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How to get a payday loan refund

Have you had problems with payday loans? You can get a refund of the interest you paid on “unaffordable” loans.

It’s easy to ask for a payday loan refund using the free template here. This works if your payday loans were repaid or you still owe money.

Contents

  • What are “unaffordable” loans?
  • How much compensation can you get?
  • Which lenders can you get refunds from?
  • Do this before, before you send in a complaint
  • Start your complaint
    • Some ways to improve this
    • Only one loan?
  • Waiting for a reply from the lender
  • Lender rejects the complaint or makes a poor offer
    • Give up?
    • A good enough case to go to the Ombudsman?
    • How to send a complaint to FOS
    • What happens after you have sent a case to FOS
  • A few problem cases
  • More help

What are “unaffordable” loans?

The regulator says:

“the borrower should be able to make the required repayments without undue difficulty, whilst continuing to meet other debt repayment obligations and reasonable regular outgoings.”

That means a payday loan is only affordable if you repaid it on time and you could still manage to pay your other bills and debts.

A loan is not affordable just because you haven’t missed a payment – if paying a loan left you so broke you had to borrow again – from the same lender or a different one – it was unaffordable!

If the loan was small and it was the first loan or second loan from a lender,  the lender may not have realised the loan was unaffordable for you. But it was irresponsible lending to just carry on giving you more loans. Payday loans are meant for short-term problems.

Many lenders ignore obvious signs of problems such as your loans increasing in size, or your credit record showing increasing debts.
Payday Loan Refunds in 2019 from all UK payday lenders

How much compensation can you get?

A typical payday loan decision by the Ombudsman is that the lender should refund all the interest you paid after the third, fourth or fifth loan.

But if your first loan was large, or was rolled over several times, you can get a refund from just one loan.

Which lenders can you get refunds from?

Lenders include:

CashASAP, Drafty, Fast Loan Uk, Fernovo, Fund Ourselves, Kabayan, Lending Stream, LoanPig, Mr Lender, Moneyboat, My Finance Club, QuidMarket, Savvy, TickTock, The Money Platform, WageMe.

See this list for payday lenders for a longer list and their email addresses to use.

You can make claims to lenders who have recently stopped lending. It is probably too late to make claims to other lenders who gave up more than a few years ago.

For larger loans there are better template letters to use on other pages:

  • 118 Money, Everyday Loans/Evlo, Likely Loans/Finio, Reevo, Bamboo, Updraft, Lendable, bank loans and other long-term loans.
  • Loans2Go – the worst loans in Britain!
  • doorstep lenders and guarantor lenders,

Do this before, before you send in a complaint

Doing these things now will make your life easier later.

If your finances are difficult, look into a Debt Management Plan (DMP) where you make one affordable payment a month to StepChange. This gets you into a safe financial position as these affordability complaints can take a long time. Winning a complaint then speeds up the DMP.

Get a copy of your TransUnion statutory credit report and keep it. After complaints are started, sometimes loans are deleted and you may want the full report if you have to go to the Ombudsman.

Unless you can afford to make this month’s payment without borrowing again, cancel the CPA or the Direct Debit to the lender at your bank. Otherwise the lender may take the money and you will be in a mess.

Start your complaint

It’s easy to make these complaints – you don’t need to calculate what refund you should get or quote laws.

Find the lender’s email address for complaints from this list. If your loan was sold to a debt collector, you complain to the original lender.

Put “AFFORDABILITY COMPLAINT” as the subject of your email:

I am making an affordability complaint about the loans you gave me. You should never have given me these loans. Paying you each month left me with too little money so I had to keep borrowing to get through the next month.

You should have realised from the number of times I borrowed and the rest of my credit record that my debt problems were getting worse. It was not responsible to continue to lend.

My credit reports would have shown all my other debts [include this if it applies: and problems including late payments/defaults /CCJs/debt management.]

I am asking you to refund the interest and any charges I paid, plus statutory interest, and to delete any negative information from my credit record.

I no longer have all the loan details. Please send me a list, showing for each loan when it was taken out, how much interest and charges you added, and what I repaid. This will enable me to assess any refund you offer me. 

Some ways to improve this

Add any other points that help you describe what happened to you. Some examples:

  • “I took out another loan with xxxx to pay you.”
  • “Sometimes I borrowed to pay the rent and then had to top-up to get money for food.”
  • “I had a gambling problem and your loans made this worse”.

Only one loan?

The template refers to multiple loans because that is what normally happens with payday lenders.

When you only had one loan and it was large (say £800 or more), read Refunds from large loans and use the template there.

If you only had one loan and it was small, this is going to be a difficult complaint to win. If you have borrowed twice from 5 leaders, that is much more difficult to win affordability complaints than having 4 or 5 loans from two lenders.

Sometimes a lender will offer you a small goodwill amount to give up eg £50 or £100 so if you only had one loan and it wasn’t large, that would be a bit of help.

Waiting for a reply from the lender

This email starts your affordability complaint.

The lender should reply to your complaint within 8 weeks. Don’t be surprised if you have to wait until the end of the 8 weeks to get response – this is common.

Some lenders ask you to send them a copy of your credit record, payslips or bank statements.

Credit record – the lender can check your credit record themselves if they want.

It is a good idea to send bank statements. But think twice about the cost of copying and postage if there are a lot. Some lenders seem to ignore them if you do send them. Don’t bother to send payslips.

This is a good point to get those bank statements even if you do not want to send them as they will help an Ombudsman claim a lot. You can get them going back at least 6 years, even if the account has been closed.

Lender rejects the complaint or makes a poor offer

If the lender says No or offers you a small amount, you may still have a very good case!

It is easy and free to send your case to the Financial Ombudsman, where many thousands of people have won their payday loan complaints.

Give up?

Some lenders try to make your case sound bad when it isn’t. Ignore any of the following comments, they do not mean you have a weak case:

  • they relied on your loan applications – see Lender says I lied for more about this;
  • some loans were paid early  – this doesn’t prove the loans were affordable, just that you were trying to save interest;
  • loan size didn’t go up every time – irrelevant, what matters is that you kept borrowing;
  • you had a good enough credit score or they didn’t legally have to check your credit record – if you only had one or two small loans that is true. But if the loans were large or you kept borrowing, they should have looked closely;
  • some loans are over 6 years old – the Ombudsman will look at these even if the lender says they won’t!

A good enough case to go to the Ombudsman?

If you don’t know what to do, ask in the comments below this article. Accepting an offer settles your whole complaint – you can’t change your mind later.

Some points to think about:

  • if you are offered a refund on only a few loans, don’t accept it if you think you should have more refunded;
  • an offer to write off your current balance may sound helpful … but it may be very poor if you should get a cash refund as well.

One or two loan cases are hard to win at the Ombudsman. It’s probably best to give up on one or two loan cases unless:

  • the loan was large. Here is one single loan case that was won even though it was an instalment loan and the borrower had a good income. And another single loan case for a loan of £1,000. You can win cases for smaller amounts if the repayment would have been a large amount of your income; or
  • you still owe money.

Don’t delay – there is a 6-month time limit after a lender rejects your complaint to send the case to the ombudsman. If you aren’t sure, send the case and let them make an independent decision.

How to send a complaint to FOS

Put in a separate complaint about each lender. There is no limit to the number of FOS complaints you can make.

Send the rejections as they come through – don’t wait until all your lenders have replied!

FOS’s “complain online” option is easy and asks for the information to set up your case.

Attach:

  1. the lender’s reply.
  2. bank statements if you have them. Ideally from 3 months before your first loan until the last loan was repaid or you defaulted on it. This strengthens your case, showing how unaffordable the loans were. You can still get bank statements even if your account is closed.
  3. your TransUnion Statutory credit report
  4. it doesn’t matter if you don’t have the credit agreements, FOS will get them from the lender.

What happens after you have sent a case to FOS

Your case will wait for the lender to send FOS their case file and then be picked up by an investigator/adjudicator who will make a decision on it.

The Financial Ombudsman has a two-stage process. Most cases are settled by the first “adjudicator” stage but about 10% go to the second “Ombudsman” stage.

