European Economic and Social Committee

To tell the truth they may not be a financial obligation collector i might care to approach by having concern of a financial obligation i might or may well not owe.

You can ask SS by themselves? Did you’ve got a complete lot of loans through them? You could put in an affordability complaint and that would probably throw up what happened to the last loan if you did.

Thanks for the response, I’d imagine it had been about three or four years, nothing is showing back at my reports. Possibly I’ll simply wait to see if we hear from their website. All post is been forwarded from old target so any correspondence would has been received by me from their website.

I’ve been studying the feedback recently and have always been happy to see folks have been having some success with refunds.

I will be nevertheless waiting to know the end result of NIck H arbitration that he said ended up being planned sometime in September ’17 before I distribute my claim to your OAFS due to a “i do believe it is a statute banned outstanding financial obligation” with Pounds to Payday that We don’t want to acknowledge written down if my claim possibly wouldn’t become successful.

But, my current real question is that i’ve been reading in past articles that:

“They wont budge on loans before 2011, they online title loans Virginia no credit check make that specific. They didn’t need certainly to conform to any legislation pre 2011.”

My loan that is last was FEB 2009, and so I have always been worried they won’t also ponder over it.

Has anybody had a payout having a pre 2020 loan?

The Hitman says

I’ve had a really similar idea today with mine, when i had loans from 2019-2020

Well eventually got a final reaction from SS they don’t acknowledge any incorrect doing but will waive the outstanding £450 balance! Gone right back several times over the previous few months absolutely nothing back from their website threatened OAFS nevertheless nothing. Ashamed to say 9 consecutive loans with SS all post 2011 alongside 10-15 other month-to-month pay day loans as a result of my monetary distress and a dark dark time bank statements and credit history show the degree of borrowing and exactly how dependant I happened to be on these loans so I’m not supporting straight down on this as when they had done proper checks i must say i wouldn’t have now been offered any style of credit! Anyhow I’ve dealt using the other loan providers a few of which went along to FOS and upheld.

Long tale short I’ve emailed OaFS plus they have been therefore helpful. Today once I emailed them for addesss and bank details to lodge my problem using them they stated ahead on most of the e-mails I’ve delivered them and they’ll e-mail SS/Northway and chase up before an official problem in order that was done today and let’s see when they react otherwise publishing my types and all sorts of proof and longing for a beneficial outcome! they are doing tbink since they weren’t managed into the U.K. or by FCA and away from reach of FoS they can simply dismiss individuals and I also will have overlook it if it wasn’t with this web page so many thanks!

Just one single bit that is last of for you personally on my nowadays settled loan. OAFS have actually refunded my 25 Euro charges that I had from Northway, despite the fact that I probably, well definitely, would not have had that offer with out there input as i accepted the offer. Great solution.

Pertaining to the feedback we made about PTPD perhaps perhaps not budging on loans pre 2011 then this is certainly something you’ll want to challenge. This is the information they said in me personally uncertain terms, I experienced ten loans pre 2011 from 2009 and through 2010. I did not get the chance to challenge this as I accepted an improved offer. However you should.

Hi here I have begun the OAFS process – I’m sure it is pretty variable, but can somebody provide me a obscure concept as to just how long it took from that time? Have always been we considering another month or two to eliminate?

I’d want to understand this to!

We received my receipt and enrollment regarding the problem at the conclusion of August.

The thing I will say however will be the people at OAFS are extremely helpful and would cheerfully spend our Financial Ombudsman a comparable quantity for a solution of the same quality.

Sara (Financial Obligation Camel) says

The FOS gets one thousand loan that is payday a thirty days. 68% are now being upheld. I question the OAFS gets 50.

I’ve been going right on through for around three months now and may have my hearing adjudicates by the end for this thirty days

Hi all, Northway have actually taken care of immediately me with my declaration of account fully for Swift Sterling but have actually said if it doesn’t go to them as they no longer own Swift Sterling a complaint cannot be directed to them so who do I put a complaint into?

We directed problem in their mind I paid, they granted the loans and I believe it is they who are the irresponsible lender as they received the interest.

Sara (Financial Obligation Camel) says

The issue is going to Northway. Ignore their very carefully worded message – legally it is proper but just about everyone checks out it the wrong means…

Nick H – any upgrade in your adjudication?

Nevertheless waiting on it to verify the date for the hearing.

I’ve sent a chase e-mail as I will need to arrange time off to attend this via google hangouts today

Samuel Hall says

Currently in mediation with Northway and they’ve got provided funds of 115 (I’m owed with interest and costs near to 3k ) my loans had been applied for in 2007 a lot of them post legislation change in 2007, does anyone know the date poundstilpayday became regulated by the OFT april ?

Sara (Financial Obligation Camel) says

I will be maybe not certain it ever ended up being OFT controlled.

Comparable figures in my opinion. Their provides had been bull crap so my mediation failed.

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