They sent me the same rubbish response. I had around 19 loans back to back, most times borrowing then paying back and borrowing again the same day, sometimes the day after. My complaint is with ombudsman just now. Fingers crossed.

My QQ complaint was upheld and the business offered a total of £1k which was made up of an arbitrary interest figure, interest and compensation. Based on the opinion given by the adjudicator it was pretty clear QQ had made some ridiculous claims, I've rejected the offer as being too low and given more details to support higher pay back. Lending stream has taken ages but I should get a decision from adjudicator next week sometime.

CFO complaint also upheld and settled - all interest plus charges and 8% plus removal all mention of loan on credit files, 1.7k

I went straight to FOS when I got the low offer, they took it from there. PE had the offer in their final response letter. I called fos to register my complaint, they emailed me a form to complete then I sent in all email correspondence to the person dealing with my case, bank statements and credit file. They took it all from there. I'm really happy with the service I've got so far, pretty speedy.

I complained to the ombudsman after the offer of goodwill. It took from the date of my complaint, around 2.5 months to reach conclusion. Don't accept the 25% they obviously know they are going to be found as being in the wrong. I've got a quickquid complaint which has been upheld too and QQ are dragging their heels.

Lending stream have emailed to say they've wiped my debt, must be fearing the cost which is going to follow my complaint to FOS.

Payday express complaint upheld and just over £1700 awarded. No 8% interest from FOS though. Still happy though

Email today from txtloan giving me all charges and interest plus 8% plus £150 compensation Happy days

Thanks I will definitely drop an email in the morning to request that Will udate here on progress.

Yes I guess it will depend on the adjudicator. A lot of my argument surrounds poor practice by the lender. For instance with quick quid I had long term lending then ended up getting a repayment plan, then they lent to me again the next day then again into repayment plan, then they called me and texted twice a day advertising further loans. It's all very irresponsible knowing that I was struggling financially. I hope everyone who makes these claims gets a fair refund. I didn't ask for the loans to be taken from my file, do you think it's too late?

Excellent - good luck. I'm hoping for £4000 from QQ, £850 from txtloan, £2100 from express, £1000 from CFO, £1500 from WDA and £3000 from lending stream. Will be like winning the lottery if all comes my way. Goodbye credit cards and overdraft.

Hi, I decided not to accept their offer, and went through FOS. I submitted all my information for my case including my bank statements and credit file (to FOS - not to Express). FOS responded to say that they have upheld my complaint and it is now coming up to 2 weeks since the complaint was upheld so I expect FOS will come back to me shortly with the result unless Express appeal it. I submitted a similar complaint against TXT Loan, they offered me nothing. Then FOS got in touch to say that all of a sudden TXT Loan were willing to offer me around 50% but it was an abitrary figure plucked out of nowhere, so I rejected that also. I also have another 2 complaints with FOS - one about Quick Quid and one about CFO Lending. I have another 2 complaints to lodge shortly, one for Wage Day Advance and one for Lending Stream - who are definitely not going to win. For them I had at least one loan account open with them for 26 consecutive months and had a maximum of 6 loans at one point with them. Unaffordable, but times were desperate. Taken proper advantage of me at the time.

It was sent by letter, I would rather not put it on here. Would you personally go to FOS anyway? I don't like the 2 week time limit they have put on my settlement offer. It almost puts me off going to FOS.

Sorry, in summary I've asked for a refund of all interest charges and 8% on top statutory interest which I know would only be instructed by FOS. PE have offered me 50% as full and final settlement of my complaint. I just want to know whether I should continue to pursue the full balance I asked for or just settle for the 50%?

The balance I requested didn't include interest.

