Hi Neil, thanks for your response. The cut an paste email doesn't actually say its a final response so pretty sure I can't go to the FOS yet. I don't have any loans with QQ, although do have 5 months remaining on a P2P loan, that is all up to date, so I have nothing to lose and everything to gain. Now my reliance on these things is removed, due to some help from my mother (a difficult conversation to have, but one I'm glad I eventually did have, before I went under) I am happy to play any waiting game with QQ required, and go through the process. The fact they are a short term lender and ended up lending me money for 82 consecutive months doesn't really show that they are a responsible lender. I've paid all these loans back in full, never defaulted and been a bit of a model customer in that time, with 3 late payment fees, no wonder they saw me as a cash cow to milk. Does anyone know where I stand on length of time though, am I stuck looking at the last 6 years only?

This morning I received a cut and paste reply for both my QQ and Pounds to Pocket accounts, this despite not raising any query with Pounds to Pocket. At least not yet. The emails were identical with the exception of the change in Customer ID, even coming from the same person Dear XXXXXX, Customer # ******* Thank you for contacting QuickQuid. The contents of your email were duly noted. Your query raised several questions on what loan affordability is based on and what statutory checks are processed before assessing credit approval. Please be advised of the following information in relation to your query: -We processed a credit check, the search id: {9BFE17C1-0D71-4D45-B9C2-DD1F46EF9E8E} confirms one of the affordability checks that were ran. You can find additional information on checks by contacting Callcredit which is one of the Credit Reporting Agencies we use. -We also run various checks, which include but are not limited to, affordability assessment based on current financial commitments, as well as verifying any personal details provided on the application. -After the application was submitted, we send our customers an email which contains the pre-contractual agreement and also contains a hyperlink that leads to an audio version for your convenience. -Prior to making a lending decision, your loan application is reviewed and all of the information discussed above is analyzed and taken into consideration. -Once that information is reviewed, we make a decision and subsequently contact the consumer to advise of the final credit decision. After careful review of your account and the information you submitted at the time of your application, we have determined that we diligently followed our processes and conducted a credit and affordability assessment on each credit application that was granted. If you have any queries, our Final Resolution Team is here to help. Kind Regards, Tiffaney I have responded by thanking them for their cut an paste response, mentioned they haven't sent the information that I requested for my flexi loan and asking if I should take this as a final response. I even pointed out I hadn't complained about by Pounds to Pocket loans and that the emails were identical Very quickly I have had this about my flexi loan, so have all the information I need. Between 03/08/2013 and 31/12/2014, the cumulative principal advances you borrowed was £22475,00 The total repaid on this account was £29183,57, The cumulative late fees and administrative charges assessed to the above balance was £0,00. The cumulative finance charges assessed to the above balance was £6708,57 . I am awaiting their final response so I can go to the FOS. Do I just supply them with the information I have available and some copies of my credit score at the time, maybe showing the arrears on my mortgage (not sure how anyone would lend to someone 2 payment late on a mortgage)? What this does is show between 5th March 2008 and 31st December 2014 (6yr 10 months) I borrowed a total of £73,125.00 from QQ and paid £15,242.70 interest in that time paying back a total of £88,367.70. This is just Quick Quid

