There are two loans within the list, but yes they were pretty much rolled over and over and over, I just don't know what amounts I am supposed to look at, deferral, repayment, deposit etc...

Figures.pdf

Hi all I was hoping someone could work out a rough idea of the refund amount on the following loans or tell me how to do it, the complaint is upheld by my adjudicator and I am waiting for final confirmation from PDUK. I can't get my head round what I have paid, some figures are in brackets and there is Interest deferral, deposit, repayments !! I don't know what i am supposed to be adding up here ! Any help would be appreciated 10 January 2011 Interest | Deposit £100.00 £500.00 10 January 2011 Principal | Deposit £400.00 £500.00 15 February 2011 Principal | Repayment (£100.00) £400.00 15 February 2011 Interest | Deferral (£100.00) £500.00 15 February 2011 Principal | Deferral (£300.00) £500.00 15 February 2011 Principal | Deferral £400.00 £500.00 15 February 2011 Interest | Deferral £100.00 £500.00 15 March 2011 Principal | Repayment (£100.00) £400.00 15 March 2011 Principal | Deferral (£300.00) £500.00 15 March 2011 Interest | Deferral (£100.00) £500.00 15 March 2011 Principal | Deferral £400.00 £500.00 15 March 2011 Interest | Deferral £100.00 £500.00 15 April 2011 Principal | Deferral £400.00 £600.00 15 April 2011 Interest | Deferral £100.00 £600.00 15 April 2011 Interest | Deferral (£100.00) £600.00 15 April 2011 Principal | Deferral (£300.00) £600.00 15 April 2011 Principal | Repayment (£100.00) £500.00 13 May 2011 Principal | Repayment (£100.00) £400.00 13 May 2011 Principal | Deferral £400.00 £500.00 13 May 2011 Interest | Deferral £100.00 £500.00 13 May 2011 Interest | Deferral (£100.00) £500.00 13 May 2011 Principal | Deferral (£300.00) £500.00 15 June 2011 Interest | Deferral £100.00 £600.00 15 June 2011 Principal | Deferral £400.00 £600.00 15 June 2011 Interest | Deferral (£100.00) £600.00 15 June 2011 Principal | Deferral (£300.00) £600.00 15 June 2011 Principal | Repayment (£100.00) £500.00 15 July 2011 Principal | Deferral (£300.00) £600.00 15 July 2011 Interest | Deferral (£100.00) £600.00 15 July 2011 Principal | Deferral £400.00 £600.00 15 July 2011 Interest | Deferral £100.00 £600.00 15 July 2011 Principal | Repayment (£100.00) £500.00 15 August 2011 Principal | Deferral (£240.00) £585.00 15 August 2011 Interest | Deferral (£100.00) £585.00 15 August 2011 Principal | Deferral £340.00 £585.00 15 August 2011 Interest | Deferral £85.00 £585.00 15 August 2011 