Hi dx, they won't do anything unless Wonga have had 8 weeks, as they view it as a separate complaint to my original one last year. I emails the adjudicator the second Moorcroft got in touch and to be fair to her, se responded straight away, chased up Wonga to see what they were doing (after the New Year) and emailed me back. She saw this as a new complaint but added the info to my original one. If i don't get something I feel is a suitable response then I will be looking at a complaint with the FOS (although complaints seem to be taking 3 months to be picked up at the moment), send everything to the FCA and see what i can do through MCOL. I'm sure a newspaper or 2 might be interested too!

I have a screen shot of my Next account stating that it was suspended due to adverse info on my file. I also spoke to MBNA who would not remove the suspension my credit card account for the same reason. I have a letter from them telling me that this is why my account is suspended. I no longer believe a word Wonga say, couldn't trust them to investigate my complaint properly and believe that no matter how much info I send them about the effect this has had on me, they aren't taking this seriously. I suspect on Feb 15th when the 8 weeks is up I won't get a response as they are inundated with complaints. I can't possibly think why! I haven't even had an apology in writing yet. Although I do get mad at times, and especially so with this, i'm more than happy to get even, sadly this may have to be through MCOL. I have no idea what a suitable compensation would be though. Any ideas or cases studies would be great

Thanks for the quick response I have the confirmation email from the adjudicator on 31st August that stated what they should do. They didn't argue with any of it. They left the first 3 loans on my credit file, which was as the adjudicator said. They confirmed to the FOS they would work to the proposal put to them by the adjudicator, this was on the 25th September. I received the confirmation calculation on the 3rd October 2017 and that was the last communication I had from Wonga until Moorcroft emailed me on the 19th December. In that time I received no phone calls (my mobile hasn't changed since 2005), no emails and no letters in the post. Wonga claimed they had rang me and had a list of when, so I asked for a copy of this but was told I would have to pay £10 for SAR! I have quite a lot of Experian credit files but Wonga don't report on there. I only set Noddle back up once Moorcroft got in touch, and also my Equifax report (the last one I had is a fews years old unfortunately)

I am after some advice please if possible Having had a number of loans with Wonga I eventually reached a point I could no longer afford to make the large payment back on my last loan, taken out in February of last year. Before the payment was due at the end of March I raised a complaint of unaffordable lending and asked for a payment plan offering an amount I could afford to pay. Wonga sent me an I&E sheet which I completed and sent back, then I heard nothing from them. Next message was a couple of months later with a threat of court if I didn't pay, which was a surprised as i'd offered an amount that they never came back to me on After that a payment plan was agreed and I made 2 payment towards to loan. In the meantime my complaint was rejected by Wonga, sent to the FOS where it was upheld and Wonga agreed to a refund of £2.5k, although £850 would be used to pay off the outstanding loan and all negative information removed from my credit account. Not an issue, all sorted, balance was paid back to me at the start of October In mid December I was contacted by Moorcroft about an outstanding loan with Wonga. I logged into my Wonga account and it showed I still had an outstanding loan. I then checked my Noddle report (I usually look at Experian but Wonga don't report to that). My credit report showed not only was my loan not paid off, but showed as defaulted in July. I contacted Wonga who at first told me that the last loan hadn't been part of the arrangement (utter rubbish) but they would look into this. Over the last few months of the year I had an MBNA credit card suspended and a catalogue account suspended due to "adverse information on my account" Now Wonga have admitted they should have removed the loan and have asked Equifax and Call Credit to delete this. Now that would be great if they hadn't done so much damage to my credit over the last 5 months. Also looking at my Equifax file it shows my loan a month in arrears in Nov 2016 and then 2 months in Dec, up to 4 months in arrears. All this before I even opened in the loan at the end of Feb. The loan shows as AP (?) from March to June 2017 and then defaulted in July 2017, which is all total lies Where do I stand with this? I'm absolutely furious with Wonga, but currently stuck in their 8 weeks complaints procedure (again), but this whole saga is a shambles. I have all of this documented on email. Any advice would be great

