Great news is this QQ? Any concept just how much it is planning to total up to?

Yes sorry .. QQ .. It’s 1437 plus 8% for 4 years X

Duane Castleman says

Did they provide you such a thing on the final reaction first? They did in my opinion but we almost dropped down my seat laughing whenever I see clearly!!

Yes I think about 300 .

This has been therefore helpful We have delivered the 2nd e-mail if I am honest as I just need these defaults off my account they are ruining my chances of buying a house as I had all the loans on my credit file to PDUK and QQ hoping I get a response back anything will be a bonus.

Just gotten this today. The could be the respond to the letter that is template ? Does not add up ? Anybody had this of can provide me some advice many thanks for the inquiry as well as your persistence although we conducted our research. We have been needed to make sure your credit history is as much as date. Our responsibility to report and improve your loan information to credit guide agencies is defined forth inside our online privacy policy. Please bear in mind, in case your payment that is contractual agreement perhaps maybe not honoured, this might affect your credit history adversely, including a standard being registered.

Our documents indicate loan 1666952 and loan 1772628 contractual repayment dates had been maybe perhaps not honoured. We reached away to you many times to e to a payment that is affordable; nonetheless, all tries to find the right re payment arrangement went unanswered. You were supplied with that loan of 400.00 GBP on 02/08/2010. Your loan ended up being extended a complete of 4 times. Your final expansion charge re payment and payment that is final never gotten in full. Which caused the mortgage to default and later used in a 3rd party collection agency.

With the defaults were said by this being registered is accurate and can maybe perhaps perhaps not eliminated.

Since this will be our last reaction with regards to your issues into the above referenced account, that you are aware of the ultimate availability of the Financial Ombudsman Service if you are not happy with this oute I need to ensure. There is the directly to refer your plaint towards the Financial Ombudsman provider, totally free however you should do therefore within 6 months associated with date of the page. If you fail to refer your plaint with time, the Ombudsman won’t have our authorization to think about your plaint therefore is only going to manage to do this in not a lot of circumstances. For instance, in the event that Ombudsman thinks that the wait ended up being as being outcome of exemplary circumstances. I’ve supplied you with a hyperlink to your leaflet for the information to help you if you choose to pursue this course that is further of. They could be contacted at

Sara (Financial Obligation Camel) says

By mistake as you have just sent off the plaint, I am wondering if this should actually be addressed to someone else and it has e to you? Do the loan is recognised by you figures / dates they mention?

Hi Sara, Everybody

We haven’t updated in some time but have always been very happy to say a refund was got by me of just below 3k from Wonga following the matter went along to an Ombudsman (they ignored the adjudicator). The entries have already been taken out of my credit score but I’m surprised to look at rating (that we realize is basically worthless anyhow but nevertheless) has brought a battering that is absolute. I was thinking having these entries eliminated would do miracles for my credit history??

Additionally recently had a judgement from an Ombudsman according of Quickquid. Am expecting over 3k right straight back they take to pay out from them- any ideas how long? It’s been a now and not a word from them despite my repeated emails to them week. Many Thanks all. Jo

Sara (Financial Obligation Camel) says

Until you had defaults or want to get a home loan, having paid back loans that are payday does not enhance your rating much.

Good to know the Ombudsman upholding another QQ plaint.

Hi, the same as to say that Wonga have actually released me personally having a 3512 reimbursement and I have accepted. I might have in all probability been eligible for significantly more than that but i recently desired the nightmare to finish. To not ever bad times scales 6 months from initial plaint

I will be along the way with QQ. However they seem to there be dragging heels a little.

I will be reviewing how many other panies caused me therefore much difficulty and despair.

Sara (Financial Obligation Camel) says

great – you will be the person that is second to obtain an offer in less than 2 months 🙂

Quickquid took over 2 months to have back into me personally making an offer we expected of 150 from reading these articles. They were told by me where you should go and left it because of the Ombudsman whom upheld the plaint and awarded me around 1700. QQ took about 10 times to spend once I expected them to simply take the full 30 days that are working.

Congrats. QQ did exactly the same in my experience offered me 150 therefore it’s gone towards the ombudsman.

This web site is great! After reading most of the ments and success tales on right here, we made a plaint to QQ. They took the entire 2 months in order to make an offer of 150. We rejected their offer and contacted the ombudsman – within 30 days an offer is had by me of 1894.30 . ? Ombudsman stated they couldn’t make sure all of the loans had been unaffordable however they could see we had bee based upon them ? Simply awaiting repayment now

Sara (Financial Obligation Camel) says

Exemplary – ended up being this from an Adjudicator or achieved it need to head to Ombusdman degree?

Just the adjudicator. I experiencedn’t supplied any bank find this statements or payslips like QQ had expected either, simply my page of plaint.

I acquired the questionnaire that is standard QQ and p2p today simply over per week after seeking soa. Sent an image of payslip showing my wage slip can’t find bank statement. Additionally told them i acquired template page from a financial obligation advise web web page no name mentioned as nothing at all to do with them. Simply have to relax and wait now! Also payday express contacted me wanting us to verify email ? Simply wonga to reply now others have actually answered roll on sept whenever it will all be sorted could keep updated when I get info and ideally provides

Nearly three weeks hence, we delivered down plaints to QQ and also to Wonga. Today, we delivered another one off to Wage Day Advance – we thought the attention on that loan ended up being reasonable however when we looked straight straight right back I became repaying 94 four weeks for just two years….and the initial loan had been for 300!