Principal | Repayment (£160.00) £425.00 15 September 2011 Principal | Deferral £280.00 £495.00 15 September 2011 Interest | Deferral £70.00 £495.00 15 September 2011 Interest | Deferral (£85.00) £495.00 15 September 2011 Principal | Deferral (£195.00) £495.00 15 September 2011 Principal | Repayment (£145.00) £350.00 14 October 2011 Principal | Deferral (£160.00) £407.50 14 October 2011 Interest | Deferral (£70.00) £407.50 14 October 2011 Principal | Deferral £230.00 £407.50 14 October 2011 Interest | Deferral £57.50 £407.50 14 October 2011 Principal | Repayment (£120.00) £287.50 31 October 2011 Principal | Deferral (£142.50) £337.50 31 October 2011 Interest | Deferral (£57.50) £337.50 31 October 2011 Interest | Deferral £50.00 £337.50 31 October 2011 Principal | Deferral £200.00 £337.50 31 October 2011 Principal | Repayment (£87.50) £250.00 30 November 2011 Principal | Repayment (£80.00) £170.00 30 November 2011 Interest | Deferral £42.50 £212.50 30 November 2011 Principal | Deferral £170.00 £212.50 30 November 2011 Principal | Deferral (£120.00) £212.50 30 November 2011 Interest | Deferral (£50.00) £212.50 30 December 2011 Principal | Deferral (£97.50) £247.50 30 December 2011 Interest | Deferral (£42.50) £247.50 30 December 2011 Interest | Deferral £35.00 £247.50 30 December 2011 Principal | Deferral £140.00 £247.50 30 December 2011 Principal | Repayment (£72.50) £175.00 31 January 2012 Principal | Repayment (£65.00) £110.00 31 January 2012 Principal | Deferral (£75.00) £137.50 31 January 2012 Interest | Deferral (£35.00) £137.50 31 January 2012 Principal | Deferral £110.00 £137.50 31 January 2012 Interest | Deferral £27.50 £137.50 02 February 2012 Principal | Repayment (£110.00) £0.00 02 February 2012 Interest | Repayment (£27.50) £0.00 02 February 2012 Principal | Deposit £420.00 £525.00 02 February 2012 Interest | Deposit £105.00 £525.00 29 February 2012 Principal | Deferral (£315.00) £630.00 29 February 2012 Interest | Deferral (£105.00) £630.00 29 February 2012 Principal | Deferral £420.00 £630.00 29 February 2012 Interest | Deferral £105.00 £630.00 29 February 2012 Principal | Repayment (£105.00) £525.00 30 March 2012 Principal | Deferral (£315.00) £630.00 30 March 2012 Interest | Deferral (£105.00) £630.00 30 March 2012 Interest | Deferral £105.00 £630.00 30 March 2012 Principal | Deferral £420.00 £630.00 30 March 2012 Principal | Repayment (£105.00) £525.00 13 April 2012 Principal | Repayment (£420.00) £0.00 13 April 2012 Interest | Repayment (£105.00) £0.00