Hi all I didn't actually do much with this complaint back in 2013 as I still had arrears on the mortgage and didn't need the hassle. With getting myself into a payday mess too, I kind of buried my head on the whole mortgage thing until I was a couple of months in arrears Now i'm clear of all that, had some refunds that have helped me out and intend on staying the right way with finances going forward. My mortgage is up to date as of this month for the first time in a while. However like many people on here my mortgage was sold by GE Money Home Lending to Kensington in May of this year. Letter dated the 9th May arrived on the 13th telling me my mortgage would transfer on the 12th!! Thanks for the notice. What Kensington do have is a nice website I can pay my mortage through so I don't have to have a DD set up, and all my payment info etc is available 24hrs per day. What it does show is that I have £0 in arrears but other amounts due of £3,389.41. This is all £40/£50 arrears fees and the interest applied. I have no intention of paying this rip off amount as I know the charges are nothing less than disgraceful and do not for 1 second represent the cost to GE Money. Now i'm up to date, the telephone calls and letters have stopped, I want to get this all sorted. Do I complain to GE Money or to Kensington? I told the nice lady on the phone at Kensigton I had no intention of paying that money as she said I had to take it up with G E Money. Would this be correct. Happy to have my day in court with them, esp if they no longer have my mortgage

If you are looking on-line then click on the loan ID in blue. This then shows a quick snap shot of the loan itself. Loan Amount is the amount borrowed and Loan Fee is the interest. If you had any loyalty discounts they show under Discount Amount and come off the loan fee to give you the amount you paid as interest e.g. Loan Amount £1300 Loan Fee £260 Discount Amount £52 Total repaid £1508 Also note that if you changed to a flexi account with QQ, this information is not stored on their website, just pay day loans. My loan info stopped at the end of 2012, but I still borrowed from QQ up the end of 2014 and was paying my flexi loan into 2015

Hi, Firstly, read through the other threads relating to QQ on here to get a feel of how things might work. Then you need to pull all your information together, get a copy of your credit report and tailor a complaint letter or email to QQ themselves. Send any email to complaint@quickquid.co.uk This complaint should be in your own words, not using a template, and say why you believe that QQ lent money to you irresponsibly. Was there a constant pattern of loans, were many of these rolled over? Quick quid will have all these as new loans on their web page but many are rollovers. Did they increase your limit to a point you couldn't afford, despite doing no checks? Once you send in your complaint, sit back and wait. They have 8 weeks to come back to you before you can go to the FOS. I can pretty much guarantee that they will offer nothing or a token gesture, as I've not seen anyone get any response from QQ or P2P which are part of the same business. Once the 8 weeks is up, or they send you a final response (whichever comes first) you can send your complaint to the FOS. During this time I would use it to collate bank statements and details on other commitments, copy letters and emails of correspondence and generally have everything an adjudicator might require should our complaint go to the FOS. Did you have any other PDL at the same time, late payment markers, CCJ's or a low income and high outgoing that a payday lender should have seen if they had done proper checks?

Did you get anywhere with your complaint Multay?

