In all honesty they may not be a financial obligation collector i might care to approach having a relevant concern about a debt i might or may well not owe.

You might ask SS on their own? 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.

Thank you for the response, I’d imagine it absolutely was about three or four years, there’s nothing showing on my reports. Possibly I’ll simply wait to see if I hear from their website. All post is been forwarded from old target so I would personally have obtained any communication from their store.

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

I will be nevertheless waiting to know the end result of NIck H arbitration that 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.

Nevertheless, my question that is current is 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 final loan was in FEB 2009, and so I have always been worried they won’t also ponder over it.

Has anybody possessed a payout having a pre 2020 loan?

The Hitman says

I’ve had a rather comparable idea today 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 straight back several times over the previous few days absolutely nothing right 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 history reveal the degree of borrowing and how dependant I became on these loans so I’m maybe maybe maybe not supporting straight down with this as when they had done appropriate checks i truly wouldn’t have now been offered any style of credit! Anyhow I’ve dealt aided by the other loan providers several of which went along to FOS and upheld.

Long tale I’ve that is short emailed and additionally they have actually been therefore helpful. Today once I emailed them for addesss and bank details to lodge my issue using them they stated forward on all of the email messages I’ve delivered them and they’ll e-mail SS/Northway and chase up before an official issue to make certain that was done today and let’s see when they react otherwise publishing my kinds and all sorts of proof and longing for a beneficial outcome! they are doing tbink if it wasn’t for this page so thank you because they weren’t regulated in the U.K. or by FCA and out of reach of FoS they can just dismiss people and I would have let it go!

Just one single bit that is last of for your needs on my now 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, wouldn’t normally experienced that offer without having there input. Great solution.

Pertaining to the remarks we made about PTPD maybe maybe not budging on loans pre 2011 then this is certainly one thing you will need to challenge. That’s the info they explained I had ten loans pre 2011 from 2009 and through 2010 in me uncertain terms. As I accepted a better offer I didn’t obtain the opportunity to challenge this. However you should.

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

I’d love to understand this to!

August i received my receipt and registration of the complaint at the end of.

The thing I will state however would be the people at OAFS have become helpful and would cheerfully spend our Financial Ombudsman an amount that is similar a solution of the same quality.

Sara (Financial Obligation Camel) says

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

I’ve been dealing with for around three months now and may have my hearing adjudicates by the conclusion of the thirty days

Hi all, Northway have actually taken care of immediately 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 that are the reckless loan provider.

Sara (Financial Obligation Camel) says

The issue is going to Northway. Ignore their cautiously worded message – legally it is proper but just about everyone checks out it the incorrect method…

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 money of 115 (I’m owed easy installment loans Indiana online 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 (Debt Camel) says

I will be perhaps not certain it ever had been OFT controlled.

Comparable figures if you ask me. Their provides had been a tale so my mediation failed.