A few problem cases

Don’t ask for a refund:

  • if you have been bankrupt unless your borrowing was all after your bankruptcy – any refund would go to the Official Receiver.
  • if you are in an IVA, as refunds will go to your IVA firm not to you.
  • if you are in a DRO now, a refund of more than £2,000 may mean your DRO is cancelled! But many payday loan refunds are less than that.

More help

Ask a question in the comments below.

Don’t use a claims management company. They are expensive and often incompetent. FOS says individuals making a complaint have a better success rate than claims firms.


More information:

Card & catalogue affordability complaints

refunds from overdraft charges

Can you get an overdraft refund?

Problem debt look at a DRO

Could a Debt Relief Order help you?

May 1, 2025 Author: Sara Williams Tagged With: Payday loans, Refunds

Comments

  1. Wendy says

    August 7, 2016 at 7:06 pm

    Hi,I have sent all my payday lenders emails.
    vivus sent me an email after a week upholding all 4 of my loans,I was well happy,they say my refund will be in my back within 7 days.
    QQ sent me the questionnaire and now just waiting
    payday express hasn’t even bothered to send an email to act knowledge my request, so you think I should send another email to check they have received the first 1?
    thanks for help, totally a fab site

    Reply
  2. Jimmy says

    August 8, 2016 at 11:21 am

    Hi all,

    Wonga offered me £2300 this morning (14 weeks 3 days). I accepted this having paid £2400 in total (so a little short but i still feel it’s acceptable).

    My adjudicator has only just picked this up so saves her the work too!

    Reply
  3. Margo says

    August 8, 2016 at 11:45 am

    Just a small advice. don’t be tempted to agree on first offer. PDUK first said 750£. After rejection and involvement of adjudicator he got more then 2200£ . After agreeing money entered acc the same afternoon. Thank you Sara (Debt Camel) Thank you everybody. And good luck.
    His provident case was not approved by Ombudsman..thinking what to do next.
    And I am waiting for PDUK and Wonga now with adjudicators.

    Reply
  4. Tim says

    August 8, 2016 at 1:02 pm

    Hi All

    So i heard back from the Ombudsman today : )

    Quick Quid- All interest from the second loan to be repaid with 8% stat interest and removal from credit report. Think this is about £4700, ive accepted and just gotta wait for it now.

    Lending Stream- Bit of a weird one, he ruled that loans 9-14 were unaffordable but not before that because of my disposable income declared. Ive challenged this as Lending stream confirmed they performed credit checks so therefore had visibility of 3 other payday lenders being used at the same time and also they inflated my credit scores so they could see i was in financial difficulty regardless of declared income, i dont believe the figures they have stated but i cant disprove it : (

    Uncle Buck- Only two loans both the end of 2014, the ombudsman didn’t find in my favor. Much of this is because uncle buck couldnt see two defaults registered in April 2014 on the credit checks they did. I’ve asked to see what agencies they used since i have copies of noddle and experian and they are on each of those.

    And for those that wondered how long it took- 3 weeks and 4 days to get an Ombudsman’s decision.

    Cheers

    Tim

    Reply
  5. Sarah says

    August 8, 2016 at 1:11 pm

    Update – Payday UK have accepted the adjudicators decision and are confirming this in writing today. Refund claim form needs to be returned and then I will have payment within 48 hours.

    Success for one – now just waiting for the others

    Reply
  6. laura says

    August 8, 2016 at 2:49 pm

    Hi , a while back I had a letter from payday express saying 2 of the loans I had with them were unaffordable and the interest was refunded direct into my bank account , but that was only for 2 of the many loans , can I still go to the ombudsman about the other loans? or not because they voluntarily paid out of 2 of the loans ?

    Reply
    • Sara (Debt Camel) says

      August 8, 2016 at 9:37 pm

      Hi Laura, yes you can, see this article: https://debtcamel.co.uk/wonga-small-refunds/

      Reply
  7. Rosie says

    August 9, 2016 at 8:59 am

    Hi,

    Just had success with Wageday Advance. Final response after 4 weeks. They wouldn’t investigate loans over 6 years ago as they considered these time barred. They have removed outstanding balance, will update my credit file and have already refunded me nearly £7K. Thanks to everyone on this site for the invaluable info.

    Reply
  8. alan says

    August 9, 2016 at 9:26 am

    CHEQUE CENTRE….Advice to anyone with a claim against them! KEEP AT IT!!!
    I started my claim on the 23rd of March by email to cheque centre. they replied the next day.
    saying they would look into it, and to give them as much details as I could. I did as requested, and they took almost the while 8 weeks to reply.
    They denied irresponsibility, but offered £385 for what they described. as compensation for my loans becoming non short term!
    I contacted the F.O.S and was allocated an adjudicator 2 weeks later. on June 23rd my adjudicator called me, to confirm some details.
    she was then able to apply for copies of my bank statements on my behalf. these she received on the 2nd of July.
    on the 20th July, my adjudicator in formed my, that cheque centre failed to provide the details she asked them for. ie affordability checks.
    so, she would have to make her judgement, using the information she had.
    she called me last Monday 25th July to say she had found in my favour. and that she had advised Cheque Centre to refund all fees paid plus interest on loans above £200 dating back to March 2010. and they had until the 8th of August to reply.
    0n the 1st of August I got a call. Cheque Centre agreed to refund the advised fees and interest. totalling £1855
    they did ask for a copy of a bank statement, which took 5 days to come! but I sent that to my adjudicator yesterday. and she sent it straight to Cheque Centre. and this morning I have had £1855.57 paid into my account.
    so, for the sake of a few emails, and a bit of a wait (4 month appox) i have the best part of £1500 more than my offer.
    I’m more than pleased.
    I hope my story and indeed the journey, will give some of you the hope and inspiration to keep at them.
    It’s our money, and we deserve it back!!!
    good luck everyone.
    and thanks for all the info I have gained from you all.
    Alan

    Reply
  9. Ben says

    August 9, 2016 at 9:37 am

    Hi Sara, I have quite a few outstanding complaints (the 8 week point is tomorrow). I have summarised outcomes below but only had a few responses as should get the rest tomorrow;

    Mr Lender – turnaround within 48 hours from initial complaint. Rejected complaint but offered to wipe c£300 in interest on current loan as gesture of goodwill. Sent to FOS. I had about 9 loans that half were late in repayment and all done in short space of time so I feel I have a
    chance here.
    Wagedayadvance- rejected and sent to FOS. Turnaround times about 7 weeks. Felt like a standardised response, again high frequency of borrowing. On most occasion borrowing 60/65% of my net monthly income and more than 100% of disposable income.
    Sunny- 7 week turnaround. Upheld my complaint and agreed rolling “overdraft style credit facility” was unnaffordable. Refunded £2094 interest and £350 interest at 8%. Agreed with their response yesterday apparently will get the refund today. Also agreed to wipe from credit profile which is great. Don’t like sunny as a company as it never felt like they wanted to help or discuss a plan when I was struggling, often rude and blunt with me. Complaints process seems to be othsourced to elevate.
    Wonga- about 27 loans c£12,500 in credit over 16 month. 8 week point tomorrow . No news yet. The debt was top ups galore and roll overs.
    Lending stream – referred to the ombudsmen. Nightmare complaints process for me, using loads of time wasting tactics, eventually rejected my complaint. It is laughable. It’s a similar story on one occasion, I borrowed £800 which I couldn’t repay so they agreed to delay repayment for one month during that delay I received a text from them to say I could borrow a further £500. I logged in and they lent me a further £500, I was stupid I know but Jesus Christ that’s not good on their part.
    Satsuma- awaiting response 8 week tomorrow
    Pduk – awaiting response 8 week tomorrow.

    I’m making progress thanks to all the people on here. For those considering complaining please don’t let the initial rejections get you down keep fighting and take to the ombudsmen If necceassary. Also make your complaint personal, tell them your story. Use the template letter as foundation but add your on bit.

    Will post when I have had other responses.

    Ben

    Reply
  10. K says

    August 9, 2016 at 10:40 am

    Had my first final response today from Pdayday Express (10 weeks 5 days) upholding my complaint on the grounds that they breached the charter by letting me rollover my loan more than 3 times. Offered me £221 which I’m happy with considering I only had 3 loans with them.

