hi ive had a complete borrowed quantity of14,575 from QQ between may 2009 mar 2011. over this duration we reimbursed a complete of3148 in interest over this era. I’ve all my statements from QQ saying every thing We had compensated. Will quick quid spend me personally right right straight back when it comes to loans which are over 6 years of age or have actually no chance was got by me of seeing the older loans refunded?
Sara (Financial Obligation Camel) says
Hi Brad, the Financial Ombudsman solution is wanting to choose whether or not to have a look at loans over 6 years of age and these full situations are on hold until it will. You will need to get your plaint into QQ asap and get it to then the FOS after 8 days precisely вЂ“ then if the FOS decides it canвЂ™t go through the older loans, you can expect to continue to have as much as feasible within time.
many many many thanks Sara. We went along to qq regarding the 23/8/16 so its only been a couple of weeks up to now. can I get directly to the ombudsman now or await their 8 week reaction. im worried im likely to lose out on the1000s before the 6 mark year. Maybe you have been aware of the ombudsman having to pay on loans avove the age of 6 years or they simply frozen until they determine what to complete?
appreciat your assistance. thanks, Brad
additionally we still have1200 outstanding I owe with them which
My plaint with QQ got passed away to an adjudicator whom ntacted me personally in the 7th of September requesting my bank statements, credit history and I was in financial difficulty if I had ever told QQ. They provided me with a due date to respond with all the details by 14th September. Do you realize out itвЂ™ll delay my case even more if they put the same deadlines to QQ and, if so, does that mean that if QQ drag it?
Additionally, does anybody have idea that is rough of long it requires for the adjudicator to produce a choice? It is now almost a couple of months so itвЂ™s really starting to drag out since I first plained to QQ 🙁
Fast Quid get back again to Adjudicator suggesting they donвЂ™t have to inquire of nsumer for spending ahead of 2014. And they shall perhaps perhaps maybe not refund any such thing. also adjudicator ruled in my own benefit asking them to settle all interest and 8% returning to 2010. simply interest es to over 10K. perhaps perhaps Hawaii payday loan lenders maybe not certain that that is one of several techniques employed by Quick quid to drag it much longer.
Sara (Debt Camel) says
вЂњdonвЂ™t have actually to inquire of for spending prior to 2014вЂќ this argument is comparable to a payday lender saying they didnвЂ™t need certainly to credit check you before 2014 that I published this short article about: s:debtcamel../payday-loan-credit-sres/. It really is technically real BUT then QQ should have taken acunt of this, noticed that you were dependent on these loans and stopped lending if you ntinued to borrow from them month after month (which in your case sounds as though it was for a very long time. Or of urse they uld have expected one to offer information about your ine and spending should they had been concerned вЂ“ simply because they donвЂ™t need to do one thing does not mean they uldnвЂ™t take action and also this will have been one thing a accountable loan provider need to have nsidered.
A loan provider needs to simply simply take acunt of whatever they knew. Then they uldnвЂ™t take acunt of that BUT they did know that you were repeatedly borrowing from them suggesting the loans were unaffordable if they didnвЂ™t know your expenditure. Plus they ignored this.
Many Many Thanks Sara, i shall wait till response from adjudicator me know her response as she will have to look at point raised by quick quid and then let. I really hope adjudicator donвЂ™t alter her initial choice and stuck to her initial report. I will be concerned given that she might alter her initial choice.
Sara (Financial Obligation Camel) says
Then e back here as (a) you can discuss it with the adjudicator and (b) escalate to the Ombudsman level if needed if she does (and hopefully she wonвЂ™t as this isnвЂ™t really a serious argument from QQ.
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