Just out of interest, with regards to my above list - when working out a refund amount, do I take into consideration interest deferral, deposit or repayment and amounts in brackets does this mean money paid out ? so confused at the moment !!

Loan Summary Original Term of Loan: 25 days (This is the term of your loan starting from the date the agreement was made through to the last payment date as provided in the agreement- any Changes will have been notified to you) Date of Initial Advance: 03/07/2009 Amount of Credit: £230.00 Total Amount Due: £287.50 AMOUNT BALANCE 03 July 2009 Principal | Deposit £230.00 £287.50 03 July 2009 Interest | Deposit £57.50 £287.50 28 July 2009 Principal | Repayment (£230.00) £0.00 28 July 2009 Interest | Repayment (£57.50) £0.00 04 August 2009 Principal | Deposit £340.00 £425.00 04 August 2009 Interest | Deposit £85.00 £425.00 28 August 2009 Principal | Repayment (£340.00) £0.00 28 August 2009 Interest | Repayment (£85.00) £0.00 03 September 2009 Interest | Deposit £75.00 £375.00 03 September 2009 Principal | Deposit £300.00 £375.00 28 September 2009 Principal | Repayment (£300.00) £0.00 28 September 2009 Interest | Repayment (£75.00) £0.00 30 September 2009 Principal | Deposit £350.00 £437.50 30 September 2009 Interest | Deposit £87.50 £437.50 28 October 2009 Interest | Repayment (£87.50) £0.00 28 October 2009 Principal | Repayment (£350.00) £0.00 02 November 2009 Interest | Deposit £87.50 £437.50 02 November 2009 Principal | Deposit £350.00 £437.50 27 November 2009 Principal | Repayment (£147.50) £290.00 27 November 2009 Interest | Deferral £72.50 £362.50 27 November 2009 Principal | Deferral £290.00 £362.50 27 November 2009 Principal | Deferral (£202.50) £362.50 27 November 2009 Interest | Deferral (£87.50) £362.50 18 December 2009 Principal | Repayment (£290.00) £0.00 18 December 2009 Interest | Repayment (£72.50) £0.00 06 January 2010 Interest | Deposit £105.00 £525.00 06 January 2010 Principal | Deposit £420.00 £525.00 15 February 2010 Interest | Repayment (£105.00) £0.00 15 February 2010 Principal | Repayment (£420.00) £0.00 16 February 2010 Principal | Deposit £400.00 £500.00 16 February 2010 Interest | Deposit £100.00 £500.00 15 March 2010 Principal | Repayment (£100.00) £400.00 15 March 2010 Principal | Deferral £400.00 £500.00 15 March 2010 Interest | Deferral £100.00 £500.00 15 March 2010 Interest | Deferral (£100.00) £500.00 15 March 2010 Principal | Deferral (£300.00) £500.00 15 April 2010 Principal | Deferral £340.00 £585.00 15 April 2010 Interest | Deferral £85.00 £585.00 15 April 2010 Interest | Deferral (£100.00) £585.00 15 April 2010 Principal | Deferral (£240.00) £585.00 15 April 2010 Principal | Repayment (£160.00) £425.00 14 May 2010 Principal | Repayment (£145.00) £280.00 14 May 2010 Principal | Deferral £280.00 £350.00 14 May 2010 Interest | Deferral £70.00 £350.00 14 May 2010 Principal | Deferral (£195.00) £350.00 14 May 2010 Interest | Deferral (£85.00) £350.00 15 June 2010 Interest | Repayment (£70.00) £0.00 15 June 2010 Principal | Repayment (£280.00) £0.00 10 January 2011 Interest | Deposit £100.00 £500.00 10 January 2011 Principal | Deposit £400.00 £500.00 15 February 2011 Principal | Repayment (£100.00) £400.00 15 February 2011 Interest | Deferral (£100.00) £500.00 15 February 2011 Principal | Deferral (£300.00) £500.00 15 February 2011 Principal | Deferral £400.00 £500.00 15 February 2011 Interest | Deferral £100.00 £500.00 15 March 2011 Principal | Repayment (£100.00) £400.00 15 March 2011 Principal | Deferral (£300.00) £500.00 15 March 2011 Interest | Deferral (£100.00) £500.00 15 March 2011 Principal | Deferral £400.00 £500.00 15 March 2011 Interest | Deferral £100.00 £500.00 15 April 2011 Principal | Deferral £400.00 £600.00 15 April 2011 Interest | Deferral £100.00 £600.00 15 April 2011 Interest | Deferral (£100.00) £600.00 15 April 2011 Principal | Deferral (£300.00) £600.00 15 April 2011 Principal | Repayment (£100.00) £500.00 13 May 2011 Principal | Repayment (£100.00) £400.00 13 May 2011 Principal | Deferral £400.00 £500.00 13 May 2011 Interest | Deferral £100.00 £500.00 13 May 2011 Interest | Deferral (£100.00) £500.00 13 May 2011 Principal | Deferral (£300.00) £500.00 15 June 2011 Interest | Deferral £100.00 £600.00 15 June 2011 Principal | Deferral £400.00 £600.00 15 June 2011 Interest | Deferral (£100.00) £600.00 15 June 2011 Principal | Deferral (£300.00) £600.00 15 June 2011 Principal | Repayment (£100.00) £500.00 15 July 2011 Principal | Deferral (£300.00) £600.00 15 July 2011 Interest | Deferral (£100.00) £600.00 15 July 2011 Principal | Deferral £400.00 £600.00 15 July 2011 Interest | Deferral £100.00 £600.00 15 July 2011 Principal | Repayment (£100.00) £500.00 15 August 2011 Principal | Deferral (£240.00) £585.00 15 August 2011 Interest | Deferral (£100.00) £585.00 15 August 2011 Principal | Deferral £340.00 £585.00 15 August 2011 Interest | Deferral £85.00 £585.00 15 August 2011 Principal | Repayment (£160.00) £425.00 15 September 2011 Principal | Deferral £280.00 £495.00 15 September 2011 Interest | Deferral £70.00 £495.00 15 September 2011 Interest | Deferral (£85.00) £495.00 15 September 2011 Principal | Deferral (£195.00) £495.00 15 September 2011 Principal | Repayment (£145.00) £350.00 14 October 2011 Principal | Deferral (£160.00) £407.50 14 October 2011 Interest | Deferral (£70.00) £407.50 14 October 2011 Principal | Deferral £230.00 £407.50 14 October 2011 Interest | Deferral £57.50 £407.50 14 October 2011 Principal | Repayment (£120.00) £287.50 31 October 2011 Principal | Deferral (£142.50) £337.50 31 October 2011 Interest | Deferral (£57.50) £337.50 31 October 2011 Interest | Deferral £50.00 £337.50 31 October 2011 Principal | Deferral £200.00 £337.50 31 October 2011 Principal | Repayment (£87.50) £250.00 30 November 2011 Principal | Repayment (£80.00) £170.00 30 November 2011 Interest | Deferral £42.50 £212.50 30 November 2011 Principal | Deferral £170.00 £212.50 30 November 2011 Principal | Deferral (£120.00) £212.50 30 November 2011 Interest | Deferral (£50.00) £212.50 30 December 2011 Principal | Deferral (£97.50) £247.50 30 December 2011 Interest | Deferral (£42.50) £247.50 30 December 2011 Interest | Deferral £35.00 £247.50 30 December 2011 Principal | Deferral £140.00 £247.50 30 December 2011 Principal | Repayment (£72.50) £175.00 31 January 2012 Principal | Repayment (£65.00) £110.00 31 January 2012 Principal | Deferral (£75.00) £137.50 31 January 2012 Interest | Deferral (£35.00) £137.50 31 January 2012 Principal | Deferral £110.00 £137.50 31 January 2012 Interest | Deferral £27.50 £137.50 02 February 2012 Principal | Repayment (£110.00) £0.00 02 February 2012 Interest | Repayment (£27.50) £0.00 02 February 2012 Principal | Deposit £420.00 £525.00 02 February 2012 Interest | Deposit £105.00 £525.00 29 February 2012 Principal | Deferral (£315.00) £630.00 29 February 2012 Interest | Deferral (£105.00) £630.00 29 February 2012 Principal | Deferral £420.00 £630.00 29 February 2012 Interest | Deferral £105.00 £630.00 29 February 2012 Principal | Repayment (£105.00) £525.00 30 March 2012 Principal | Deferral (£315.00) £630.00 30 March 2012 Interest | Deferral (£105.00) £630.00 30 March 2012 Interest | Deferral £105.00 £630.00 30 March 2012 Principal | Deferral £420.00 £630.00 30 March 2012 Principal | Repayment (£105.00) £525.00 13 April 2012 Principal | Repayment (£420.00) £0.00 13 April 2012 Interest | Repayment (£105.00) £0.00 Current Amount Repayable £0.00