    Still awaiting suitable responses from Wonga, PDUK & QQ …. Has anyone had a response from PDUK as haven’t heard a peep from them since 4 weeks and that’s now been nearly 11 weeks also.

    Reply
  11. Nicola says

    August 9, 2016 at 12:19 pm

    Just looking for anyone in or who has been in a similar situation to myself.
    I first put my complaint to Wonga on Feb 20th. After typical 14 weeks they only upheld my complaint against 3 loans out of 27 ( no reason why they chose these 3 was given-offered £400, thought I paid thousands in interest over 3 years-2009 to 2011).
    I sent complaint to FOS end of May to try and get a better/fairer offer but Wonga are not responding or replying to Adjudicator at all, even after several emails to them chasing them and adjudicator giving them more time . They have not even sent my file etc to adjudicator. It has now been a few months and I’m waiting for adjudicator to plan a way forward, if they don’t respond today which is looking unlikely.
    has anyone else had an experience like this and the outcome?

    Reply
    • fusionx212 says

      August 9, 2016 at 2:29 pm

      you can ask for it to go to the ombudsman, you can in fact insist on it.

      in regards to the random loans offered, they did the same to me, and asked for it to go to the ombudsman for review, who now has my bank statements too.
      you have given more than enough time to them to respond and provide the information..

      I suggest having a frank conversation with the adjudicator say as a company wonga have not responded which is usually a 2 week window, it shouldn’t be dragged out for months.

      Reply
  12. George says

    August 9, 2016 at 7:50 pm

    I have just started my complaint procedures with multiple companies. I have received an offer from mr.lender within two days without any real concrete information. They have offered me 25% of the full interest amount.
    Is this an indication that they are trying to fob me off quickly?
    Should i ask them to reconsider the offer?
    Should i just go to the ombudsman?
    They have used evidence of phone calls to try and make their case but i feel they have incriminated themselves even more.

    Reply
    • Sara (Debt Camel) says

      August 9, 2016 at 8:35 pm

      How many loans did you have from them over what period? What is the “evidence of phone calls” that they have mentioned?

      Reply
      • George says

        August 9, 2016 at 8:45 pm

        I had 11 loans with £2600 interest
        They asked me if i was in financial difficulty, i said i was a couple of months ago but better off now (6-7 loans in). (I did not actually say i was out of financial difficulty)
        They then asked me what the loan was for, i said i had been to germany and had paid off £1200 to mr lender so i needed to reloan. (Having to reloan because of paying off a loan)

        Reply
  13. Kayls says

    August 9, 2016 at 8:40 pm

    Has anyone ever successfully negotiated an offer with a company – specifically Payday UK?

    Reply
    • Lilly says

      August 11, 2016 at 9:14 am

      They offered me a refund on one loan, of £266, I emailed them back and went over some things, urged them to reconsider, they resent their final response and doubled their offered to 2 loans and it took it to just under £500 which I then accepted.

      Reply
  14. Liam says

    August 10, 2016 at 1:12 pm

    FIRST SUCCESS! – WONGA.

    I started the process of asking for refunds in April and have had my first real success today with Wonga.
    I have accepted an offer from Lending Stream but that was only for £500 and took from an outstanding balance.
    P2P, Quickquid, Sunny and Mr Lender complaints are currently with our good friends at the FOS.
    Quickquid and P2P didn’t reply in the 8 weeks, Mr Lender made a derisory offer and Sunny denied any wrongdoing (despite me taking 6 X £100 topups in the same day due to problem gambling)

    After 8 weeks Wonga asked for the standard extra 6 which took them to Friday 05/08 and they didn’t respond in time. As i was furiously entering the complaint details on the FOS website an email from Wonga popped up upholding my complaint on all loans over a certain amount. I’d worked out interest paid at around £1900 and after the magic 8% their offer sat at around £1650 plus a removed default.
    I have accepted as I feel it was fair, some loans were small and only for 2-3 days.
    I’m absolutely delighted and would never have gone through the process without this site which also prompted me to get a £750 refund from Natwest for charges and interest.

    Thanks Sara, I’ll keep you updated on the rest.

    Reply
  15. Lpjkp says

    August 10, 2016 at 9:01 pm

    Anxiously awaiting the outcome of a claim for Quick Quid and Wonga

    Wonga- submitted claim approximately 3 weeks ago-have received an acknowledgement and a “sorry it’s taking so long” email-borrowed in excess of £16000 over an 18 month period and paid around £3500 in interest-anxiously awaiting outcome

    Quick Quid-currently with FO after initially submitting claim directly to QQ,and rapid refusal stating that we have already complained about it? Borrowed similar amount as Wonga loans over same loan period-only complaint ever made was in 2013 about their inability to show understanding and agree to affordable payment plan when I called to discuss financial difficulties-complained to the ombudsman at the time and QQ reduced outstanding amount by £192- ombudsman is currently deciding if they will consider the claim and I’ve argued that the current claim relates to unaffordable lending over a long period of time-we will see I guess!

    Reply
  16. Sam says

    August 10, 2016 at 11:50 pm

    Had my first success today and boy did it feel good sunny upheld my complaint and is refunding just shy of 420 I only borrowed about 1800 so happy with that
    lending stream and peachy already with fos
    p2p wonga paydayuk on there way to fos at end of week
    also this site made me have a massive shake up of my financial situation I took a good long hard look at my finances and I have started on the road to recovery I’m in the process of starting a dmp and as it stands will be debt free in 5 years I know this is a long time but every month I will be closer to being debt free rather than paying the minimums and interest only.
    I love reading people’s success stories it feels like we are winning against the big companies screwing over the little people so thanks to all of you especially Sara as I for one am eternally grateful that you give people like me a voice and the strength to stand up and fight

    Reply
  17. Mags says

    August 11, 2016 at 1:48 am

    Hi Sara

    Uodate – the adjudicator upheld my complaint against Uncle Bucks. I had 2 loans with them – borrowed £200 which I repaid (using another payday loan). The second loan was for £400 which was rolled over three times before the wheels fell off the bus and I contacted Stepchange.

    A different adjudicator upheld my complaint against Payday Express. I will get the outstanding loan written off, plus a refund of interest. I am sure I had 2 loans outstanding but the adjudicator assures me that only one will be written off as it’s the only one Payday Express have a record of!

    My complaint against PaydayUK will be upheld – but they adjudicator is waiting for them to respond with their offer.

    In terms of timescales -the initial complaints were submitted in March…….so it’s not been a quick process!

    Good luck with your claims.

    A MASSIVE Thank You to Sara for her wonderful website.

    Reply
  18. Mark says

    August 11, 2016 at 9:19 am

    My payday express offer had been to an adjudicator and had just got to an ombudsmen yesterday payday express came back with an offer – everything refunded except 1st 2 loans, plus 8% – seemed reasonable so accepted. Original complaint was logged on the 1st of Feb.

    Reply
  19. Gordon says

    August 11, 2016 at 10:36 am

    247 Moneybox (Active Securities Ltd) originally offered to remove the outstanding balance and clear credit history – Tried negotiating but they would not change the offer. Took the adjudicator a few weeks and he upheld, 247 Moneybox obviously were not happy and disagreed so few more weeks and the Ombudsman upheld too, Its a great feeling to win and not be intimated by these sharks. They, 247 Moneybox (Active Securities Ltd) are like children when they do not get there own way! Now i will be giving them a daily courtesy call to chase the money they owe me.
    I had around 15 loans with them over 3 years and am expecting around £1000 back, plus credit history removed.
    Don’t accept anything less than what you think is right, no matter how attractive it seems. I was happy with credit history cleared but there is no reason to not get everything i am owed.
    Next job is to help make others aware of 247 Moneybox’s irresponsible lending – It will be interesting to see on companies house how this has effected the profits.
    Good Luck All.