I had Pounds Till Payday loans over that whole period of that, and they were usually around a grand a month! It probably means I borrowed another £35k minimum through them. I don't seem to have the details for them and for some reason can't seem to be able to search on my on-line banking at the moment. I see they are now UK based, but wouldn't hold out much luck on anything back from them. Wage Day Advance actually contacted me and froze the interest on my last loan and allowed me to pay back in instalments as a "responsible lender" There isn't much on there, so not going to rock the boat For QQ all the loan info is on the website, so easy to access. With the exception of the flexi account from 2013, which is what I have asked for information on. I have had an email today saying they can help and are looking into my query Put the QQ loans into a spreadsheet and it makes sobering reading. This is just the loans and doesn't include the interest i'll have paid on my Flexi account, or the Pounds to Pocket accounts. As some of these go past 6 years, does that affect any claim? All this information is from QQ own website Loan Date Amount Interest 1 05/03/2008 £400.00 £100.00 2 26/03/2008 £400.00 £100.00 3 07/05/2008 £375.00 £93.75 4 28/05/2008 £375.00 £93.75 5 02/07/2008 £500.00 £112.50 6 25/07/2008 £500.00 £125.00 7 29/08/2008 £475.00 £100.94 8 26/09/2008 £475.00 £118.75 9 24/10/2008 £100.00 £25.00 10 01/12/2008 £375.00 £79.69 11 31/12/2008 £700.00 £148.75 12 26/01/2009 £700.00 £175.00 13 03/03/2009 £400.00 £80.00 14 26/03/2009 £400.00 £100.00 15 24/04/2009 £100.00 £25.00 16 29/05/2009 £300.00 £60.00 17 26/06/2009 £300.00 £75.00 18 29/07/2009 £500.00 £100.00 19 26/08/2009 £500.00 £125.00 20 30/09/2009 £400.00 £80.00 21 15/10/2009 £400.00 £100.00 22 18/11/2009 £650.00 £104.00 23 15/12/2009 £650.00 £104.00 24 19/01/2010 £650.00 £104.00 25 15/02/2010 £650.00 £104.00 26 19/03/2010 £700.00 £112.00 27 15/04/2010 £700.00 £112.00 28 14/05/2010 £750.00 £120.00 29 15/06/2010 £750.00 £120.00 30 15/07/2010 £1,350.00 £216.00 31 13/08/2010 £1,350.00 £216.00 32 15/09/2010 £1,175.00 £188.00 33 15/10/2010 £1,200.00 £192.00 34 15/11/2010 £1,200.00 £192.00 35 15/12/2010 £1,350.00 £216.00 36 14/01/2011 £1,350.00 £216.00 37 15/02/2011 £1,250.00 £200.00 38 15/03/2011 £1,250.00 £200.00 39 15/04/2011 £1,250.00 £200.00 40 16/05/2011 £1,350.00 £216.00 41 15/06/2011 £1,350.00 £216.00 42 15/07/2011 £350.00 £56.00 43 25/07/2011 £1,350.00 £216.00 44 26/08/2011 £1,350.00 £216.00 45 26/09/2011 £1,350.00 £216.00 46 26/10/2011 £1,350.00 £216.00 47 25/11/2011 £1,350.00 £216.00 48 23/12/2011 £1,350.00 £216.00 49 26/01/2012 £1,350.00 £216.00 50 17/02/2012 £150.00 £24.00 51 27/03/2012 £1,300.00 £208.00 52 26/04/2012 £1,400.00 £224.00 53 25/05/2012 £1,400.00 £224.00 54 26/06/2012 £1,400.00 £24.00 55 26/07/2012 £1,400.00 £224.00 56 24/08/2012 £1,400.00 £224.00 57 01/10/2012 £600.00 £96.00 58 29/10/2012 £900.00 £144.00 59 31/10/2012 £1,300.00 £208.00 Flexi 03/08/2013 £1,400.00 TBC £52,050.00 £8,534.13 Yes, that's £52k of borrowing and a minimum of £8.5k of interest in just over 5 years! 3 of those loans had £12 charges attached to them, I can't remember why Can't seem to get it to look tidy, sorry!

