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

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

You might ask SS on their own? Did you have got 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 back at my reports. Maybe 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 store.

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

I will be nevertheless waiting to listen to the end result of NIck H arbitration which he stated ended up being planned sometime in September ’17 that I don’t want to acknowledge in writing if my claim potentially wouldn’t be successful before I submit my claim to the OAFS due to a “I think it’s a statute barred outstanding debt” with Pounds to Payday.

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 have to adhere to any legislation pre 2011.”

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

Has anybody possessed 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 response that is final SS they don’t acknowledge any incorrect doing but will waive the outstanding £450 balance! Gone right back several times over the previous couple of days absolutely nothing straight right straight back from their store threatened OAFS still nothing. Ashamed to say 9 consecutive loans with SS all post 2011 alongside 10-15 other month-to-month payday advances because of my monetary stress and a dark dark time bank statements and credit history reveal the degree of borrowing and exactly how dependant I happened to be on these loans so I’m maybe not supporting straight down about this as should they had done appropriate checks i must say i wouldn’t have now been provided any style of credit! Anyhow I’ve dealt because of the other loan providers a few of which went along to FOS and upheld.

Long tale short I’ve emailed OaFS in addition they have actually been therefore helpful. Today once I emailed them for addesss and bank details to lodge my grievance if they respond otherwise posting my forms and all evidence and hoping for a good result with them they said forward on all the emails I’ve sent them and they will email SS/Northway and chase up before a formal complaint so that was done today and let’s see! They are doing tbink since they weren’t controlled in the U.K. or by FCA and away from reach of FoS they can simply dismiss people and I also might have overlook it if it wasn’t with this web page therefore many thanks!

Just one single final little bit of information for you personally on my nowadays settled loan. OAFS have actually refunded my 25 Euro costs 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 remarks we made about PTPD perhaps not budging on loans pre 2011 then that is one thing you will need to challenge. That’s the information they said in me personally uncertain terms, we had ten loans pre 2011 from 2009 and through 2010. I did not get the chance to challenge this as I accepted title loans Virginia an improved offer. However you should.

Hi here I have begun the OAFS process – I’m sure it is pretty variable, but could somebody provide me personally an idea that is vague to just how long it took from that time? Have always been we evaluating another month or two to eliminate?

I’d want to understand this to!

I received my receipt and enrollment associated with grievance at the conclusion of August.

The things I will state however would be the people at OAFS are extremely helpful and would gladly spend our Financial Ombudsman an amount that is similar 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. We question the OAFS gets 50.

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

Hi all, Northway have taken care of imme personallydiately 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 issue for them 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 grievance is going to Northway. Ignore their very carefully worded message – legally it is proper but just about everyone checks out it the incorrect means…

Nick H – any improvement on your own adjudication?

Nevertheless waiting to them to verify the date regarding 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

Presently in mediation with Northway and they’ve got provided money 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 April 2007, does anybody understand the date poundstilpayday became managed by the OFT ?

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 a tale so my mediation failed.