Just to give you my input - I have complained to many of the companies you mention, and I have no bank statements. Most complaints went to the FOS who only required my credit report, a couple of agents asked for bank statements but I told them I do not have them, and they were fine with that. I would still go for it. Hope this helps

Anyone?

Sorry about the title :/

Hi All I had a Debt Relief order in 2010 and wondered whether the threshold had changed since then with regards the amount of credit you can apply for under it without telling the lender you have one. Was it always £500? I just ask as I am about to take a major payday lender to the FOS but do not want to get myself in the crap... I think my loan was £400 that I took 3 months through the order.. Stupid I know but they were awful times for me.

Hi All I had a DRO which I was discharged from in 2011. I had a barclaycard debt as part of this. So for the last six years, barclaycard have been reporting a default every month on my credit report incorrectly, negatively impacting me. I asked them numerous times 2011-2012 to sort it. They never did and I just could not be bothered to chase. I am now sending a final formal complaint before I go to the FOS. Would you say I could request some compensation too for the fact they have left it this long, it has negatively impacted me for years and they ignored me? Not sure if thats a basis for it..

One called Monkeydosh

Ok good, I wondered whether the court thing would affect it in some way. I will get on this tomorrow

Same here from 247, have also sent to the FOS. Horrible staff there.

Hi All Just after a bit more advice.. It has just come to me that a couple of years ago, one of my PDLs sent me court papers. It was one I had been rolling, rolling for ages then payment plan which I could not keep to. I ended up settling by paying the full balance including court costs interest fees etc because the court papers freaked me out at the time. Can I still take this lot to the FOS or make a complaint based on irresponsible lending like my other loans?

I complained regarding Ferratum to the ombudsman, as they lent to me multiple times without any checks, even though my Credit file shows a DRO and showed multiple loans, debt and defaults at the time. The FOS have responded with the attached. Can anyone advise me how to respond? All my other complaints so far have been similar and upheld :/[ATTACH=CONFIG]60049[/ATTACH]

Yep

Hi, Yes, I asked them for a statement of account which shows exactly what I paid, however I know for a fact some of my payments arent on there but they are on my bank statement, and I know a lot of my loans were top up loans like you have shown

Ok, CFO lending have just responded to my complaint and said they basically agree they lent to me irresponsibly and were too harsh with collections. They have offered to half my balance from 2k to 1k - removing interest. Now they were my worst lender, I rolled over loans with them non stop for months, years. They lent to me even with a DRO. They did no checks at all and were horrificly harrassful. I paid them zillions in interest and charges, and then they offered me CFO resolve, MORE credit after a year of defaulting which TRIPLED my balance with them. I think I should take to the ombudsman, but could I expect a better outcome? Personally I think the loan should be wiped completely plus compensation. I mean my loans went like this: 200 - 250 - 450 - 550 - 750 - 900 with MULTIPLE months of rollovers in between. Whats your opinion?

Account start date 05/06/2007 Opening balance £ 507 Repayment frequency Periodically Date of default 17/03/2010 Default balance £ 507 This means whatever it was it would have been in my DRO

No clue who they are or what it is for.. It is so old..

Bit more help needed if possible. First off, the CEO of provident just ignored me.. what do I do? Secondly, what is: Pco Holdco Sarl C/O Watch Portfolio Management? I have this on my CF and should not as it predates my DRO

Quick update The ombudsman have recommended that peachy refund all my interest and charges from the second loan onwards, which I have accepted.

I hope wonga last long enough to pay me Quickquid are winding me up. How much did qq refund you?

Still awaiting my quickquid payment.. They told me 7-10 days initially.. We are at day 9, nothing received. Starting to annoy me a bit seeing as they do 10 minute payments to customers. I queried the long wait, they told me its a BACS transfer is why... But these take 3 days.. Also they have set up a new direct debit on my bank account...

Hi Yes, so I made a formal complaint, they gave a rejection as their final response, and so I sent that to the FOS when I submitted the complaint, which is why I am confused..

It is what i am planning to do, I just cannot understand the process as they would have clearly already had this attached to my complaint :/ - I will email for clarification

Can somebody advise? I submitted a complaint to the FOS online regarding wageme.com. I received a letter today, advising me that the FOS had written to them, but also asking me to get their final response in writing.. I have this and attached it to the complaint when submitted... do i really need to do it again?

Thank you, will do

This story makes me fear my road ahead with the fos

I won't give up. Wonga are a little different in that they pushed me into my DRO with a number of other debts, but I cannot believe how difficult they have been to deal with. Hard to contact, utterly useless and when they respond they just reject everything. Added to that the fact they keep losing my redress form..