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NSF’s scheme for Everyday Loans, George Banco & Trust Two – now completed

If you had an Everyday Loan or Evlo loan (their rebrand) that started after 31 March 2021, you can make an affordability complaint about this. This isn’t through the Scheme discussed on this page, so you may get a larger refund. Use my “large loan template “.

If your complaint is rejected, send it to the Financial Ombudsman (FOS)  straight away, as that article explains. FOS will be able to look at these complaints as they are about loans that are not included in the Scheme.

|The deadline to make a claim to the NSF scheme has now passed.

Non-Standard Finance group (NSF) proposed a Scheme of Arrangement in March 2023. This Scheme was approved in June 23.

NSF had three brands: Everyday Loans (lending from high street shops) and George Banco and Trust Two (two guarantor lenders). All customers with loans that started before 31 March 2021 had to make a claim to the Scheme to be considered for a refund.

At the end of July 2024, NSF announced that people with an upheld claim will be paid 25.73p in the £. Payments started in August 2024. That Scheme has now closed.

Contents

  • What is “a Scheme of Arrangement”?
  • What is unaffordable lending?
  • The Scheme timetable
  • Make a claim to the Scheme
  • What happens after you have made a Claim

What is “a Scheme of Arrangement”?

What is the purpose of a Scheme?

A Scheme is a formal legal arrangement that allows a firm to change the rights of some or all of its creditors.

Customers who have been given an unaffordable loan (see below for a definition of this) have the right to make a complaint and take it to the Ombudsman if the lender rejects it. People will normally get a refund of interest if they win their case.

A Scheme changes these rights:

  • any affordability complaints have to be made within a 6 month window – no one can make a claim after that even if they did not know about the Scheme;
  • the decision to uphold or reject the complaint is then made within the Scheme and there is no right of appeal to the Financial Ombudsman;
  • people owed a refund in cash will only be paid a percentage of it as there is a limited amount of money that all refunds have to be paid from.

So the lender gains as they will pay less to settle these complaints and at the end of the Scheme there can’t be any more complaints.

Other similar Schemes

NSF is now the 5th bad credit lender to seek the protection of a Scheme that will limit the refunds it has to pay to its customers for unaffordable lending:

  • schemes by ICL (payday loans eg the Money Shop) and Provident (doorstep lending) have completed. Each paid out about 5% to customers who had their claims upheld
  • an Amigo (guarantor loans) Scheme is underway but Amigo failed to raised the necesary capital to continue in business. so it will be liquidated when the Scheme ends.
  • Morses Club had a Scheme approved but it then went into administration and their scheme failed.

What is unaffordable lending?

A lender has to check that a loan is affordable for customers before giving the loan.

For Everyday Loans, this is a check on the affordability for the borrower (or borrowers where the loan is a joint loan);

With guarantor loans from George Banco and Trust Two, the loan has to be affordable for both the borrower and the guarantor. A guarantor has to be able to make the repayments out of spare income – simply owning a house does not mean that a loan is affordable.

The Financial Ombudsman (FOS) has set out what it looks at in an affordability complaint.

A simple summary is that when the loan was given it has to have been likely that you could repay it on time, without having to borrow more or get behind with bills. So if all the loan payments were made on time, the loan may still have been unaffordable if repaying it meant that your credit card balance or overdraft increased.

The Scheme timetable

  • 28 April 2023 – Court Convening hearing  – approved the voting arrangements
  • May & early June 2023 – voting on the Scheme.
  • 22 June 2023 – Court Sanction hearing – approved the Scheme
  • July to end December 2023 – customers have 6 months to submit a claim to the Scheme. Claims after this point will not be considered in the Scheme and will not be able to go to FOS.
  • by end December 2023 – NSF raises enough money to continue and pays £14m into the Scheme to be distributed. If this is not successful the company is likely to go into administration.
  • April 2024 – refunds paid from the Scheme.

Raising the £14m for the Scheme

NSF originally proposed two ways to raise new capital – Plan A and Plan B. Since March it has abandoned Plan A and now proposes:

a transfer of the Group’s business to the secured lenders in exchange for the release of a portion of their secured debt and the provision of a new lending facility. Part of the proceeds from this new lending facility would be used to fund the Scheme Fund and cover the costs of the Scheme.

This has not changed the amount of money that is likely to be available to distribute in the proposed Scheme.

Make a claim to the Scheme

It is now too late to make a claim to the Scheme.