I will try and upload the full list - may be a rather long post!

Hi All QUICK UPDATE - I have received a statement of account from PDUK, is there a way of working out a rough idea of the amount possibly owed back, the info is 3 pages long and there are about 59 entries of interest deposit, repayment and de-ferrals - the loans ran from Jul 09 - Mar 12 ! Here is a short example of what I have received 13/05/2011 Principal | Deferral (£300.00) £500.00 15/06/2011 Interest | Deferral £100.00 £600.00 15/06/2011 Principal | Deferral £400.00 £600.00 15/06/2011 Interest | Deferral (£100.00) £600.00 15/06/2011 Principal | Deferral (£300.00) £600.00 15/06/2011 Principal | Repayment (£100.00) £500.00 15/07/2011 Principal | Deferral (£300.00) £600.00 15/07/2011 Interest | Deferral (£100.00) £600.00 15/07/2011 Principal | Deferral £400.00 £600.00 15/07/2011 Interest | Deferral £100.00 £600.00 15/07/2011 Principal | Repayment (£100.00) £500.00 15/08/2011 Principal | Deferral (£240.00) £585.00 15/08/2011 Interest | Deferral (£100.00) £585.00

Hi My bank statements probably would yes but I was looking for the easier option first before I trawled through them, because I had so many of them and it was a while ago its not fresh in my mind. although it nearly cost me my marriage so I will fight them ! thanks to everyone for the replies it really helps in this minefield !

Great thank you - I have a feeling judging by their response computer says no! Wish they would have said no the first time I ever contacted them!

Hi Thank you for the reply, I will log it as a formal complaint as you suggested, I can safely say I had many many other loans on the go at the time and it wasn't my first loan and i did roll over and over, how do I get accurate loan information as this particular one is not on my credit report ? Can I request it from them directly ? Thank you

Hi all Hoping you may be able to help me, I was stupidly heavily in debt in 2011 with 16 different payday loan companies (all clear and debt free since then) , I am now in the process of emailing them all regarding irresponsible lending, so far I have had generic responses but nothing further at the moment. I have received this from 247 moneybox and would like some advice on how to respond - not shocked with the response to be honest! Dear.... Hope that you are well. Please find below a copy of our complaints procedure. We are aware that there are many forums and templated letters available on the internet to exploit any previous credit commitments under the wholly subjective banner of affordability. We have seen some legitimate claims upheld in the press such as with the lender Cash Genie. However, to compare our actions with their reported behaviour is inappropriate. We are confident that the required assessments were carried out prior to the advance of all loans. We have had relatively few instances where customers have ultimately look to take recourse with the Financial Ombudsman Service and our record there is good as we are able to substantiate fully the information on which lending decisions were based. Our relationship was based on responsible lending in addition to responsible borrowing. We provided you with all the facts about our product and the charges and costs involved. We treated you as a rational individual able to make a credible decision as to whether to borrow or not. For our part of the relationship we acted on the information available to us at the time and the prevailing regulations and guidance at the time. I am your personal account manager and would be happy to discuss any of the above with you over the phone. I am available on 0207 183 8078 between 08:30 and 18:00 Monday to Friday. If you would prefer, please do feel free to provide a number and time at which I can reach you directly. Kind regards, Shahan Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk 247Moneybox 20-22 Wenlock Road London N1 7GU Complaints Procedure Customer satisfaction is of utmost importance to 247Moneybox. Please do not hesitate to contact us if you are dissatisfied with our service in anyway. We hope that it never comes to this, however should you wish to make a formal complaint in writing, please address your letter to: Customer Services Department 247Moneybox 20-22 Wenlock Road London N1 7GU If you have a complaint, please write to our Customer Services Department at the address set out above, e-mail us at Upon receipt of your complaint we will do our best to resolve your complaint by the end of the next business day. If we can't do this, we will send you a prompt written acknowledgement of your complaint within 5 working days and tell you who is dealing with it. In addition, we will provide you with a copy of our complaints procedure. If we need to investigate your complaint further to respond fully, we will tell you and keep you regularly updated. We will send you our final response as soon as possible but within eight weeks of receiving your complaint. Our final response will explain that you will have ultimate recourse to the Financial Ombudsman Service if you remain dissatisfied. We will enclose a leaflet (or provide a link to information) from the Financial Ombudsman Service with our final response to assist you if you decide to pursue this further course of action. If looking to do so, you will need to contact the Financial Ombudsman Service within six months of receiving our final response. If you want to make a complaint to our trade association (BCCA), their contact details can be found at the end of this procedure. Our trade association will liaise with us to ensure your complaint is investigated fully and a response is sent out to you.