Wonders will never cease, they've only wiped the debt clear now and wont be pursuing me anymore!!! Happy dayz.

Yeh sorry have removed it now. Meant to attach the word version which didnt show personal details....

Reclaim? they say i still owe £200 odd quid

£600 built up over time to that amount with lots of little loans....

When i first told them about going into a plan it was £744 (wrote to them on 20th August 13), my plan started officially in Oct 13 first payment from stepchange on 26th Oct and by that time it had gone up to £1028, 3 lots of interest added in Aug, Sep and Oct, plus £12 late fees each month, more interest added in November too which after the payment from stepchange they then say i owed £1098, two more late fees in Nov and dec, ive paid them back £948 in total so far.....

Wonders will never cease they have today provided me with the breakdown, only taken 5 months. But on the email demand i got yesterday they say my balance was £346 and on the statement says £405, they have taken off £187 as a good will gesture, apparently, but they were still charging me interest and late fees even though i was in a plan, and this amount covers that so not really a gesture as such. Getting there slowly i suppose.

Ive done all i can then as i do have a reference number from the FSO and i have been putting that in all my correspondence to QQ, and have also been sending all the emails and correspondence from QQ to the FSO, its when i send this info that QQ send me the 14 day email but they've sent it twice now and still no resolution its driving me mad.

I have raised a complaint for the Financial Ombudsman already and am waiting to hear, i had a look on the FCA website about complaining to them but it said to complain to company first and then if no satisfactory response then to complain to FOS, didnt say anything about complaining to them directly?? Can i do this then?

Arc europe Ltd, but as soon as i told them i was disputing the amount owed with QQ and had raised a complaint with FSO they soon passed it right back to QQ. Who nw have sent me another email saying they are looking into the issue and it should be resolved in 14 days, however, they sent the exact same email 16 days ago and still no resolution or breakdown!!

Na ive not heard anything only im disputing an amount i owe QQ probably due to the interest they charged me and it did come to double what i borrowed in the first place! So was just hoping that it would somehow also make a difference to exisiting loans. Wishful thinking i guess.

Will the new rules set out today by the FCA make a difference to existing loans with payday companies or is it just for new loans taken out from Jan 2015???

They havent asked me to pay, just keep saying if you want a full breakdown you must request this in writing, but ive done that (got the proof too from Royal Mail) and still no breakdown, got another email this morning, demanding payment and threatening to pass it to another debt collection agency (although they've done this already and as im in the process of disputing the account they sent it back to QQ straight away). Im at a loss of what to do really. I wonder will the new rules put in place by the FCA will have any bearing on my case as im sure the interest they are charging is more than my orginal loan, or is this just for new loans and not exisiting ones?

Ah i see i didnt realise i had to pay for this breakdown and they have never said i had to either, i will do this straight away. They are no longer charging interest. We are just arging over the total amount owed and what date the loan was called in. i say it was £948 in Oct 2013, they say it was £948 from January, but without the breakdown its hard to say how they have come up with their amount, i would imagine it was interest but for what period, as they knew i was in a plan in Oct 2013 and have said that they froze the interest when it was called in full but then they say they didnt know until Jan 2014, which is not the case.

I have been in a debt management plan since Oct 2013. I had been paying quick quid through step change, when i first started i owed quick quid £764, then in around May time my step change balance showed 0 they stopped paying when i asked Quick Quid what my remaining balance was they said £500 and something, saying that when my loan was called in full on 7th Jan 2014 the remaining balance was £948, and that they didnt know i was in a plan until Jan 2014, however, i know that they did as they have sent me a list of payments received from stepchange starting from Oct 2013, and when they tried to refer my "outstanding" debt to a third debt collector it clearly states that the start of the plan was Oct 2013. I have paid them back the £948 but they are still saying i owe £346. I have written to numerous times asking them for a full breakdown of my account so i can see how they have come up with this amount, i have sent this recorded delivery and it was signed for by them on 9th June, i have also written a formal complaint and as yet still nothing. They tried to pass it to a third debt agency but where ive now escalated this complaint to FSO, they passed it back to QQ. Quick have sent me an email saying they want me to call, i refuse to call as want to document everything, now they are sending me threatening emails demanding immediate payment and again threatening to pass my debt on. I am still waiting to hear from FSO. What am i to do, i just want to see where they have got this amount from but they dont seem to want to provide me with any kind of breakdown, am i wrong in not paying what they say i owe ? Help

Oh ok thanks very much, i will send off requests to each of my creditors then.