It took QQ and Wonga both a to get back to me with their standard response week. QQ just sent such a thing straight right back whether they had received my plaint after a week (having heard nothing I was worried they had вЂњlostвЂќ it or it had вЂњgone missingвЂќ) because I phoned them up and asked. 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 an amount that is decent of straight back. Having had 33 QQ loans between 2012 and 2015, around 10 wonga and 2 WDA, we invest a complete fortune on interest вЂ“ and solely because to settle the attention every month, I experienced to borrow once again from some other person. We additionally got myself into a predicament where i maxed out my credit and overdraft card AND took away a loanвЂ¦.again, all due to the interest that is ridiculous!
This amazing site happens to be so helpful! We utilized your template to ntact Wonga, not necessarily anticipating success that is much 12 days 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 into the Ombudsman when I paid over 2500 in interest. They were told by me i was at monetary trouble three times, they arranged payment plans and froze interest yet ntinued to lend for me as quickly once the payment plan had been done. We had a need to borrow once again to settle other loan providers. Fingertips crossed the Ombudsman know!
Today we ntacted another 5 loan providers. Mr Lender responded within one hour! They stated my 400 loan that we rolled over 12 times (spending 1440 interest) had been affordable but they are prepared to provide me personally a 300 goodwill repayment (no interest) if we accept within 5 days. I experienced 2 other PDLs that are live We took this away and I also was at a payment plan with Wonga. Do I need to pursue because of the Ombudsman? It had been only 1 loan but rolled over so often times, does that matter?
Many Thanks ahead of time for almost any assistance/advice you can easily share.
Hi simply in search of some adviceвЂ¦. We took down 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 happened to be on Ine support 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) at that time and had fees and missed bills on a monthly basis! IвЂ™m finally out off most of the financial obligation now and since wrote to Wonga they will have offered me personally 670 (which includes the 8% interest), personally i think it is maybe maybe maybe not enough and desire to visit the ombudsman but IвЂ™m stressed that when it does not rule in my own favor shall the offer of 670 perhaps maybe perhaps perhaps not stand any longer. We do not desire to go right 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. Someone else held it’s place in this case.
We notice fast quid resolutions be seemingly a topic that is hot so as an individual who is attaining the end of the long procedure, We thought it could be beneficial to describe the timelines We have actually enuntered.
Week 1: plaint meant to QQ Week 3: Low provide from QQ Week 8: From 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 assigned 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, increasing the figure to approx 30% of practical settlement. What this means is a delay in FOS procedures for just two days, because of an offer being made. Week 20: Fairly long wait, with very little information. QQ for instance they failed to react to demands from Adjudactor. My adjudicator reached a determination 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 thought we would boost the offer with an amount that is modest which resets the clock only a little. 30: QQ given 4 weeks to calculate the settlement, remove from credit file and transfer my settlement week. 32: QQ transfer the funds week
As you can plainly see, total length = 7 or 8 months since beginning plaint.
This is certainly an extremely process that is lengthy so that you want to keep your morale up. used to do feel that perhaps QQ attempted to stall the speed for this, in an attempt to enurage me to simply accept certainly one of their provides. My plaint began towards the end of 2015 november. We suspect quality will longer take even now, nsidering exactly just just how busy the FSO are, while the instances using longer become allotted to both Adjudicators and Ombudsmen.
Between ombudsman final decision and them providing four weeks for qq to pay for outвЂ¦..did you need to do any chasing of qqвЂ¦..or did they simply pay at week 32 without having any 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 acquired a reaction from QQ saying they will provide me personally 200 pounds as being a gesture of вЂњgoodwillвЂќ.
In my opinion, on the basis of the loans We took down, We am due around 4,000
I’ve simply delivered my details towards the ombudsman вЂ“ letвЂ™s wait and discover!
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 log on to my old Quick Quid acunt to get information on loans. I became greeted with an email telling me i’ve been rejected for the loan at this juncture!! more to the point they immediately completed a Credit Re Re Search which includes now shown through to my file. Therefore know about this while you are doing all of your diggingвЂ¦.
I happened to be wondering if anybody uld assist me personally down a little? We borrowed over 12000 with QuickQuid making a plaint. they came ultimately back by having a offer of approximately 500 which personally I think is way too tiny to just accept. We place this ahead towards the Financial ombudsman that have looked at this further. In the middle of all of it they suggested me that me would not e to myself directly and is likely to be paid to my trustee because I went bankrupt in April this year due to financial restraints http://title-max.com/payday-loans-ok the monies owed to.
Dones anyone understand if this is certainly real? And is here any method for this? The fast Quid debts ended up being all cleared before we went bankrupt.
Sara (Financial Obligation Camel) says
It is rrect. Sorry, the main pay day loan refund 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 solution to ombudsman degree during the FOS. The ombudsman upheld my plaint and consented utilizing the adjudicators findings. Should return around 6,800 because of the 8% interest added. QQ are offered a 15 Sept due date to answer the ombudsmanвЂ™s choice. QQ string every thing out provided that feasible so all be equipped for a process that is lengthy. CanвЂ™t thank you all sufficient and Sara particularly for most of the advice which help because of these pages therefore the ments area.
Hi Ben great news about your instance, uld we ask just how long when it comes to ombudsman to choose once it absolutely was handed down through the adjudicator? IвЂ™m waiting for the ombudsman during the brief moment to check out my situation
After the adjudicator passed the scenario to an ombudsman it took three days to obtain a decision that is preliminary. The ombudsman then provided the business enterprise four weeks to answer the initial choice. Within my case QQ have a 15 Sept due date to react to the initial choice. IвЂ™ll upgrade this post once i’ve anymore facts about my instance.