcamel../payday-refunds-faqs/) both make it clear it is useless to help you make an effort to obtain a reimbursement if you should be of have already been bankrupt.
My plaint against QQ went most of the solution to ombudsman degree during the FOS. The ombudsman upheld my plaint and agreed aided by the adjudicators findings. Should reunite around 6,800 aided by the 8% interest added. QQ have already been offered a 15 Sept due date to answer the ombudsmanвЂ™s choice. QQ string every thing out so long as feasible so all be equipped for a long procedure. CanвЂ™t thank you all sufficient and Sara particularly for most of the advice which help from all of these pages therefore the ments area.
Hi Ben great news about your instance, uld we ask just how long for the ombudsman to choose once it absolutely was handed down through the adjudicator? IвЂ™m waiting when it comes to ombudsman in the brief minute to check out my situation
When the adjudicator passed the way it is to an ombudsman it took three days to obtain a decision that is preliminary. The ombudsman then offered the company a thirty days to answer the decision that is preliminary. In my own case QQ have a 15 Sept due date to answer the initial choice. IвЂ™ll upgrade this post once i’ve anymore home elevators my situation.