Hi, I've spent the last 5 years trying to clear through all the mess I was in, and through some great help from this site I've done a reasonable job so far. I've cleared a big chunk of the stuff that was keeping me in trouble and have now looked through the payday loans I had. Reading on here about irresponsible lending made me look at my old QQ loans, where I was quite shocked to see I had 59 loans one after the other,starting at £100 and ending up at £1350! In total I borrowed over £50k in 3 and a half years and the interest paid was over £8,500 Irresponsible on my side I understand but I was getting in more and more of a hole. Then I realised that was up to 2012 and my loans changed to a flex account that I could draw from, which seems to be blank on the QQ website. I've asked for details to see how much interest I paid over the 18 months I had that. At the time I also had loans with Wage Day Advance (small) and Pounds to Payday (pretty large), but understand the latter was based in Malta so I don't really have a leg to stand on there What is surprising is I also had a loan with Pounds to Pocket (4 of them in fact) while I had my flext account and they are owned by the same parent company as QQ. There is no chance they did any proper checks as my credit rating was shot to bits and 59 loans is not a short term fix I've fired them an email to ask them to explain their process and see what comes back. I'll update as I hear anything

I used the following: Welcome Finance Customer Relations Mere Way Ruddington Fields Business Park Ruddington Nottingham NG11 6NZ Its also the header address where all their correspondence came from Good luck!

Hi Tam. I've received a refund of some charges to my account, and a cheque in the post for some old charges on closed accounts. They have only refunded me anything over £12 and some other charges like tel calls where there were no notes on the system. TBH there wasn't a breakdown with the original letter so I asked what that looked like before I proceeded. This arrived last week, but not had a chance to do anything with it. I will of course, be appealing the £12 and see where we go from there. The head office staff have been a million miles better to deal with than the branches. They have apologised for sending my info to the wrong address for nearly 2 years, for the attitude of the branch member of staff and some of the frustrations I have had. Unbelievably despite paying over the monthly payment due, it wasn't going to the charges but reducing the balance. This is ridiculous as I was getting interest charges on the amount of charges, so the extra payments I have been making made no difference!!

Welcome have removed all "live" accounts from credit agencies. All accounts that are closed will still be on there

Hi Tam. I've put in a claim for all charges, unpaid dd charges, telephone call charges etc and the interest charged. I've said that they are unfair and should not be added to the account. I've even noticed that despite me paying off additional money each month, the interest on the charges hasn't gone down. I've been told I will have a reply by the 28th Nov If you have your statements and know how much you have been charged, if not get a SAR off to Welcome asap

Had a very interesting chat with a representative at Welcome Head Office who informed me i don't need to answer the phone to the branch as I am not in arrears. Not sure if it will get them to stop ringing or not! Response to my complaint to come back to me on 28th November, so will sit tight until then. I have asked for all my charges back, plus interest at the rate they calculated for the loan (which for my first loan is £60 charges £320 interest!). For all loans that are closed I have asked for the money to be returned to me, and for the open loan, to put the account back to how it should be. From what I can work out I will also have over paid around £195 over for the 5 months I upped my payment

My current Welcome secured loan has disappeared of my credit report too. Having spoken to Welcome customer relations today it seems they had a belief that they had not been reporting information to credit reference agencies correctly, so made the responsible decision to stop reporting. I asked if it was likely to re-appear and was told it wasn't unless they sold the debt to someone else. As i'm not in arrears its unlikely to happen to me. Interesting that Welcome and "responsible" are in the same sentence!

Any success from GE Money Rebecca? I'm just writing out my letter now, would be good to be prepared for their reply!

I've finally received some statements today, and noticed on one of my secured loans I have been charged an Acceptance Fee and a Broker Fee. This wasn't done through a broker, but in a WF local office. Is this correct? I then opened a new loan 3 months later (paying off the first secured loan), and was only charged the Acceptance Fee I also seem to have a couple of pounds added at the end of each month for Default Sum Fee Interest. Does this mean I just add up the charges and interest and that is my claim. Or do I add only the charges and claim back at their interest rate, or add all the charges and the default sum fee interest together at their interest? Any advice is greatly appreciated

Thanks very much Brigadier, just as I thought. I wonder what they have to hide? It was the only Welcome Finance loan done through a broker

Complaint acknowledgement received from WF, standard 8 weeks to investigate. In the meantime the branch are still ringing me. Also received part of my SAR which is a load of information on telephone conversations etc and some grainy copies of my agreements. However for the first loan which finished in Dec 2007 they tell me they have no agreement as it is past 6 years. I'm pretty sure they have to keep all paperwork involved in a loan until 6 years after that loan finishes, which is Dec this year. Am I wrong? If not I smell something fishy The letter also states that all statements will be sent separately. Trying to get any kind of statement out of WF is a joke. They keep telling me they have been sent, then tell me there is an issue.

