To be truthful they’re not a financial obligation collector I would care to approach with a relevant concern of a financial obligation i might or may well not owe.

To be truthful they’re not a financial obligation collector I would care to approach with a relevant concern of a financial obligation i might or may well not owe.

You might ask SS by themselves? Did you have 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.

Thank you for the reply, I’d imagine it absolutely was about three or four years, there’s nothing showing to my reports. Perhaps I’ll simply wait to see if we online title loans in Tennessee hear from their store. All post is been forwarded from old target so any correspondence would has been received by me from their website.

I’ve been examining the commentary recently and am happy to see men and women have been having some success with refunds.

I will be nevertheless waiting to know the results of NIck H arbitration that he stated ended up being scheduled sometime in September ’17 before I submit my claim to your OAFS due to a “i 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 potentially wouldn’t become successful.

Nonetheless, my present real question is that i have already been reading in past articles that:

“They wont budge on loans before 2011, they make that clear. They didn’t need certainly to conform to any legislation pre 2011.”

My loan that is last was FEB 2009, thus I have always been worried they won’t even contemplate it.

Has anybody had a payout with a pre 2020 loan?

The Hitman says

I’ve had a rather thought that is similar with mine, when i had loans from 2019-2020

Well eventually got a last reaction from SS they don’t acknowledge any incorrect doing but will waive the outstanding £450 stability! Gone right back several times over the previous couple of months absolutely nothing straight straight 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 economic stress and a dark dark time bank statements and credit report reveal the degree of borrowing and exactly how dependant I became on these loans so I’m not backing straight straight down with this as when they had done appropriate checks i must say i wouldn’t have already been offered any style of credit! Anyhow I’ve dealt with all the other loan providers a number of which decided to go to FOS and upheld.

Long tale short I’ve emailed OaFS and so they have actually been therefore helpful. Today once I emailed them for addesss and bank details to lodge my grievance 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 issue 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 an excellent outcome! They are doing tbink since they weren’t controlled within the U.K. or by FCA and away from reach of FoS they can simply dismiss people and I also could have ignore it if it wasn’t with this web page so many thanks!

Only one bit that is last of for you to my nowadays settled loan. OAFS have actually refunded my 25 Euro costs when I accepted the offer that I’d from Northway, even though we most likely, well undoubtedly, will never have experienced that offer without having there input. Great solution.

Pertaining to the commentary we made about PTPD perhaps maybe perhaps not budging on loans pre 2011 then this is certainly one thing you ought to challenge. This is the information they explained in me personally uncertain terms, I had 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 there I have begun the OAFS process – I’m sure it is pretty adjustable, but can somebody provide me personally a obscure concept as to the length of time it took from that time? Have always been I evaluating another month or two to eliminate?

I’d want to understand this to!

We received my receipt and enrollment associated with problem by the end of August.

The things I will say however will be the people at OAFS are particularly helpful and would gladly spend our Financial Ombudsman a comparable quantity for a solution nearly as good.

Sara (Financial Obligation Camel) says

The FOS gets one thousand cash advance complaints a thirty days. 68% are increasingly being upheld. We question the OAFS gets 50.

I’ve been going right through for around a few months now and may have my hearing adjudicates because of the conclusion with this thirty days

Hi all, Northway have actually answered to me with my declaration of account fully for Swift Sterling but have actually stated 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 issue for them while they received the attention We paid, they granted the loans and I also believe that it is they who will be the reckless loan provider.

Sara (Financial Obligation Camel) says

The grievance is going to Northway. Ignore their cautiously worded message – legally it is proper but almost everyone checks out it the incorrect way…

Nick H – any upgrade in your adjudication?

Nevertheless waiting in it to ensure the date associated with 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

Presently in mediation with Northway and they’ve got provided funds of 115 (I’m owed with interest and charges near to 3k ) my loans had been applied for in 2007 many of them post legislation change in April 2007, does anybody understand the date poundstilpayday became managed by the OFT ?

Sara (Financial Obligation Camel) says

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

Comparable figures for me. Their provides had been a laugh so my mediation failed.