Hi all, sorry not been on My case became quite interesting with going back and forward with the adjudicator. She eventually found in my favour from 2010 through to the end of the QQ loans in 2012 and asked Casheuronet to refund me the interest paid and 8%. This is where my loans went from £750 per week to £1350. It was from when I asked QQ for a refund so was happy with this. She decided that the Pounds to Pocket loans were affordable as they were a much lower amount per month, and I earned a good wage (I did) so despite QQ and P2P being the same company, they did for a long time operate separately. I have to be honest I agreed with her, my salary was well over £2k per month, so a payment of £180 per month shouldn't have hurt me, but the QQ repayments of £1700 definitely did! The findings went back to QQ and they decided to agree with her. The said they would repay the interest from June 2010, remove the loans from credit file, but use some of my refund to pay off my outstanding P2P loan, which is a bit cheeky as its up to date, never been in arrears and only had 4 months left on it. However, it saves me £226 per month going forward, so no issue there. In total I received a £7k refund. It took around a week to go into my account, probably because I chased to find out when the P2P loan would be paid off However in none of this was any mention of my flexi loan account, which I brought up with the adjudicator. She told me that QQ had not supplied any information for this account, which surprised me. She said as it was a flexible loan then repayments would be smaller and thought that as it was more like a P2P loan it would be unlikely to succeed. I then pointed out how much i'd borrowed, the fact it was at PDL rates and based on receiving the totals borrowed and repaid, I must have paid on average £395 per month in interest alone. This led me to believe that I must have had the max £1400 nearly every month. She agreed to look at it again but I've not heard anything. I thought I was paying back around £600 per month then borrowing the other £200 back (a minimum payment so to speak) but I've gone back through my bank account today, and listed all the in going and outgoing for this account. Turns out most months I was repaying £1600 or more, so I'm hoping this will be upheld too, as its exactly the same as the PDL that were deemed unaffordable a year earlier. I've sent the adjudicator my findings. I'll update as soon as I have a response

Thanks Martin! I've left a little donation for the site, but if my QQ loans come in, i'll leave a much better one. The advice on here has always been top notch and supportive. Plus honest!

Just as an update on my complaint with WDA. I have had loans with them since 2009 through till today. I had numerous roll overs and for one loan did this 10 times, followed by a 6 month payment plan and then reloaned a few days later. I complained to WDA and asked for interest back from loan 11 through to my last loan after my 10 months of roll oves, till end Dec 2015. The last few loans were instalments rather than an actual payday loans. To help their investigation I sent them a copy of my Noddle credit report, some screen shots from my Experian report showing late payment markers and mentioned my loans with QQ and PTPD at the same time. Thought it would help The 8 weeks were up yesterday but received an email this morning, upholding my complaint for the payday loans, but not the instalment loans, which to be honest I can see why. However they have refunded on the interest from loan 10 through to my last payday loan. I made it out to be around £4.k but with 8% added they offered just over £7k. I have an outstanding loan of £225 so they paid that off from the refund. I got my email this morning, replied straight away with my bank details that they asked for. The money was in my account today, although in a number of separate payments, most of which were £700. I guess this is the highest amount they lend for a loan so that the most they can pay in a transaction This money has helped me pay off a loan that was in arrears and catch up with my mortgage which was 2 months behind. For the first time in 6 years I can breathe again. many thanks to all that offer their help and experience

No problem burke. They actually replied about a week after I contacted the MFSA with a letter that was 4 pages long, 3 of which where my loans over 7 years and a very quick rejection of my complaint as a final response. Sent it straight to Pauline Tonna at the MFSA who asked for 2 months to investigate. Good luck, this isn't going to be an easy win, if a win at all

My case is with the FOS now. I sent it 3 weeks ago and spoke to a lovey person who took the complaint on when I chased it up. She said she thought she had everything she needed from me, this due to attaching my Noddle credit report, list of loans with QQ, P2P, WDA and PTPD on a spreadsheet, plus some screen shots of my Experian report, along with my final response and all the emails between QQ and myself. I suspect the adjudicator will be waiting a while for info dkityo, that won't be their final response unfortunately. You'll get that around 7-8 weeks out. And it will a derisory offer, so you'll have to go to the FOS if you feel you have a case. Good luck

burke, I would just get a complaint into the Malta FSA. By the sounds of things there is only one person in their complaints department and she is swamped, but at least it will get the ball rolling. Northway only replied after I messaged the Mata FSA. There is something funny going on there as they keep pushing back a response by 2 months. I don't think they know what they are supposed to do with complaints!!