I'm in the same boat, but waiting to find out how much charges I have - a load of £40 admin charges with interest. Did you decide to go to the FOS first jaxads?

Hopefully the above is ok and I'll get it sent off in the morning. Amazing how one person's attitude is going to ensure that I go to get the charges taken off my loan. All of them, if there are any on previous loans. I'd never even thought about looking at my WF accounts.

Hi all, I'm just after a little bit of advice. I have decided that I will no longer pay the amount per month that I had agreed to, and will revert back to the original payment which is what is on the agreement. Nothing back from my SAR except a letter confirming they have the request, but we haven't reached 40 days yet, so didn't expect anything, but I certainly haven't had a copy of the statement that I requested from the representative. Could someone please cast an eye over the letter I will be sending off tomorrow and let me know if it is ok? Dear Sir / Madam, ACCOUNT/REF NUMBER: XXXXX Official Complaint I am writing to complaint about the attitude and behaviour of one of your employee’s in a telephone conversation on 28th August 2013. I was contacted by someone from your Merthyr Tydfil office at 12:03 and frankly I was disgusted by this persons tone. After agreeing to increase my payment in May from £XXXX to £350, in the belief that it was helping me pay off my loan alittle bit earlier, saving me some interest, your representative then insisted that I up the payment again to £400 a month. He told me that I had agreed to this, which I had done no such thing. All I had said in May was I would have a look at this and if possible I would consider another increase on my terms, but was only just getting back on my feet after being made redundant in February – a period of time I paid in full and on time. However he was threatening and went as close to accusing me of lying without actually saying this. I appreciate that WFSL are no longer alending business and have had issues, but I would think basic customer service training would still be a priority. I have had 5 loans since 2008, have no arrears and although I have had a couple of problems with payment in previous jobs, I’ve not been more than 2 week behind at any time, and this was rare. I had an excellent relationship with the XXXXXX branch, was able to communicate with them without any issues, but I will not be dictated to by someone who believes good customer service is shouting over me, not allowing me to speak and demanding I fill in an I&E form, which there is no obligation for me to discuss. He started throwing figures at me, with no back up of information and I asked for a copy of my last statement, and the conversation to end. 4 weeks later I still don’t have this information. In the meantime I have sent a SAR to gain all records from my loan and previous loans and will be reclaiming any unlawful charges against all accounts. For your information I have cancelled my Direct Debit. Iwill still pay each month on time, but will pay the agreed £XXXX going forward rather than the £350 I moved my payment to. I am happy to reset the Direct Debit up, but only at £XXXX. I no longer want anyone from Merthyr Tydfil branch contacting me, and would like a full response to this letter within 14 days and if not satisfied I will be contacting the FOS Yours faithfully joncow75

Hi all ,I have a mortgage with GE Money that has an arrears amount of £500 on it, due to missing my payment in March after I was made redundant. I'm in a payment plan paying an additional £50 per month over the next few months to get it back on track. No issue with this at all, and nothing getting added to the account. However having had issues before in the past, I've noticed that I have nearly £1900 of charges from previous times my payments was late. I've never been more than a month in arrears. £25 returned DD fee's and £40 admin charges soon tot up From the little bit of reading I've done on mortgage charges, I get the feeling that I can be looking to get some / all of this back as the fee's are unreasonable and high in comparison to a high street lender. £40 for a letter to be sent every 2 weeks is not exactly justifiable I'm reading a lot of people not getting much joy from GE Money so any advice or success that anyone would like to give me some hope on?