What happens after you have made a Claim

NSF will decide whether to uphold your Claim.

What refund may you get?

If an affordability complaint is upheld in the Scheme, the compensation (called “redress”) is calculated:

  • for upheld loans that have been repaid, the redress is the interest paid;
  • for outstanding upheld loans, interest is removed so the borrower only has to repay in total the amount they borrowed. This may mean a lower balance is owed or that the loan cleared and a cash refund is due.

Where your balance is being reduced or cleared, this will be paid “in full”.

But where a cash refund is calculated, you will not receive that amount. The amount you will get will depend on the total cash refunds calculated and the amount of money in the Scheme to be distributed.

NSF says customers may get paid 24-31% of the calculated cash refund

This is a very uncertain estimate. It depends on how many people make a claim to the Scheme.

It also depends on how many of the claims are upheld and how many of the loans in each claim are upheld.

Credit records

NSF is likely to remove loans that it decides are unaffordable from your credit record.


More articles:

Card & catalogue affordability complaints

refunds from overdraft charges

Can you get an overdraft refund?

refunds from large loans example logos

Refunds from large loans

January 7, 2025 Author: Sara Williams Tagged With: Schemes of Arrangement

Comments

  1. Dan says

    July 22, 2024 at 10:43 am

    So there’s your answer from email, They ain’t plaanning on getting them out any time soon

    Hi, Thank you for your message. We are still on track to make payments in August 2024, so please look out for our next communication at the end of this month which will advise the percentage figure all will be paid on. Once the communication has been received, from the NSF Group which is due to be sent the last week of this month (July 24) the payments will start being made, so I would say early August 24. Kind regards Su

    Reply
    • Doubting Thomas says

      July 22, 2024 at 11:48 am

      What do you mean “not getting them out any time soon”?
      It’s the end of July next week – so % will be confirmed.
      Then it’s I think within 15 days they have to payout by.
      So this is actually quick.

      I’ve sat with people from Grant Thornton today and they confirmed that they had system outages due to the crowdstrike issue on Friday.
      So that’s why the report hasn’t been made public yet.
      Priorities are getting back up and running.

      Reply
    • Malin says

      July 30, 2024 at 2:46 pm

      Just received my email yesterday telling me the amount and the email states that it will be paid within 2 weeks of the email

      Reply
  2. Sara (Debt Camel) says

    July 22, 2024 at 2:49 pm

    the comments at the moment are getting increasingly bad tempered and repetitive. Trying to convince other people commenting that they are wrong is not going to get you any news faster or and payment earlier.

    I suggest waiting for a few more days to see if the report is published.

    Reply
    • Kyle says

      July 30, 2024 at 11:21 am

      Hi Sara, I had an email yesterday stating 25.73p in the £ is the final amount and that I will be paid within 2 weeks of the email. I will update again once money received, total refund is £562.21 less £31.44 tax on interest. So I shall receive £530.77

      Hope this helps, all factual based on email received Monday (yesterday).

      Reply
  3. KH says

    July 22, 2024 at 6:08 pm

    See below which I am sure others may be interested in. I received this directly from the Scheme Supervisor after emailing her this afternoon. The delay is not connected to the Crowdstrike incident.

    We are currently waiting on some information from the company before issuing the next Scheme Supervisors report. As the issuance of this report that would trigger the requirement for the company to make distributions available to scheme creditors, you will appreciate the company is looking to ensure all information required is provided. We would hope the issue the report later this week.

    Reply
  4. Sara (Debt Camel) says

    July 24, 2024 at 7:00 am

    No one should make any plans based on receiving their refund at any particular time.

    Reply
    • Sara (Debt Camel) says

      July 24, 2024 at 7:50 am

      This is just a general comment. I’m not saying you won’t get paid. But these things can take a lot longer than you would believe. I have seen a lot of them. No point I’m getting worked up about it, it won’t achieve anything apart from stress for you.

      Reply
      • Rylan says

        July 24, 2024 at 7:54 am

        This comment coming out of the blue sounds like you know something we do not

        Reply
        • Sara (Debt Camel) says

          July 24, 2024 at 10:11 am

          I don’t

          Reply
      • Leanne says

        July 24, 2024 at 10:05 am

        I made that mistake when the payment was originally due April 😔 was planning on using it for spending money for my holiday but when no payment came I had to make alternative arrangements

        Reply
  5. Kel says

    July 24, 2024 at 9:20 am

    Totally agree , and any money back eventually is a bonus !