    Reply
    • Mark says

      August 11, 2016 at 11:39 am

      Hello Gordon thanks for writing this because I am in exactly the same position. They offered to clear my current loan which I rejected and then in the last 4 weeks not been able to contact them at all. My adjudicator phoned me yesterday to introduce themselves on this case. Whenever I phone 24/7 they say my account manager will phone back, which never happens. I have paid them back about £2,000 in interest I think. 23 loans in 24 months, never checked my situation, just a click of a button to reloan and I defaulted almost every time.
      I accept a level of responsibility of course but these guys were very intimidating and not helpful when I was in trouble.
      I am hoping for a resolution asap however although I complained in May, I have realigned my expectations to October / November for some of these cases to be resolved (ie money in bank if successful)

      Reply
  20. Nat says

    August 11, 2016 at 11:59 am

    **QUICK QUID UPDATE**
    my claim went to the fos in the 21/6 as QQ didn’t agree my loans were in affordable and that that would look at any over 6 years. The adj agreed with me and issued them to remove defaults and give me a refund. I have just had a email that my refund should be in today in he next hour and that the req had been out in to remove the default. Happy days.

    Detailed timetable:
    I had my final response from QQ 13th June
    Put a complaint in to FOS that day.
    16th July. Adjudicator rang for Info
    21st July was contacted by my adjudicator to tell me quick quick offered to remove my balance I never had to she went back to them
    6 th August received a offer
    Today I have received my offer in the bank and a email off quick quid to say they have sent the default removal. Pretty quick I would say.

    Reply
  21. Alan says

    August 11, 2016 at 12:34 pm

    I started my refund journey back in Feb pay day uk responded after 8 weeks offering £1300 I was not happy with this as it should be around 4K the adjudicator ruled in my favour to refund all interest and 8% after my first loan he gave payday uk 2 weeks to respond(9thaug) I contacted my adjudicator today who said they still have not responded and has give them another week to reply and then it will go to the ombudsman for a decision
    I’m starting to lose faith now does this mean the ombudsman will change the outcome even though pduk not replied? How long does it take for an ombudsman decision? What happens if don’t respond to them ? This has been dragging on since Feb which I think is a disgrace from pduk point of view and they get away operating like this! Is it worth me contacting pduk try get a response?

    Sorry for all the questions but appreciate any advice

    Alan

    Reply
    • Sara (Debt Camel) says

      August 11, 2016 at 3:43 pm

      This is how the FOS works. If the adjudicator can’t get both sides to accept the adjudicator’s decision, it goes to an Ombudsman.

      Sometimes the lender will then come back with an offer (look back a few comments for Mark saying today how Payday Express had done this).
      Sometimes the lender never talks to the Ombudsman – in that case the adjudicator’s decision is upheld.
      Sometimes the lender springs into life and then the Ombudsman will consider any points they make.
      Most people don’t have any problems from this point, it’s just a bit more waiting. Come back if you do have any difficulty!

      EDIT – the ombudsman upheld Alan’s case in mid September.

      Reply
  22. Concerned says

    August 11, 2016 at 1:55 pm

    I’ve had emails back from Quickquid and Wonga acknowledging my complaint but not from Sunny. Should I email them again or just wait for the 8 weeks then go to the ombudsman?

    I have stopped taking out payday loans from this month but have been left with about £150 and am having to borrow off friends and family and rely on food handouts. Shall I tell the Ombudsman this or will he determine that they are affordable if I can get the loans paid off and survive over time? Basically i’m having to pay people back next month when i’m a little bit better off (although still owe QuickQuid £600 out of my £1650 salary).

    Reply
    • Matt P says

      August 11, 2016 at 4:07 pm

      Hi…Sara is so right about stepchange. I am in Dire straights financially and have been living off handouts. Stepchange have really helped streamline my debts and deal with my creditors. I have a post-tax wage of £2600…but still need their help. Don’t do what I did and bury your head hoping it will go away by borrowing more…it can get better!! X

      Reply
  23. Thomas says

    August 11, 2016 at 7:59 pm

    Here’s the timeline for my WDA complaint:

    The adjudicator agreed with my complaint on June 16 and told WDA to refund me.
    WDA told my adjudicator they disagreed with the decision on July 5.
    The adjudicator reviewed my complaint and told WDA that the decision remains the same on July 13.
    WDA decided to agree with the adjudicator on July 20.
    Suddenly the refund appeared in my bank account without any advance notice on August 5.

    So it can be a bit of a drawn-out process, and sometimes you don’t even get to find out when the lender intends to refund you – the money just appears!

    Reply
  24. Adam says

    August 12, 2016 at 8:46 am

    Hi all
    success with Wonga who after 16 weeks offered to refund interest and fees on all loans except the last one. The last loan wasn’t refunded because it was written off by them a couple of years ago.

    Reply
  25. Tom says

    August 12, 2016 at 9:08 am

    Help!

    My adjudicator has decided to not uphold my complaints with Sunny and Pounds to pocket (about 4 loans with both) based on the fact that he thinks I have “worked around the system” so borrowing from one lender to repay another made me look like loans were affordable and made my credit score good (it’s been v low for years!) Iv also have a rejection from an ombudsman for the same reason with 118 118. After sleeping in it Iv decided the two should go to the Ombusdman also based in the fact that over the years I have used 26 loans with PDUK(still with ombudsman) 4 loans a with P2P 4 loans with Sunny and the one with 118. The adjudicator also states they were affordable based on what I told the companies when I took the loans out-I more than likely put in figures that were not accurate just to get the money in desperation!

    I think 35 loans overall is not responsible lending from anyone! Surely they would see this on my credit file?

    Help needed! What should I say to an ombudsman so they see my point!

    Reply
    • fusionx212 says

      August 12, 2016 at 9:44 am

      Hi Tom, you need to emphasise and say to ombudsman that the reason you borrowed the money was to survive, the whole base of your complaint is that it’s irresponsible lending and that your could not afford to pay back the minimum criteria which is set out in the FCA guidelines, which all lenders have to adhere to.

      correct them that PDL’S on your credit file impacts your score and how lenders view you. due to the fact you show you are not able to manage your monthly income with out borrowing.

      you are with in your right to escalated to the ombudsman as long as you feel you have a solid enough case. i.e defaults late payments and multiple roll overs, you need to also state did sunny and pounds to pocket perform credit checks.
      How did they come to the conclusion the product was suitable to you before lending.

      Reply
  26. Matt S says

    August 12, 2016 at 11:28 am

    Hi all,

    Was contacted by my adjudicator yesterday who has ruled in my favour with regards to my complaint against Payday UK. He has suggested that they refund all interest and charges from the 4th rollover of my second loan with them onwards, plus 8%. He investigated this based on the information I had supplied him with as Payday UK did not provide him with any information. He has given them until 25th August to respond.

    I queried what would happen if they didn’t respond to him by 25th August and was advised that “At the moment there are a few payday loan companies that are experiencing a huge backlog. This is because there’s been a huge rise in complaints over the past few years. So unfortunately, we don’t always get a response by the set deadline. If this was to happen here, I’d refer your complaint to an ombudsman who’d review your case afresh and issue a final decision – which becomes legally binding on the business.”

    In the experience of people who have had rulings go in their favour against Payday UK. Does it normally get settled quickly after an adjudicator has made a decision or should I expect that they wont get any response from Payday UK and for it to go to the Ombudsman after 25th August?

    Reply
    • Sara (Debt Camel) says

      August 12, 2016 at 11:54 am

      hi Matt – often PaydayUK/Express don’t reply to adjudicator in time so it gets escalated to the Ombudsman level. But there may be a good offer before the Ombudsman actually started work on the case

      Reply
  27. L Alexander says

    August 12, 2016 at 11:50 am

    I just wanted to say thnk you! I came across your website in March 2016 and copied the template for my Wonga complaint. Today is August 12 (2016) ans I have just received a settlement from them for £899 – and they have agreed to removal all late payments and 1 defualt from my account.

    I’m relly grateful! As this will definitely
    Help with my current debts… Anybody reading these comments and is thinking of making a claim, do it! Do it now.

    Reply
  28. S.D says

    August 12, 2016 at 12:47 pm

    Do we have any cases so far where an ombudsman overturned an adjudicators findings, I’m at the end of s long complaint where my adjudicator upheld my complaint then changed his mind after looking at further information based on affordability, which I completely disagree with so I asked him to escalate it to the ombudsman.
    I have been successful on other complaints with different adjudicators

    Reply
    • Sara (Debt Camel) says

      August 12, 2016 at 1:57 pm

      Paul commented on 29th July:

      “Not sure if anyone remembers but my case was the one where the adjudicator originally ruled against me saying PDUK had done nothing wrong, even though she agreed I had been in financial difficulty when PDUK had continued to lend money to me she advised that it was my responsibility not theirs!