Hi, I'm about to go and nail Welcome for the current hassle i'm getting off them and thought i'd document it here for anyone else that might be in the same position. I've had 4-5 loans through them over the years, not really had any issues until now. My current loan is a secured loan (i'm very aware of how unsecured the WF secured loans are). I had a few issues with my job a few years back, and had a couple of payments made a few days late, the worst probably about 2 weeks, but all were paid and before my next payment was due. A couple of years ago Welcome kept suggesting I up my payment to pay the loan off early. My payment was £311 at the time, and I didn't feel to comfortable about doing this. My local office in the North East closed down and my account was transferred to an office in Wales (???). I had a conversation with a new account handler that suggest I up my payment again and mentioned some charges against the account that I should pay off (no mention of the amount). I agreed to pay £350 going forward and left it at that. I'm more comfortable that I was, so was actually quite happy to add a little extra. He then asked when I might be able to look at increasing again, and I said i'd have a think about it. In May this year we had the discussion again and I said i'd see how I was in August. At the start of August I started to be bombarded with calls from their office. Then a letter asking me to call them. I eventually answered a couple of weeks back and spoke to the handler. He asked me to up the amount to £400 "as I had agreed" which i'd done no such thing. He then said I would have to go through an income/outgoing expenditure which I told him I had no intention of. When I said I wouldn't he became aggressive, spoke over me, was practically shouting down the phone. I was disgusted. He told me I obviously earned enough to pay the amount and I had to complete the form. It was then that he told me I had over £300 outstanding and over £240 of this was in charges. When I told him there was no way that could be true and I wanted a statement he was very snotty. I told him to only contact me by letter and not phone again. Anyway, income/outgoing form has arrived that duely went in the bin, and still no statement so a SAR is going in the post tomorrow With loans from 2007 to now there is bound to be a number of naughty things on there. They will wish they never p***ed me off! And just for the record I've never had PPI through them - always insisted that it wasn't added

Brilliant result, well done!

No drama at all. Every time I rang they kept telling me they couldnt trace any details, but I kept saying i'd sent copies of the agreements. In hindsight I wish i'd just kept off the phone and wait the time out. Took slightly longer than the 8 weeks required, but only by a few days. Letter arrived on Saturday and was sent back immediately. I'm not arguing on the interst and as I couldn't prove wether i'd had any refund on the PPI if i'd paid off early (one loan was replaced by another), but it pretty much fell where I expected. I put the payment inc interest (off my agreement) into the 8% spreadsheet IMS supplied above, so very easy. Signed for on Monday so hopefully sorted into my account soon. They have warned there is a backlog, but should be 5-10 days. I presume working days. Good luck!

Thanks all

Cheers CitizenB, yourself IMS and DX have been great encouragement to almost everyone who comes on this site. Paphos in July will be like heaven!!

HSBC offered a full refund of all payments plus 8% interest up to last week. I had no proof of what I had paid, only what i would have based on the credit agreements. HSBC paid every single penny that was on the documentation, so must not have had a rebate if loans were paid off early. I'm thrilled as I can pay a loan off that has quite a few months to run on it, leaving me nearly £200 a month better off and will be able to have a holiday for the first time in years. Form has been signed and sent off, so just awaiting payment into my account. Once done i'll be sending a donation to the site, as it has been invaluable to me over the lst few years Many thanks to you all for your help

Just for a little bit of encouragement, I have recently had a complaint upheld by HSBC for 2 loans taken out in the 90's. I only had the credit agreement and no other supporting documentation to show dates etc, just the original paperwork showing the loan, PPI payment, interest added to each and the monthly repayment I was required to make (loan and PPI split out). HSBC have refunded the full amount of PPI inc interest up till last week. I was a little worried they may not as could only prove what I would have paid rather than what I did.