Dear Payday Express, In response to your letter with reference xxx asking me to clarify my complaint, please see below. Unless my requests have been met to my satisfaction, I will be referring this complaint to the financial ombudsman service. I will accept communication by email or letter, no telephone calls as I want a full record of this complaint as evidence. I am writing in relation to the loans which were provided to me during the period Xxx until Xxx on a continuous and exponential basis. I do not believe that these loans were sold to me correctly as these types of loan are supposed to be 'short term' and not intended for long term borrowing. I have written below, a summarised history of your communication with me which I believe to be irresponsible in terms of lending and a failure in assessment of customer affordability and financial circumstance. It is quite clear that there was no appropriate assessment of my ability to the repay the loans and further to this, you consistently reminded me of additional monies available to be drawn down with numerous emails and text messages. The very fact that I had to take up the deferral option on almost a consistent basis was a clear indication of financial troubles. In month/year, you began to email me with 'assumptions' that I would like a deferral option, so you rolled over my loan on a continuous basis. There were 8 rollovers consecutively at which point it should have been evident that this was irresponsible. Further to this, you then offered me even more money despite rolling over my loan 8 times. I was struggling so badly with finances that I was borrowing just to keep up repayments to your loans. So when you offered me this additional balance, you surely should have recognised that this sum would be used to continue servicing your loans. You incessantly contacted me to tell me that I was not using the full limit available, sometimes more than once a week! Getting involved in these loans kept me in a spiral for a long time, with no way out. You failed in your duty to continuously assess my ability to continue servicing the loans and as such, this drove me into a significantly impaired financial environment and affected my health. I did speak to your representatives by telephone and they were extremely aggressive towards me when I tried to get a form of cheaper repayment plan. I was told I would need to have died for 'hardship' to be considered. I will expect a full refund of all fees (which I believe to be £Xxxx) plus 8% interest be refunded to me as a result of having these loans. I look forward to your prompt response to this email. If I have not had a satisfactory response from you I will contact the Financial Ombudsman Service to formally investigate my complaint with provision of all of the retained communications I have from your company. I supplied a summary of all email comms - plenty 'no money for the weekend? Get yourself to a computer and use the rest of your credit' Etc.

I don't want to put too many details on here in case they identify me from anything I say.

It was all the interest I paid on each loan over the course of the time I was loaning from them. Back to back on a non stop basis.

Hi, I was trapped for a couple of years with a payday lender and ended up borrowing constantly to repay the loan back, with roll overs of the loan at one point 8 times in a row, then being offered a higher credit limit on the 8th roll over. I wrote a complaint to the lender about them not assessing my affordability and how I feel i was missold the product, they even used to email me twice a week reminding me i had more money i could draw down. they have offered me almost £900 as a 'gesture of goodwill' with a time limit of 2 weeks to accept but no admission of liability. I am just looking for some opinion for you guys to see whether i should continue on to the ombudsman with my complaint? I had asked for c£1700 in refunds plus 8% interest, so the 'gesture' only equates to 50% Look forward to hearing your opinions on what you would do. I'm thinking that the lender obviously realises that the things they did were serious enough to warrant such compensation. Which did include telling me i would need to have died before a repayment plan could be considered. Thanks,

They insisted on bank statements so I wrote up a formal complaint taken from the CAB website. CFO have now accepted my payment plan as long as my complaint is considered closed. Happy days! Only 6 months until payday loan free for good

I've told them that they have no right to see the bank statement as its personal and confidential. I gave them an income and expenditure without listing lenders names on there. Wonder when they will bother to response. Got a bad feeling about this.

Is there anything official I can tell them re my reasons for not providing a bank statement. I a,m not giving them one

They've request my bank statement and an income and expenditure form. Saying they will use credit reference agency to assess my situation. Can you draft me a sharp letter to help me ASAP?? Please complete the document attached and provide 1 month’s most recent bank statement. We will be doing our own credit check. Further to your email please find the Income and Expenditure form. If you could complete the attached and send it back to accountsupport@cfolending.com accompanied by your last one month’s full bank statement. Once we have received the completed form and the copy bank statement we will assess your current financial situation and one of our collections agents will be in contact with you. Please note- Your account will not be placed on hold until we have received your completed documents. Please also ensure that the information you provide is accurate as this will help to speed up your application for a payment arrangement. We may also use Credit reference agencies to check the information which has been provided. Kind Regards, Account Support Department

Think it's ok?

Hello, Please take this as official notification that I revoke you from using the continuous payment authority on my bank account and that the only communication method that can be undertaken is through emails to this registered email address alone : xxx@xxx .com I require an email trail of this notification and future communications if I must make any formal complaints to yourselves and the financial ombudsman. I have been trapped in an endless loop of payday loans and this has led me to extreme levels of stress and financial hardship which has also had an adverse effect on my health. I am unable to continue servicing loans on a continuous loop and I am writing to advise that I will default on my loan which is due on xx/xx/xx. I am also writing to request a reasonable repayment plan through which time all interest and charges must be stopped. Having considered my income and expenditure I can afford to pay the current outstanding balance over 6 months in equal instalments only. I would appreciate your cooperation and acceptance of this request and then close my account once the final repayment has been made. I will not accept telephone calls to discuss this, this must all be in writing. I am also revoking any authorisation to contact my employer and any attempts to call me at work will result in a complaint to the OFT. I intend to make the first scheduled repayment on the due date and would appreciate if you could give me the sort code and account number plus any reference required for making such payments. I have also advised my bank (account ending xxxx) that you have been revoked from using CPA and that any attempts to take funds from my account are now classed as unauthorised. Transactions between yourselves and myself will commence on the agreement of the repayment plan. I will not hesitate to take legal action if necessary in this matter. Kind regards, (Name)