    Reply
  6. Sean Cousins says

    July 25, 2024 at 11:56 am

    I was in a debt Management plan two months in, as my job fell through as a teacher. They said I’d be eligible for this and then rejected it anyway. The adjudicator still rejected it without any reason why, can I do anything?

    Reply
    • Sara (Debt Camel) says

      July 25, 2024 at 12:08 pm

      was this loan affordable at the time it was given? and only stopped being affordable when you lost your job?

      Reply
  7. Ben Maguire says

    July 25, 2024 at 9:44 pm

    Notification on the portal to say adjudication all complete and everyone should have had a letter but I’ve not had anything through, does anyone know the %age?

    Important Notice: 25 July 2024
    We would like to express our sincere gratitude for your patience and understanding throughout the process of us reviewing your claim.

    We have now completed adjudication of all claims and all claimants should have received a final outcome letter regarding their claim. You can view the outcome of your claim and ascertained claim value through the claims portal available at http://portal.nsfclaims.co.uk. If you are unable to access the claims portal, you can also call 0330 045 0685 (local rates apply), lines are open between 9am and 5pm Monday to Friday.

    The Scheme Supervisor’s report will be released shortly, we have delayed the release by a few days so that the report can include the final Scheme Payment Percentage. Any outstanding scheme payments will be made shortly after the report is released and we expect all payments to be complete by the end of August.

    Reply
    • Leanne says

      July 25, 2024 at 9:57 pm

      The letter will be the 1 you received letting you know if your claim was upheld or not.

      The percentage won’t be released until the report is published

      Reply
    • Al says

      July 25, 2024 at 10:33 pm

      You should have had an outcome now informing you if your claim has been successful.

      When you log into the portal it will allow you check the status of your claim – check this and too see if there is a change in the status or you should have received an email. Did you have an initial outcome and then challenge it?

      Reply
  8. Rebecca says

    July 25, 2024 at 10:55 pm

    Great news, it’s happening every one. Let’s just hope the percentage is the higher end.

    Reply
  9. Kellie says

    July 25, 2024 at 11:49 pm

    Good news that there is finally an update. I called just before 5pm. I was told that emails will be going out before Wednesday advising on percentage and sum that will be received, followed by payment during August.

    Reply
    • Missie says

      July 26, 2024 at 7:11 am

      Payment now end of August

      Reply
      • Gemma says

        July 26, 2024 at 2:34 pm

        Don’t count on it being August at all. In April we were still being told it was going to be paid right up to an out of the blue announcement that it would be August.

        Reply
    • PDN says

      July 26, 2024 at 12:55 pm

      Did they say the letter will go out via email or post? Is it available via the portal as I cannot see anything

      Reply
      • Charl says

        July 26, 2024 at 1:04 pm

        I’ve never had a letter sent to my home address. All communications have been via email and the portal.

        Reply
      • Marc says

        July 26, 2024 at 2:52 pm

        The letter they’re referring to is the one that told you your claim has been upheld, you probably had it via post or email months ago.

        Reply
    • Mr Craig Anderson-Jones says

      July 26, 2024 at 4:36 pm

      I have not received an email, letter or anything. The status has been the same since June, which is ‘claim upheld.’ I’m not making any plans on getting anything, tbh. If I do – great – if not, then it is what it is.

      Reply
  10. Kel says

    July 26, 2024 at 7:16 am

    Mine still says upheld ??

    Reply
    • Marc says

      July 26, 2024 at 2:51 pm

      That’s a good thing isn’t it? Where you expecting it to chance for some reason?

      Reply
  11. Ross says

    July 26, 2024 at 12:13 pm

    My claim was upheld in February but I’ve hears nothing since, is the letter a physical one being sent to my home address or email?

    Reply
    • Marc says

      July 26, 2024 at 2:49 pm

      Have you not had your letter already? How do you know your claim was upheld?

      Reply
    • KH says

      July 26, 2024 at 2:53 pm

      Everything so far has been by email as far as I know. I couldn’t locate the original email so rang them this morning and they forwarded it to me. You could try that.

      Reply
  12. Richard Bagshaw says

    July 26, 2024 at 1:37 pm

    Wasn’t there something in the court agreement that stated they had to pay within a certain time of the adjudication finishing? 14 days or something as far as I remember.
    Late August doesn’t meet that obligation.