Be prepared for a long and drawn out fight. The Malta FSA complaints unit seems to be one woman and complaints with Northway seem to be going nowhere. Its seems they are a bit swamped at the moment and are constantly asking for more time. What is unclear is if this is all with Northway or there are other Maltese financial institutions that are currently getting a lot of complaints about them

Hi Multay, how long was this from you putting your complaint in to the FOS? Mine went in last Wednesday so just over a week, and I've just had an acknowledgement letter from the FOS with my reference. I haven't chased anything up though. Good to hear you have someone that sounds like they are on the ball

Sorry, realised i'd replied on the wrong thread

Just received an email from Quick Quid with the following: Thank you for your inquiry and your patience while we conducted our investigation. My understanding of your complaint is that unfair charges were assessed towards credit extended to you. We have looked into your concerns and have provided my findings below for your information. We adhere to all applicable legal and regulatory standards that govern our industry. As a responsible lender, we utilise both an affordability analysis and a creditworthiness assessment when making loan decisions. To give you a brief overview of our process, prior to approving any customer loans, we use robust systems and procedures for assessing an applicant’s creditworthiness and ability to repay. Our affordability assessment incorporates numerous unique customer specific variables. As well as using verified information obtained from the applicant, we also consider an applicant’s previous loan repayment history with us, credit-scoring information from Credit Reference Agencies, such as CallCredit and Experian, plus various other third party reports. These reports provide information such as other financial commitments, delinquency records, insolvency records, county courticon judgments, credit enquiries and any other credit accounts currently open. The scores from these products are input into an internal proprietary credit model. Our model combines these scores with other factors from the application, such as income and employment status, to generate a final determination of a customer’s creditworthiness. This affects whether we approve or decline the customer, and also affects the size of the loan for which they are approved. A thorough review of your account has determined that we followed all our processes and conducted a creditworthiness and affordability assessment on each credit application and extension. Therefore, we do not agree with your complaint for the reasons stated. However, we pride ourselves on looking after our customers by attempting to resolve any issues in a straightforward, efficient and amicable manner. Having taken all your comments on board and as a gesture of goodwillicon and without prejudiceicon, we would like to make you an offer that we believe is fair and honest. In Full and finalicon settlement of your complaint, we would like to offer a further payment of £750.00 for your time spent on this complaint and any distress and inconvenience caused. [This loan would also be deleted from your credit file]. Total refund £750.00. To accept our offer, please reply to me at this email address with your confirmation and I will arrange for the monies to be credited to your bank account. I am hopeful that this matter will then be satisfactorily resolved. Now its interesting they don't mention which loan would be deleted from my credit file, my last loan was one of their flexi accounts that ran from August 13 to Dec 14 and I paid over £6k interest on that and over £15k in my dealings just with Quick Quid over the years. It doesn't mention anything about Pounds to Pocket which they also raised a complaint about, even though I didn't. Now I don't mean to be greedy but I don't think £750 goes near the amount that I paid to them. Also if they did nothing wrong, £750 seems pretty generous for a complaint. This is clearly an attempt to stop me going to the FOS For note, this arrived just under 7 weeks, which was also a surprise as they typically take the full 8 weeks

Well done JEC, great result. I'm crossing my fingers for something similar. Gone to the FOS tonight