      Anyway, I insisted that my complaint went to the ombudsman. The ombudsman found in my favour and in his findings said that my remaining debt was to be written off, all charges and interest to be refunded as well as 8% on top.

      I received in total just over £3,200 back from PDUK, it just shows that even if the adjudicator doesn’t find in your favour, make sure you insist that your case goes to the ombudsman!”

      Reply
  29. Tim says

    August 12, 2016 at 2:34 pm

    Evening All,

    Heard back about a couple of complaints this week.

    Payday UK- accepted with the Adjudicators findings and are waiting for the amount to be signed off by Senior Management, just under 3K.

    Pounds to Pockets- The adjudicator found that only the last loan was unaffordable due to a drop in wages. I think she has looked at the complaint with the view that Pounds to Pockets are a single entity, however I have asked her to reassess her findings since they are part of casheuro net and the sister company of Quick quid- My lending history is- 5 loans with Quick Quid followed by 3 with Pounds to pockets and then a last one with Pounds to Pockets.

    I would have accepted her findings on these loans had they been with any other company however through the complaints process and while borrowing it was clear that they used information from each other. When complaining about quick quid I had replies and correspondence on this from a pounds to pockets email address. When I had loans with quick quid, pounds to pockets would not lend to me using the quick quid loans as reason, proof they used each others information. On first loan with pounds to pockets they gave me a 1200 credit limit, this was clearly based on my lending history with quick quid, first loan with them was 400, second loan 850 and third 1200. My complaint about quick quid was upheld by the ombudsman for all loans so therefore if pounds to pockets used information from quick quid then these too should all be unaffordable- i made 23 consecutive payments to QQ then borrowed from P2P and made 8 consecutive payments the immediate month after. Ive asked her to consider my points and give her rationale if she doesnt agree with them, hopefully she will change her mind. Has anyone else experienced anything similar with these two?

    Cheers

    Tim

    Reply
    • Robert says

      August 12, 2016 at 11:11 pm

      Tim, did you have a lot of loans and rollovers with PDUK? I am waiting for my adjudication to be signed off also but unsure how much they will offer.

      Reply
      • Tim says

        August 15, 2016 at 9:58 am

        My adjudicator says she will consider the points i raised regarding P2P and get back to me by 16/08/16. Im hoping she agrees with my points, Im going to ask for it to go to an Ombudsman if it is anything less than the interest on all 3 loans and compensation for an incorrectly registered default on my credit score which still has not been removed despite my complaining about it (loan was paid in full on time).

        Payday UK- I had 5 loans and a lot of roll overs, the first loan was rolled over 11 times i think. Interest is to be repaid from the 5th payment on the first loan.

        Cheers

        Tim

        Reply
  30. aga says

    August 12, 2016 at 6:03 pm

    Hi Sara and everyone ,

    this is a response from the adjudicator re PdUk , she deals with my PDUk ,PD Express and Money shop but it seems like she deals with each claim separately ; I copied and pasted here so it may help others:

    ” My opinion

    Based on the information I have, I do agree with Mrs Z complaint – I’ll now explain my reasons.

    “I can see Mrs Z borrowed three loans. I can see for all three loans, Payday UK were aware of Mrs Z income and a credit check was carried out each time.

    On 14 December 2010 Mrs borrowed £300. It seems a credit check was carried out. Also, Payday UK was aware of her income – this was £1480. Mrs was due to repay a total of £375. Although Mrs deferred her loan twice, I can see reasonable checks were carried out to ensure she could afford the loan.

    I can see the same checks were carried out for the second loan of £450, borrowed on 6 April 2011. The total repayment was £562.50. Although I can see the loan was affordable at the point of the application, I can see Mrs Z deferred her payment 11 times, which suggests this loan wasn’t affordable. I can’t see that Mrs Z made Payday UK of any financial difficulties, nor can I see that Payday UK did anything to help her pay off the outstanding balance. I do think it would’ve been reasonable for them have discuss a repayment plan.

    It seems Mrs Z borrowed a third loan for £320 on 1 March 2012. She was due to repay £400. It seems a credit check was carried out and her income had been amended to £905. I can see Mrs Z deferred her payment five times. I don’t think this loan was affordable because Mrs Z deferred her payment on her previous loan, 11 times.

    I can see a default and CCJ on Mrs Z credit file, but these were applied after the last loan. Payday UK would’ve have seen this in their credit checks.

    I think it will be fair for Mrs Z to pay the full interest on her second loan, but anything paid over £562.50 should be refunded. Also, I think the interest on the last loan should be refunded plus 8% interest.

    If you disagree with any part of what I’ve said, please let me know your reasons.”

    I’ll be in touch once I receive a response.

    Reply
  31. Ross says

    August 12, 2016 at 8:31 pm

    how have those with gambling been getting on

    adjudicator asked for my bank statements but im embarrassed to give them other as they look a mess and worried they will say i could of afforded the loans

    Reply
    • Morag says

      August 12, 2016 at 8:45 pm

      Ross,
      I was like you and told my adjucticator I had a problem with gambling. My bank statements were also a nightmare. She didn’t seem to mind, she wasn’t judgemental, only wanted to find out if the loans were affordable or not.
      There were too many entries on my bank statements to download so the FOS asked for them directly from the bank.
      I have had 2 complaints upheld and the were plenty of gambling history on my statements.
      Good luck

      Reply
    • Bill says

      August 12, 2016 at 8:59 pm

      I’ve just got £900 back from Wagedayadvance and my bank statements were peppered with gambling transactions. My adjudicator took that into account as outgoings, in fact. One month my income was about £2000 and I’d gambled £1700 (taken payday loans to bridge the gap) and she said “your outgoings were far more than your income” as she simply added up the incoming salary and outgoing debits, not taking into account the payday loans.

      By the way, I didn’t provide bank statements. My adjudicator asked for my sort code and account number and bank name and she contacted my bank and they sent her the statements on the same day she requested them. It was painless.

      Reply
  32. andy says

    August 12, 2016 at 10:56 pm

    I have 2 complaints that have now gone to the Ombudsman 1 With payday uk where the adjudicator found in my favour but payday uk disagreed so it went to the Ombudsman who then wanted to include loans from over 5 years ago and this has been passed to there legal team over 4 weeks ago The second one with Wonga And this is the reply I got back today from the adjudicator.
    Wonga replied last night and they disagree with my findings. They offered only to remove the details of the last loan off your credit file. I referred this complaint to an ombudsman for their final decision. I must advise you that Wonga has now raised the jurisdiction issue and that all our loans are outside our jurisdiction because they were taken out more than 6 years ago. Therefore, we will have to wait on the decision from our legal team for both your cases.

    I do not know how long this will take (may be a few weeks or even months). Therefore, there is no need for you to chase this up with us. I will contact you as soon as we have communication from our legal team about these cases

    Looks like it might be Xmas before this gets sorted by if the legal team agree with the Ombudsman then it will hopefully open the floodgates for loans over the 6 years

    Reply
  33. ross says

    August 13, 2016 at 9:01 am

    I had offer of 3K with wonga but took it to FOS as they only did 26 of my 69 loans, they say offer stands for 6 months

    After looking at my statements I have lot of doubt that the adjudicator will see in my favour, if he doesn’t will I lose that offer from wonga, could he tell them they did everything right even though they have taken accountability for 26 loans they gave me

    EDIT – in Novemeber Ross got a refund of over £6,000 from Wonga :)

    Reply
  34. Liam says

    August 13, 2016 at 10:43 am

    Just a quick Wonga update.

    I accepted an offer on Wednesday which I felt was very fair and Thursday I was told it would take a few days to action and then 3-5 working days to process payment.
    Money is in my account this morning (Saturday)
    I gave them the extra 6 weeks they asked for and it went 5 days over again. I know it’s frustrating waiting, but stick with it.

    Reply
  35. Bob says

    August 13, 2016 at 11:57 am

    Hey Sara & Everyone

    I’m really not having a good time at the moment, just heard back from the Adjudicator last night about my QuickQuid Complaint and it wasn’t good news at all :( I had a flex credit account which started off with a £400 limit, each month they would take their payment and if not the same day within a few days I would withdraw the max available again so was nearly always at my limit, after about 7 months they upped my limit to £1,200 and again to £1,250 and again I was nearly always at the limit and kept withdrawing money when it was available.