    Reply
    • Leanne says

      July 26, 2024 at 6:14 pm

      5.3 Promptly, and in any event within 15 Business Days, following the determination of the Scheme Payment Percentage in accordance with Clause 5.2, ELL shall make Scheme Payments to Scheme Creditors. A Scheme Creditor’s Scheme Payment shall be equal to the amount of its Net Ascertained Scheme Claim multiplied by the Scheme Payment Percentage

      So they have to make payment within 15 business days of providing the percentage.

      I thought someone had said on the post earlier that they have 10 business days after all adjudications had been completed to provide the percentage but looks like it will be longer than that if people are saying the percentage won’t be released until Wednesday

      Reply
  13. Simon says

    July 26, 2024 at 1:44 pm

    My letter can be found under the ‘Messages’ tab

    Reply
  14. Doubting Thomas says

    July 26, 2024 at 3:57 pm

    Right hopefully this will clear things up:

    1) the letter they refer to on the website is the Claim Upheld EMAIL you would have received.
    If you haven’t received an email, log into the Portal and check if your claim is upheld – if so contact NSF on the details at the bottom of their website.

    2) The Report will be released in a few days time which will mention the Dividend % of claim value you will receive.

    3) Once this report is published you will get a notification of how much funds you will be recieving WITHIN 15 WORKING days of the announcement being posted.

    4) Depending on your bank you will receive the funds within 5 WORKING days of the receipt of funds value being confirmed.

    5) Not sure of anything RING the number on the website – they are very helpful and NO they are nit fobbing you off if they can not confirm or answer a question they have no knowledge of.

    Reply
  15. Kellie says

    July 26, 2024 at 4:42 pm

    The letter people will have had previously confirmed two things- claim successful and the claim value (subject to a percentage) or claim rejected.

    The email we should receive by Wednesday will give the precise sum to be received and the related percentage.

    Hope that clarifies.
    Kellie

    Reply
  16. Jamie says

    July 29, 2024 at 9:27 am

    So are they waiting until exactly 31st? To send this alleged email??

    Reply
    • Sara (Debt Camel) says

      July 29, 2024 at 9:38 am

      no one knows

      Reply
  17. Sara (Debt Camel) says

    July 29, 2024 at 2:57 pm

    At last! The Scheme Supervisors report has been published and the % announced:

    “The latest Scheme Supervisors report is available and shows that the final Scheme Payment Percentage has been calculated as 25.73p/£. All claimants will receive a payment of 25.73% of the net ascertained claim value (subject to the deduction of any withheld tax which will be paid directly to HMRC). You should receive a communication shortly advising you of the amount via email or post. Any outstanding payments will be made shortly and we expect all payments to have been complete by the end of August. “

    Reply
    • Al says

      July 29, 2024 at 3:03 pm

      What does the bit about tax mean? Are we all also paying tax on top of this?

      Reply
      • Sara (Debt Camel) says

        July 29, 2024 at 3:14 pm

        There is no tax dues on the refund part. There is potentially tax due on the 8% added interest. But in schemes and administrations, a deal is normally sorted out with HMRC so that almost no-one actually has any tax deducted… But it seems that NSF hasn’t done this.

        “You should receive a communication shortly advising you of the amount via email or post.” This communication should tell you how much tax has been deducted. If nothing is mentioned, check if you are getting 25.73% and if it looks like less, as NSF for a certificate of tax deducted – they have to give you this and you may be able to reclaim some or all of it from HMRC.

        Reply
        • KH says

          July 29, 2024 at 3:52 pm

          Thanks Sara for the clarification on the tax aspect and for all the helpful information you and others have provided since the scheme began last June. It was a lengthy process but hopefully everyone who is due a refund will receive it shortly.

          Reply
        • Leanne says

          July 29, 2024 at 4:54 pm

          I’m unable to work due to ill health, will they take tax off my payout as it’s classed as income or do I still have a tax free allowance?

          Reply
          • Sara (Debt Camel) says

            July 29, 2024 at 5:31 pm

            yes but you can claim all the tax deducted back if you don’t normally pay income tax.

            See https://debtcamel.co.uk/ppi-payday-refund-get-back-tax/. You are being taxed on the 8% part of your claim – the amount of that should have been listed on the email decision you were sent. The amount of tax they are deduction will be on the email you will get in the next day or so.

    • Zoe says

      July 29, 2024 at 3:03 pm

      Thanks Sara, for this page and updating us all accordingly.