Just received an email from Quick Quid with the following: Thank you for your inquiry and your patience while we conducted our investigation. My understanding of your complaint is that unfair charges were assessed towards credit extended to you. We have looked into your concerns and have provided my findings below for your information. We adhere to all applicable legal and regulatory standards that govern our industry. As a responsible lender, we utilise both an affordability analysis and a creditworthiness assessment when making loan decisions. To give you a brief overview of our process, prior to approving any customer loans, we use robust systems and procedures for assessing an applicant’s creditworthiness and ability to repay. Our affordability assessment incorporates numerous unique customer specific variables. As well as using verified information obtained from the applicant, we also consider an applicant’s previous loan repayment history with us, credit-scoring information from Credit Reference Agencies, such as CallCredit and Experian, plus various other third party reports. These reports provide information such as other financial commitments, delinquency records, insolvency records, County Court judgments, credit enquiries and any other credit accounts currently open. The scores from these products are input into an internal proprietary credit model. Our model combines these scores with other factors from the application, such as income and employment status, to generate a final determination of a customer’s creditworthiness. This affects whether we approve or decline the customer, and also affects the size of the loan for which they are approved. A thorough review of your account has determined that we followed all our processes and conducted a creditworthiness and affordability assessment on each credit application and extension. Therefore, we do not agree with your complaint for the reasons stated. However, we pride ourselves on looking after our customers by attempting to resolve any issues in a straightforward, efficient and amicable manner. Having taken all your comments on board and as a gesture of goodwill and without prejudice, we would like to make you an offer that we believe is fair and honest. In full and final settlement of your complaint, we would like to offer a further payment of £750.00 for your time spent on this complaint and any distress and inconvenience caused. [This loan would also be deleted from your credit file]. Total refund £750.00. To accept our offer, please reply to me at this email address with your confirmation and I will arrange for the monies to be credited to your bank account. I am hopeful that this matter will then be satisfactorily resolved. Now its interesting they don't mention which loan would be deleted from my credit file, my last loan was one of their flexi accounts that ran from August 13 to Dec 14 and I paid over £6k interest on that and over £15k in my dealings just with Quick Quid over the years. It doesn't mention anything about Pounds to Pocket which they also raised a complaint about, even though I didn't. Now I don't mean to be greedy but I don't think £750 goes near the amount that I paid to them. Also if they did nothing wrong, £750 seems pretty generous for a complaint. This is clearly an attempt to stop me going to the FOS. For note, this arrived just under 7 weeks, which was also a surprise as they typically take the full 8 weeks

Oh i'm already prepared for that. Don't see any payouts from QQ without going through the FOS, and then some of them are quite big. My other complaints are with WDA (I understand they are similar in hanging on 8 weeks and offering something small) and PTPD, which have ignored everything I've sent them - and I mean no acknowledgement of a single email. So I went to the Malta FSA and they told me I can't put a complaint in until Northway Financial have had 8 weeks to look at it, which I know they won't even bother to. Had my complaint for 2 weeks, but I sent my first email on the 18th Feb asking for loan details but haven't had any response to 6 separate emails to them. I told the case handler at the Malta FSA that I hope she has more luck with them than me

Hi Martin, thanks for the message. Don't worry, I have another thread under the Quick Quid part of the PDL forum, and had some excellent advice off the team here. I have added this thread as its a different business and hopefully my experience will help someone else in the same boat

Received a 4 week holding letter "despite our best efforts, we are not in a position to give a final response to your complaint" I've already supplied them with a copy of my credit report showing loads of late payment markers in 2010 and 2011 and then again from 2014. It also shows the other payday loans on there. And although I've borrowed since 2008, I asked for a refund on all interest since June 2011 when I had 10 months of rollovers. June was when I ended up in a payment plan with them over 6 months, before they then continued to led the month after and increased my credit amount. Thought i'd give them a negotiation point rather than just say I want everything back, which is greedy. Regardless of what I think of PDL they offer a service that I've used, so asking for all interest back is a bit of a cheek. See what comes in 4 weeks time

Hi Acid, I've not got that far yet. Just passed week 6 for my complaint, so have to wait just under 2 weeks till their 8 weeks is up and I inevitably have to refer to the FOS

I believe the response you'll get will be "nothing to do with us" I've seen that response on other forums, people who have took it to the FOS have had a "nothing we can do, you need to complain to Malta FSA" If you want to complain about Swift Sterling i'd send a letter to: Head Office Malta Northway Group. Level 5, Plaza Commercial Center Bisazza Street Sliema SLM 1640