    The problem is that I was self employed and kept borrowing money from the business and paying it back several times each month, I also had some of my disabled wife’s benefits and tax credits paid into my account as she couldn’t get a bank account at the time so its made my income look a lot higher than it actually was, think I had put 3,600 a month (higher than it should have been to get the loan) and quickquid had used my statement to work out that I had 5,300 a month. but we were basically living off benefits at the time and my self assessment showed that I made a loss and had £0 income for a couple of years as my shop was basically loosing money which I finally shut down at start of 2015 (best thing ever if I’m honest) I just feel strongly that they should never have upped my credit limit to £1,200 especially as I was asking nearly every month for it to increase from £400 and my usage of the account being near the limit all the time. I guess what hasn’t helped is that I made extra payments some times as I was trying to keep the interest low but this has gone against me as well :(

    would really appreciate some help as I already assumed I’ve lost but don’t want to give up quite yet as I’m sure I have a case somewhere in all of this. I mean a flexible repayment loan fair enough was affordable, but a loan that keeps letting you reborrow at these high rates and no checks each time you withdrew surely was only a product to maximise their profits and then they suddenly withdraw this type of loan at the end of 2014 at the same time sunny did the same. surely these loans cant have been legal in someway ?? they were designed to keep customers in debt at a very high interest rate.

    Reply
    • Sara (Debt Camel) says

      August 15, 2016 at 10:35 am

      Yes these products were designed to maximise the amount of interest you paid but that doesn’t mean they were illegal at the time. They were withdrawn when it was clear the regulatory regime was going to be changing. It’s going to be tough for you to try to argue this type of loan was illegal per se… Instead you need to be concentrating on (a) why it was unaffordable for you and (b) why QQ should have known this.

      If the adjudicator is looking at your bank account and deciding the loans were affordable, your wife’s income shouldn’t be taken into account unless all your wife’s expenses were also going through that account.

      You need to work out what the minimum repayments were to the flex account each months – this is the amount you have to show was unaffordable.

      “I guess what hasn’t helped is that I made extra payments some times as I was trying to keep the interest low but this has gone against me as well :(” it shouldn’t go against you. What matters is that your pattern of borrowing shows you couldn’t get through the next month without borrowing more, showing a clear dependency on these loans.

      If you were constantly at the maximum amount for the account for 7 months this suggests to me that it was irresponsible of QQ to increase your credit limit at all – let alone by such a large amount!

      I’m not sure if you have a final decision yet from the adjudicator? If no, then go back and ask them to look again and list the points you don’t think have been properly taken into account. If you have had a final decision and you want it to go to the Ombudsman level, then write out a very clear summary of your case, telling your story

      Reply
  36. DL says

    August 13, 2016 at 3:08 pm

    I sent an SAR to the Money Shop but, after months of stringing out my complaint, they have absolutely refused to provide any details of my account as they say they don’t have to for an account which has been settled. They offered to refund me £10 as a final settlement, the £10 I had paid for the SAR. I therefore do not have details of the loans I took out and they are point blank refusing to provide them. They claim they practiced good lending and it was my responsibility to manage my account, even though I told them at the time that I was struggling. My monthly phone call from them consisted of ‘It’s the money shop, do you want to extend?’. I was in a terrible spiral of debt, thankfully now behind me. I cannot tell you how many sleepless nights I had.

    Reply
    • Marie says

      August 13, 2016 at 5:41 pm

      your SAR to money shop, it is my belief that they have no right to refuse you your own personal details under the data protection act. I am just about to make a request under DPA and if they refuse I will be reporting them to the Information Commissioners Office who will investigate if they are obliged to provide you with the information and take quite direct action if they don’t which can be in the form of a very hefty fine. Go straight to the ICO if you have proof that they will not grant your request, costs nothing and it may sort the whole thing out. Your call but I would also inform TMS when you have done it as it may prompt them into some positive action on your behalf. I didn’t have their full attention until recently when I advised them I would be submitting a request which I intend to do next week.

      Absolutely wonderful site this, keep going everyone.

      Reply
    • Sara (Debt Camel) says

      October 16, 2016 at 6:25 pm

      DL took this problem to the ICO who said Money Shop were wrong. Money shop have now sent DL the list of loans :)

      Reply
  37. Nat says

    August 13, 2016 at 4:27 pm

    Had a letter today from cash converters they upheld my complaint offering me £1250 that’s interest +8% I have have rang up to accept the only thing is I need to go into store to collect my cheuqe. Feel a bit embarrassed. :s

    Reply
    • Vic Smith says

      August 14, 2016 at 8:25 pm

      Hiya.
      Same here,Cash Converters are repaying me £280 and 8% interest.
      I rung up to accept to,and I gave them my bank details,and they are going put the money straight into my account.
      Vic

      Reply
  38. fusionx212 says

    August 13, 2016 at 10:26 pm

    Ombudsman has made a decision in my favour all loans from the second was unaffordable. Very pleased with this result wonga was my biggest and I worked out nearly 4k interest on 15k borrowed wonga have till the 12th September to pay me. Got to sign and scan my acceptance and it’s all settled just waiting on my jar little woods . Very Barclay’s and HSBC complaints now. It appears I have been successful in all my complaints so far sunny peachy quick quid, santander, wonga. Just over 6k reclaimed from 6 months of letter writing

    Reply
  39. Nigel says

    August 15, 2016 at 10:53 am

    Hi all

    A bit of an update since I last commented.
    Had two more successes H&T refunded me £500 for Cheque cashing in store.
    CFO lending after initially stating they did not do anything wrong came back after the final response with an offer of £300.
    Both of these were accepted. My total is now over £13,000 in refunds that I have received since May.
    Today is the final day for EPDL, Money Shop, Payday Express, Uncle Buck. 8 weeks are up.
    Money shop have already advised this morning they have huge backlogs and will advise ASAP.

    Nothing yet from FOS on my QQ complaint. I had it allocated, but I have not had any requests for anything yet.

    Reply
  40. Tim says

    August 15, 2016 at 3:42 pm

    Hi All

    So really disappointed today.

    Initially my adjudicator ruled only the 3rd of 3 loans was unaffordable with Pounds to Pockets which I challenged stating numerous points regarding my quick quid account and P2P using that make their lending decisions and therefore they should have seen i could not afford further pay day loans and was stuck dependent on them.

    The adjudicator replied and did not change their mind, they acknowledged that although they share databases they must be treated as individual entities. They also stated that at the time of my first loan application all of my defaults were over a year old but by the time of the third loan there was sufficient other lending on my credit report that that they should have seen this. It was also stated that these were installment loans therefore much more affordable than the Quick Quid ones.

    Ive asked them to look again as per the below since I find this totally conflicting-

    *P2P can use information from their sister company to make lending decisions but cannot be held accountable for doing this as are a separate entity?
    *My financial position was as bad at the time of first application compared to the third. When I applied for the first loan I had one default over a year old but also one that was only 9 months old (not over a year as stated). Further at the time of application I had 3 active payday loans showing on my credit file and arrears on a separate credit line. I also had numerous closed pay day loans. This was visible to P2P on my credit report at the time of application for the first loan- 2 defaults (one current), one account in arrears, and 3 other live pay day loans.
    *Lastly although the loans were installments, the way the interest was amortized and so front heavy i actually paid an average of £145 per month interest on top of the principle payments so interest was only £20 per month less than i paid to quick quid- not that much more affordable.

    Apologies for the long rant im just a bit lost with their reasoning and feel no matter how much i disprove the points made the decision will not be changed. I fully expected this to go to the Ombudsman as it is Pounds to Pockets but I did hope I would have the adjudicator on my side of thinking.

    Cheers

    Tim

    Reply
    • Sam says

      August 15, 2016 at 4:52 pm

      Hi Tim,

      My adjudicator found my Sunny complaint to be in their favour also.
      I have emailed her back as a lot of her email content was lies and she said she believed that they did nothing wrong lending, despite the fact I was maxxed out with QQ and Wonga. She also said my defaults were 4 years old when actually my last default was only 6 months old when I was borrowing from Sunny.
      My other complaints have been found in my favour but QQ and Wonga did not agree so they are with the ombudsman.
      Still waiting to here back from my adjudicator with the final decision after sending through more info!