      As per report: All payments to be made 15 business days from today so we should receive payouts by 19th August 2024.

      Pleased its “slightly higher than the 24%, means I have £340 to be reimbursed.

      Finally some good news!

      Reply
      • Kelly Hobrough says

        July 29, 2024 at 4:12 pm

        My total was £6144, so do I receive 25% of that?

        Reply
        • Charl says

          July 29, 2024 at 4:50 pm

          Pretty much yes. My claim was £7286, meaning I should get £1874

          Reply
        • Amanda says

          July 29, 2024 at 4:54 pm

          Yes but they are taking tax off, I just received an email with what I’m getting, I don’t earn enough to pay tax so will have to claim it back.

          Reply
  18. Keith says

    July 29, 2024 at 3:27 pm

    So do we get the claim value plus 8% interest then work out what 25% is?

    Reply
    • John C says

      July 29, 2024 at 4:33 pm

      Your total claim value on the portal, will be the interest paid, plus the 8%. It will be listed out in the original email you received when the claim was upheld. Mine showed value of loan, the interest paid and the 8% on top. As it was so long ago, the 8% was bigger than the interest paid. Its called Claim Compensatory Interest in the table

      Reply
    • Margaret cairney says

      July 29, 2024 at 5:03 pm

      I got my email and they are taking tax from my amount

      Reply
  19. Richard Bagshaw says

    July 29, 2024 at 3:49 pm

    Woo hoo by my calculation I’ll get a tenner 😂😂
    At least it’s gone from my credit record though

    Reply
  20. Balajake says

    July 29, 2024 at 4:41 pm

    I just had an email saying I will receive my payment within 14 days minus £45 tax which will be given to HMRC

    Reply
    • Margaret Cairney says

      July 29, 2024 at 11:18 pm

      Same £45 took off

      Reply
  21. John C says

    July 29, 2024 at 4:42 pm

    Just got my email through, £275 deducted for tax, not a massive surprise. Hopefully see the money within the next 2 weeks. £2548, better than I thought it might end up. Surprised no interest earnt on the £14m in the bank for a year

    Reply
  22. Heather Rolls says

    July 29, 2024 at 4:42 pm

    Just got my email 🥳 payment to be made within 2 weeks of the email so not long now

    Reply
  23. Jemma Evett says

    July 29, 2024 at 4:42 pm

    I got my email today with the amount I will be receiving but it went into my spam so worth checking there if anyone hasn’t received it yet

    Reply
  24. Tom says

    July 29, 2024 at 4:44 pm

    Received my e-mail and they have deducted tax however you can potentially claim this back from HMRC. Please see. https://www.gov.uk/apply-tax-free-interest-on-savings

    Also says to expect payment within 2 weeks of the email so more good news

    Reply
  25. Kelly says

    July 29, 2024 at 4:51 pm

    Just received my email. The payment will be made within 14 days.

    Reply
  26. AB says

    July 29, 2024 at 4:52 pm

    Just had myvensil it says
    Due to the volume of payments due to customers/guarantors, you will receive your payment within 2 weeks of this email. If you do not receive your payment within 2 weeks, please contact the Scheme Support Team using the details provided below.

    They’ve taken tax figure of £166
    from me but have clearly stated this x thank god it’s over xx 🙏

    Reply
  27. Maria says

    July 29, 2024 at 4:52 pm

    Check junk email guys. Received my final amount email! To be paid within 2 weeks. Heads up it’s the lower of the percentages but still grateful!

    Reply
  28. peter says

    July 29, 2024 at 4:58 pm

    REcieved my email today! Payment within two weeks…

    Reply
    • Nicola says

      July 29, 2024 at 5:36 pm

      Also had an email today confirming amount and payment within 2 weeks.

      If anyone knows how you would claim back the tax on the interest they deduct to pay to HMRC be good to know. Would we have to wait until end of tax year when total interest earnt on savings has been calculated?

      Reply
      • carina J saxby says

        July 29, 2024 at 6:47 pm

        Hi Nicola,
        Awaiting my email also. Can you confirm the % please?

        Many thanks

        Reply
  29. Wayne says

    July 29, 2024 at 5:20 pm

    Great news, well happy.

    I have just had this through from them.

    The Scheme is now in a position to make a payment (before tax) of £606.6.

