It took QQ and Wonga both a week to obtain back once again to me personally along with their standard reaction. QQ just sent such a thing right straight straight back whether they had received my plaint after a week (having heard nothing I was worried they had “lost” it or it had “gone missing”) because I phoned them up and asked. They asked the four questions that are standard that I reacted by giving absolutely absolutely absolutely nothing straight straight 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.
Longing for an amount that is decent of right back. Having had 33 QQ loans between 2012 and 2015, around 10 wonga and 2 WDA, I invest a fortune that is absolute interest – and solely because to settle the attention every month, I had to borrow once more from another person. We additionally got myself into a scenario where i maxed out my credit and overdraft card AND took away a loan….again, all due to the absurd interest repayments!
This amazing site is therefore helpful! We utilized your template to ntact Wonga, certainly not anticipating much success and 12 days later on (they responded after 2 months saying there is a wait) they offered me personally 1100 inc. interest. I’ve introduced it to your Ombudsman when I paid over 2500 in interest. We told them We was at economic trouble 3 times, they create payment plans and froze interest yet ntinued to lend in my opinion as quickly because the payment plan had been done. We had a need to borrow once more to repay other loan providers. Fingertips crossed the Ombudsman know!
I ntacted another 5 lenders today. Mr Lender replied within an hour or so! They stated my 400 loan that we rolled over 12 times (having to pay 1440 interest) had been affordable but they are happy to provide me personally a 300 goodwill payment (no interest) if we accept within 5 times. I experienced 2 other real time PDLs when I took this away and I also was in a payment plan with Wonga. Must I pursue aided by the Ombudsman? It had been just one loan but rolled over so often times, does that matter?
Many Thanks ahead of time for just about any assistance/advice you are able to share.
Hi simply searching for some advice…. 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 help during the right some time just 19 (the way I got accepted had been beyond me personally). I happened to be overdrawn by my bank by 1900 (arranged) during the time and had 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 will have provided me 670 (which includes the 8% interest), personally i think it is maybe maybe maybe not enough and desire to attend the ombudsman but I’m stressed that when it does not rule within my favor will the offer of 670 perhaps perhaps not stay any longer. I dont desire to go right to the ombudsman and free that cash as it’s nevertheless great deal of cash I’m just hoping that I’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 in order an individual who is achieving the end for this long procedure, I was thinking it might be useful to describe the timelines We have enuntered.
Week 1: plaint built 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 I’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 number of loans, increasing 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, with very little information. QQ as an example they would not respond to needs from Adjudactor. My adjudicator reached a choice during 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, since throughout the duration, QQ thought we would raise the offer by way of a modest quantity, 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. Week 32: QQ transfer the funds
As you care able to see, total timeframe = 7 or 8 months since starting plaint.
This can be a extremely process that is lengthy and that means you need certainly to keep your morale up. used to do feel that perhaps QQ attempted to stall the speed with this, in an attempt to enurage us to accept certainly one of their provides. My plaint began towards the finish of 2015 november. We suspect quality will longer take even now, nsidering exactly just how busy the FSO are, plus the instances using longer become assigned to both Adjudicators and Ombudsmen.
Between ombudsman final decision and them offering four weeks for qq to cover out…..did you need to do any chasing of qq…..or did they simply spend at week 32 with no hassle that is further? Or did they ntact you?
Hi all its. ing up to my 2 months on Monday for quick quid to reply we noticed today that my loan history has vanished !! We have mailed them asking why my history happens to be deleted question i shall get an answer !! someone else had this happen and are usually there any nsequences for this ?
4 days in short supply of my 2 months, i obtained a reply from QQ saying they will provide me personally 200 pounds as a gesture of “goodwill”.
I really believe, in line with the loans We took down, We am due around 4,000
We have simply delivered my details towards the ombudsman – let’s wait and see!
This web site 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 acquire information on loans. I happened to be greeted with an email telling me personally i have already been rejected for the loan at this juncture!! More to the point they immediately completed a Credit Re Re Re Search which includes now shown through to my file. Therefore be familiar with this while you are doing all your digging….
I became wondering if anybody uld help me to down only a little? We borrowed over 12000 with QuickQuid making a plaint. they came ultimately back having a offer of around 500 which personally I think is way too tiny to simply accept. I place this ahead towards the Financial ombudsman who possess looked at this further. In the middle of all of it they recommended 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 the monies owed to.
Dones anyone determine 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
It is rrect. Sorry, the key cash advance reimbursement article (s:debtcamel../payday-loan-refunds/) and pay day loan FAQs have a peek at this website (s:debtcamel../payday-refunds-faqs/) both make it clear that it’s useless to help you make an effort to obtain a reimbursement if you should be of have now been bankrupt.
My plaint against QQ went all of the option to ombudsman degree in the FOS. The ombudsman upheld my plaint and consented with all the adjudicators findings. Should return around 6,800 because of the 8% interest added. QQ have now been given a 15 Sept due date to answer the ombudsman’s choice. QQ string every thing out so long as feasible so all be equipped for a process that is lengthy. Can’t thank you all sufficient and Sara specifically for most of the help and advice from the pages while the ments part.
Hi Ben very good news about your instance, uld we ask just how long for the ombudsman to choose once it absolutely was offered through the adjudicator? I’m waiting when it comes to ombudsman in the minute to consider my instance
When the adjudicator passed the situation to an ombudsman it took three days to obtain a initial choice through. The ombudsman then offered the company a thirty days to answer the decision that is preliminary. Within my case QQ have a 15 Sept due date to react to the initial choice. I’ll update this post once i’ve anymore facts about my situation.