      Reply
  41. Mark says

    August 15, 2016 at 5:12 pm

    After 11 weeks and 3 days, Wonga have just settled with me!
    £1700 plus 8% interest = £2300
    Thank you so much Sara.
    My refunds now total £8,000 with 5 companies to go and all three of DFG group to go!

    Reply
  42. Sarah says

    August 15, 2016 at 5:18 pm

    Finally filled in my settlement form with Payday UK … Refund of £2900 a lot more than I expected … My adjudicator was fantastic just awaiting the result for QuickQuid now

    Reply
  43. Sam says

    August 15, 2016 at 7:01 pm

    A good day for me today my adjudicator was back off holiday and has had replies off both Wonga and quick quid accepting his findings. I have sent over my bank details so it’s just a waiting game for the money to hit my bank now. I have been awarded £2337 so over £500 more than Wonga originally offered and £1061 from quickquid I will only get £417 after the amount I still owe is deducted but my defaults are being removed which is the main thing.
    Does anyone know how long it usually takes to receive payment from Wonga and quick quid when agreeing through the ombudsman?

    Reply
    • Sam says

      August 16, 2016 at 7:49 pm

      I’ve just checked and its cleared into my account already so next day cash for me no too bad!

      Reply
  44. Ruth says

    August 15, 2016 at 8:25 pm

    I’ve taken out several payday loans dating back to 2011, I’m still paying for them through step change. Looking at what I’ve paid back so far is on some, more than double if not triple what the original loan was. Is it worth me trying to claim?

    Reply
    • Bill says

      August 15, 2016 at 9:15 pm

      100% worth it yes! I am doing the same through Payplan and got about £4500 knocked off my total balances owing by complaining and going to the Ombudsman in some cases.

      Overall I’ve had over £12k of refunds and write offs from all these lenders:

      £4800 Wonga
      £1800 QuickQuid
      £1600 Payday UK
      £1700 Pounds2pocket
      £898 Wagedayadvance
      £600 Myjar
      £366 Vivus
      £300 Quid.co.uk
      £250 Payday Express

      Took me over a year but my advice is persevere and you should have some good success.

      Reply
  45. Andrew says

    August 16, 2016 at 7:41 am

    Hi, had a respond from Wonga stating they will refund £400 ( interest worked out £1390) but they did write of the £1000 balance a couple of years ago. Should I accept this?

    I made payments to it for around 2 years, borrowing around £4000 and paying around £1390 in interest over this period. They cleared the balance, after they were ordered to do by the FCA I believe. Balance was £1000 I think. Because they cleared this balance, does this mean that I can only request the additional £390 interest, which they have done effectively?

    Thanks

    Reply
    • Sara (Debt Camel) says

      August 16, 2016 at 11:11 am

      You need to separate out this last debt that you defaulted on from the previous debts. For the previous debts how much did you borrow and how much did you repay – the difference is the interest that you paid. Then for the last debt, how much did you borrow and how much have you paid to the debt?

      This may sound complicated but it’s the only way to work out if the offer is reasonable or not.

      Reply
  46. Matt S says

    August 16, 2016 at 8:47 am

    I have complaints in with the FOS against Payday UK and Payday Express. Both owned by the same company.

    Quick rundown, Payday UK. Had 3 loans beginning March 2012. First paid off in full, Second rolled over 11 times, Third rolled over once before entering debt management June 2013. Adjudicator has ruled that the continuing rolling over of the second loan was unreasonable and that I should get refund on all interest and charges from 4th rollover on 2nd loan dated 20th August 2012 onwards plus 8% etc.

    Payday Express, took first loan with them November 2012 (in midst of continually rolling over with PDUK), rolled this over 3 times before taking second loan and top up and rolling these over once before entering debt management. Adjudicator has ruled on this that couldn’t see any reason not to issue first loan and rollovers based on credit report but 2nd loan, top ups and rollovers were unreasonable and unaffordable and interest etc to be refunded on these.

    Reply
  47. Mark says

    August 16, 2016 at 11:26 am

    Following my Wonga victory yesterday of £2300, my adjudicator has today found in my favour for PDUK to the tune of £3,200
    Since discovering this website that takes me to £11,000
    THANK YOU SARA!

    Reply
  48. martin hood says

    August 16, 2016 at 1:30 pm

    hey just update on mine
    Wonga settled £800 within 5 weeks
    My Jar settled £350 about 3 mths neither of these went to FOS

    have quick quid , and lending stream at adjudicator just supplied bank statements which must admit was frightening as to what i was doing with payday loans at the time.

    WDA and payday express still awaiting response and big issues with Kampa hope to sort them soon ,

    Reply
  49. Sam says

    August 16, 2016 at 8:36 pm

    I’m so confused I have obviously agreed a settlement with quickquid but my pounds to pocket complaint didn’t get upheld however I logged onto my online account today for pounds to pocket and instead of it saying I still owed £400 it said zero. I had sent them a strong worded email the other day as in their original offer without FO involvement they offered to partially settle my account but never gave me a figure, am I just being hopeful thinking they might have just wiped the balance? I have paid back more than the original loan already.

    Reply
    • Sara (Debt Camel) says

      August 17, 2016 at 9:26 am

      The other alternative is that some of your QQ settlement has been used to clear the P2P balance. I think you have to phone up and ask what is going on.

      Reply
  50. Wendy says

    August 17, 2016 at 4:49 pm

    Hi I had an Intresting thing with lending stream,I had about 23 loans with them,they first said they wouldn’t uphold any of my loans,so I sent them an email saying I will be getting in touch with fos,within 48hrs I get another email saying they will up hold 1 loan for £311 plus my 8%,so I was going to accept it until I spoke to L.S they said if I accept it the whole case would be closed and I couldn’t go to FOS about any of my other loans,anyone else had problems like this with L.S?

    Reply
    • Sara (Debt Camel) says

      August 17, 2016 at 4:58 pm

      Hi Wendy – this is normal – they are offering to refund the one loan in settlement of your whole unaffordable lending complaint. So if you accept, you can’t make another complaint about the other loans.

      If you had 23 loans refunding just one doesn’t sound like a great offer!

      Reply
  51. Jonny says

    August 18, 2016 at 3:25 pm

    Just heard Sunny have accepted adjudicator decision. Think that will be just over a thousand with the 8%. Well pleased was straightforward. Pduk which ismy big one gets to 8 weeks next week.

    Reply
  52. James28 says

    August 18, 2016 at 3:50 pm

    Afternoon All

    What a great site this is, I stumbled across this many months ago and every time I come on and read the stories I don’t feel so alone. Since April/ May I have processed my 3 complaints (Lending Stream, Quick Quid & Sunny).

    Sunny: Response within 8 weeks and a refund of £2040. Loans removed from credit file. Overall Sunny (Elevate) were good to deal with and the refund was processed within 48 hours of their final response.

    Lending Stream: Response within 8 weeks and they offered a very low amount – I refused. These seem to be the tactics they are using. This was referred to the FOS and the adjudicator feels 11 of the 14 loans should be refunded. Currently awaiting Lending Streams response.

    Quick Quid: Response within 8 weeks and no offer for the 9 loans taken out with them. Referred to the FOS and my adjudicator has agreed 6 of the 9 loans should be refunded. Currently awaiting Quick Quids response.

    Overall my adjudicator has been great and fair in his findings. I imagine there is a little way to go yet, but it seems like there is light at the end of the tunnel. What I would say is, keep going with your complaints and do not give up. Challenge where fair and be persistent. It will take time, however, will be be worth it.

    At first I was nervous to even think about complaining as I thought I wouldn’t get anywhere. I’ve already clawed back over £2000 which has helped tremendously. If you are reading these comments (just like I was months back) and you don’t think you’ll get anywhere. Just try. Give it a go, you have nothing to lose!

    Reply
    • Ian says

      November 7, 2017 at 12:27 pm

      Great News James, From the adjudicator picking up your case to presenting his findings how long did you have to wait?