    You will receive a payment of £580.32. Your payment represents 25.73p in the £ on your agreed claim value of £2357.18. Where required, we have deducted withholding tax, which will be paid to HMRC on your behalf. We can confirm that £26.28 of withholding tax has been deducted from your dividend payment and will be paid to HMRC. Tax is due on the interest element of your ascertained claim as it is treated as income. You may be entitled to claim this back from HMRC depending on your personal circumstances.

    A load of comments about CMC’s which I’ve removed

    As per our previous assessment email, we have also taken steps to update your credit file in accordance with the outcome of your redress assessment.

    When will I receive my payment?

    Due to the volume of payments due to customers/guarantors, you will receive your payment within 2 weeks of this email. If you do not receive your payment within 2 weeks, please contact the Scheme Support Team using the details provided below.

    Reply
  30. J says

    July 29, 2024 at 5:21 pm

    This is great news for all who are owed some money back. Thank you Sara for this page and to everyone who has kept us all in the loop with proceedings. You have made the process much easier to follow and I am sure you have settled many people’s anxieties.

    Reply
  31. Gemma says

    July 29, 2024 at 5:33 pm

    I’ve not had any emails. Checked my spam too.

    I’m concerned that others have had their email with amount.

    Reply
    • Terry says

      July 29, 2024 at 6:00 pm

      I’ve not had email either don’t worry I called them today and they told me how much I was getting and just checked my bank details were right and said they are starting payment from the 5th August.

      Reply
  32. Sara (Debt Camel) says

    July 29, 2024 at 5:36 pm

    TAX DEDUCTED

    You are being taxed on the 8% part of your claim as that is taxed as savings – the amount of that should have been listed on the email decision you were sent. The amount of tax they are deducting will be on the email you will get in the next day or so.

    Many people will be able to claim back up to £200 of tax deducted from HMRC. See https://debtcamel.co.uk/ppi-payday-refund-get-back-tax/ which looks at who can claim how much back.

    Reply
  33. Keith says

    July 29, 2024 at 5:48 pm

    My email has just arrived

    Reply
  34. Andrew says

    July 29, 2024 at 5:53 pm

    Received my email I’m getting £800 after they’ve paid tax of £49

    Reply
  35. Chris says

    July 29, 2024 at 5:53 pm

    I have received a email today 4:36pm from NSF group with the amount I will be paid. It equates to 25.73p on the £ which is smaller than what was previously promised.

    Reply
    • Al says

      July 29, 2024 at 8:45 pm

      The estimates (not promised) that were previously given were 24-31, so it’s a little over the minimum they estimated

      Reply
  36. Lynsey Jones says

    July 29, 2024 at 6:25 pm

    My claim was originally for £13587 but it’s still a bonus what I get and atleast we actually no now when we are getting it.

    Reply
  37. Karen says

    July 29, 2024 at 7:59 pm

    I’ve not had an email either. Will give it a couple of days see what happens

    Reply
    • Zoe says

      July 30, 2024 at 2:29 am

      Check you spam/junk folder many peoples have gone in there.

      Reply
  38. Rachael says

    July 29, 2024 at 8:00 pm

    Is it just en email people are receiving or can you also view it on the portal regarding your payment

    Reply
    • PDN says

      July 29, 2024 at 9:07 pm

      Is anyone else now unable to login to their account to see messages etc?

      Reply
    • Zoe says

      July 30, 2024 at 2:29 am

      There isn’t a letter/message on my portal. But I received an email which was in my junk/spam folder. So please check there.

      Reply
      • Rachael says

        July 30, 2024 at 10:10 am

        I’ve rang them they sent it to my old email which I don’t have access to no more as unfortunately they couldn’t update to my new email but gave me my figure over the phone.
        But thank you every one on here and Sara for all the advice it’s been good to gain knowledge and gather information on here.

        Reply
  39. brett sharp says

    July 30, 2024 at 10:11 am

    £4666 just landed in my account !!!!!

    Reply
    • Leanne says

      July 30, 2024 at 10:29 am

      Hope mines is in soon

      Reply
    • Tan says

      July 30, 2024 at 2:06 pm

      Wowser! Congratulations:-)

      Reply
  40. Stacey says

    July 30, 2024 at 10:15 am

    My payments just been recieved 2 mins ago x it’s finally over x

    Reply
    • Gemma says

      July 30, 2024 at 10:43 am

      Wow. A comment earlier said they were starting payments from 5th.