      Reply
  53. Peter says

    August 18, 2016 at 7:23 pm

    Update from me:

    So I only went to FOS with Wonga’s offer, because they were really in a funny mood when they had offered me £50 because of the delay of their response, but nothing for the twenty something loan over 4 years… So it made me angry and I went to the FOS. The Adjudicator called me today, that Wonga already offered around £2400 … I accepted it and I’ve been told I will get it in 4 weeks.. so the Adjudicator only asked them to explain their part but they have offered a refund instead…

    I only have WageDayAdvance back, they have time till 2nd September…

    Reply
  54. Katy says

    August 18, 2016 at 10:40 pm

    Good Evening Everyone

    Just a quick update on my situation:

    Cheque Centre – after a bit of negotiation with them, I received a refund of £2,500. Happy with this outcome -‘didn’t uphold any of my loans with them prior to the six years but felt that I wouldn’t get much more if I referred it to FOS.

    Uncle Buck – they rejected my original complaint. I referred it to the FOS but before I was allocated an adjudicator, my complaint was revisited by UB when they were reviewing my file to send to FOS. Consequently I received a call from UB stating that they had reviewed my case and wished to offer me a refund of all interest and fees + 8% interest amounting to over £5,000 as long as I withdrew my case with the FOS. I accepted their offer as I wouldn’t have got any more with the FOS.

    Wonga – I submitted my claim to them at the beginning of May. At 8 weeks I got the usual email from Wonga requesting an additional six weeks. I opted at that point to submit my claim to the FOS. As yet I haven’t been allocated an Adjudicator. However, late today I received an email from Wonga offering me a refund of nearly £10,000! They won’t consider my loans prior to May 2010 (I started my loans with them in 2008). My dilemma is should I accept their offer, as it may be that the FOS won’t consider my loans prior to 2010 anyway, and may take many months for a decision.

    Peachy, WDA, PDUK, H&T, Payday Express all with FOS – awaiting been allocated an adjudicator for them all.

    Reply
    • fusionx212 says

      August 19, 2016 at 8:42 am

      Wow Katy, that’s a hell of a lot of interest you must of paid to multiple companies. I’ve seen people going to the fos for the loans prior to 2010 and having their complaints being placed on hold until the FOS legal teams make a decision on whether they can lawfully challenge these. (Some of these can be month more of waiting)

      Sara’s advice is pretty solid.

      do you have an idea of how much you borrowed from all the pdl’s combined?

      Reply
      • Katy says

        August 19, 2016 at 8:55 pm

        Hi fusionx212

        Thanks for your post. Yes – it’s frightening how many PDLs I had at one time and how much I paid in interest – I would be too frightened to add up how much but put it this way it’s only the tip of the iceberg what I have received to date. I am expecting in due course, a lot more interest back from multiple PDL lenders.

        I’ll keep you updated on my other PDL complaints.

        Katy

        Reply
  55. Claire C says

    August 19, 2016 at 9:04 am

    Hi Everyone

    I had an offer from WDA yesterday, refund on everything from second loan onwards, plus the 8%. Very happy with that and I have confirmed that I accept their offer. This was just 4 weeks from me submitting my complaint! :-)

    My question is, how long have people waited for funds to hit their account following acceptance of an offer from WDA? I did ask the question when I responded to them yesterday, but haven’t heard anything so worried it will now go quiet and I will be waiting forever for the funds!

    I am also in correspondence with Lending Stream, who have so far offered silly amounts which I have declined.

    Cash Genie settled mine (everything from second loan plus 8% interest) a few weeks back, just 2 weeks from submitting my claim! :-)

    In addition, I have complaints currently with Quick Quid, Wonga, EPDL, Payday Express. QQ and Wonga are by far the biggest (claims in excess of £7k without the stat interest!!).

    This site has been so, so helpful. Thank you Sara!

    Reply
    • Margo says

      August 19, 2016 at 9:29 am

      It took WDA 4 days to pay the money in to my account because of bank holiday.
      My husband got money same day. Good luck.

      Reply
  56. fusionx212 says

    August 19, 2016 at 12:21 pm

    Wonga have finally accepted the ombudsmans decision a grand total of £4700. all entries to be removed payment to clear within the next few days
    Very pleased with this.

    Adjudicator ruled in my favour with myjar as they stated they used a smart credit tool to review my finances which i picked apart because I had £3500 overdraft maxed out 1500 credit cards maxed out sunny loans taking 400 a month.

    so there argument saying they reviewed me correctly is baloney – adjudicator saw this anyways.

    Reply
  57. K says

    August 19, 2016 at 4:21 pm

    Finally got a response from Wonga at 15 and a half weeks upholding my complaint. But only on refunding on 12 loans out of 41 and I do not see any rhyme or reason as to why these ones were picked. They have offered £1655 which is fair , but I think I can get more … Just not sure whether I have the energy left to play the long game & go to FOS!

    Reply
    • Vera says

      August 19, 2016 at 4:28 pm

      Hi k
      You are missing out on trebling that figure. You will kick yourself later if you accept that amount, don’t waste anymore time send it to the FOS. I know it’s a hard slog but will be worthwhile in the end.

      Reply
  58. Douglas says

    August 19, 2016 at 5:22 pm

    Success,

    My adjudicator has ruled partially in my favour with QQ. Suggestion is refund of all interest and charges from loans 5 to 7 with 8% interest (these were taken out in 2011) and use to pay the defaulted loan off. All 3 to be removed from my credit files.

    QQ response 21st July
    Assigned adjudicator on 8th August
    Decision 19th August
    Ajudicator sent letter to QQ today. They have until the 2nd of September to respond, hopefully they agree!

    Great site, thanks for the advice.

    Reply
    • bow says

      August 19, 2016 at 6:46 pm

      Yes exactly the same as me , they have until the 30th August so I’ll keep you informed.
      Has anyone had experience of Quickquid paying out on Adjudicator’s Decision or are they digging their heels in and disagreeing with everyone which then takes time to go to Ombudsmen

      Reply
  59. Claire says

    August 21, 2016 at 9:49 am

    So the financial ombudsman has seen in favour of me against a complaint against Uncle Buck but the lender are disputing the claim so let’s see what happens but could anybody explain to me how the refund amount is calculated?

    I have had a previous refund from Peachy finance. I had taken out loans totalling £1,500 (obviously I paid back a lot more than this) and received £1,646 for a refund of interest and charges on all four loans with 8% simple interest added from Peachy.

    With Uncle Buck, since 30 September 2014, I had taken loans out totalling £4,770 (again obviously I paid back a lot more than this) but the financial ombudsman is guessing that I would expect a refund of approximately £1,800 (this is refund on interest and charges but no 8% simple interest)

    I wondered why, for such a huge difference in the amount of lending (£1,500 versus £4,770), the amount of refund would be very similar?

    Reply
    • Sara (Debt Camel) says

      August 21, 2016 at 10:31 am

      It’s not really possible to generalise here. For example if you had 4 Peachy loans totally £1500 but they were each rolled twice, this would actually be the same as having 12 loans totally £4,500.

      Do you have a list of the UB loans – how much you borrowed and how much you repaid each month? If you do, then add up what you borrowed, add up what you repaid, then the difference between these figures is what you paid in interest and charges.

      Is this decision from your adjudicator? If so fingers crossed UB accepts it and doesn’t drag it out to the Ombudsman stage.

      Reply
  60. Mags says

    August 21, 2016 at 10:42 am

    Hi Sara

    I’ve had a response from the adjudicator regarding my complaint against Payday UK.

    Payday UK have sent through figures for a refund. I do not agree with these as they have only included the loans from 2013 and refunds of the payments I have made via Stepchange, They have said that they will write off the existing balance of the loan (about £200).

    Whilst things are going in the right direction, I have asked the adjudicator to query why the loans from 2011 onwards were not considered and why there are gaps in the refund schedule from where I have made payments.

    Is this a sensible course of action to take?

    Thanks
    Mags

    Reply
    • Sara (Debt Camel) says

      August 21, 2016 at 11:03 am

      Absolutely right – first of all a polite query. If this doesn’t get a good result, you can say you aren’t accepting the offer (it’s not going to disappear, this is now the “floor”, the lowest amount you might get) and would like the adjudicator to consider all your loans.

      Reply
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