      Reply
    • Fiona Tuite says

      July 30, 2024 at 2:41 pm

      Me too!! So relieved!

      Reply
  41. Gavin says

    July 30, 2024 at 10:38 am

    Payment received , nice £1800 :)

    Reply
  42. Kat says

    July 30, 2024 at 10:45 am

    I received my payment today !!!

    Reply
  43. Tracey says

    July 30, 2024 at 11:05 am

    I just received my money

    Reply
  44. Richard says

    July 30, 2024 at 11:06 am

    Just had my payment at 11:04

    Reply
  45. Angie says

    July 30, 2024 at 11:06 am

    Not had email but had my payment happy days!

    Reply
  46. Terry says

    July 30, 2024 at 11:07 am

    Payment also received. I was told I paid a small amount of interest. Can I claim this back?

    Reply
    • Sara (Debt Camel) says

      July 30, 2024 at 3:40 pm

      do you mean claim back the tax deducted? See https://debtcamel.co.uk/ppi-payday-refund-get-back-tax/ for how to do this

      Reply
  47. Helen van-aston says

    July 30, 2024 at 11:29 am

    My email arrived yesterday. Would like to thank everyone on this website 😀 it has been the best for updates 😀
    Looks like people are getting their money today 😀
    Keep checking my bank 🤣
    Good luck everyone x

    Reply
  48. Ryan says

    July 30, 2024 at 11:41 am

    Money has been received already ! all over and done with now fantastic :)

    Reply
  49. Karen says

    July 30, 2024 at 12:23 pm

    Hi I’ve not heard anything. No email(checked junk).
    Will it make a difference if I am on a DMP?

    Reply
    • Sara (Debt Camel) says

      July 30, 2024 at 3:39 pm

      no it shouldn’t. The cash refund goes to you. You may be able to use it to settle some of the debts in your DMP for less – see https://debtcamel.co.uk/debt-options/less-common/full-final/

      Reply
      • Karen says

        July 30, 2024 at 6:54 pm

        Because I have not paid off the original debt. Any interest is not being charged. So just have pay off remaining debt through DMP😟

        Reply
        • Sara (Debt Camel) says

          July 31, 2024 at 5:25 am

          If you win an affordability complaint about a loan, the balance should be reduced to what you borrowed less what you have paid so far. And if you have already paid more than you borrowed, you should get a cash refund – whether this is in a DMP or not.

          Have you had a decision saying your claim has been upheld as unaffordable?

          Reply
  50. Laura says

    July 30, 2024 at 12:32 pm

    I’m so so happy for you all that have recieved your money and Brett, that’s a game changer. Onwards and upwards all :)

    Reply
  51. Daniel says

    July 30, 2024 at 12:33 pm

    Payment Received today 😃

    Reply
  52. Markus says

    July 30, 2024 at 1:37 pm

    Just got my payment, that was quicker than I was expecting! 🥳

    Reply
  53. connor wignall says

    July 30, 2024 at 2:05 pm

    Thank you Sarah for giving us all a place to post updates and keep in touch.

    This page has been a god send. Great news for us all that this is over and we will be getting paid shortly.

    Reply
  54. Tan says

    July 30, 2024 at 2:05 pm

    £613 after tax from Everyday Lending arrived in my account about 1.45 PM today. I hope those who haven’t received a payment yet will get it sooner rather than later. Sara as always, my gratitude for your website and all your advice. You truly are a gem of a woman. Thank you so much.

    Reply
  55. keith says

    July 30, 2024 at 2:09 pm

    just rrcieved my payment at 1.55pm, looks like they are making them today. my surbame starts with H if there going in order

    Reply
  56. Zoe says

    July 30, 2024 at 2:14 pm

    I have just received my payment, just to inform people that these are going in at different times in the day. Hope everyone gets their payments soon.

    Reply
  57. Laura says

    July 30, 2024 at 3:06 pm

    Just checked my bank and received mine..
    Thank goodness it over xx

    Reply
  58. Nicola Martin says

    July 30, 2024 at 3:17 pm

    I received my email yesterday, and the money was in my account by lunchtime today 😊 thanks to everyone in the group for all the updates

    Reply
  59. Charl says

    July 30, 2024 at 3:20 pm

    Received mine :) finally the end

    Reply
  60. Doubting Thomas says

    July 30, 2024 at 3:31 pm

    Definitely quicker than Amigo:)
    Funds in – Merry Christmas everyone:D

    Reply
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