In all honesty they’re not a financial obligation collector I would personally care to approach by having concern in regards to a financial obligation i might or may well not owe.

You might ask SS by themselves? Did you have got a complete large amount of loans through them? If you did you could invest an affordability issue and that may possibly purge exactly what took place to your last loan.

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

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

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

But, 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 conform to any legislation pre 2011.”

My loan that is last was FEB 2009, therefore 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 an extremely thought that is similar with mine, when i had online title loans in Tennessee 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 stability! Gone straight back several times over the previous couple of days absolutely nothing straight straight right back from their store 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 maybe not supporting down about this as I really wouldn’t have been given any form of credit if they had done proper checks! Anyhow I’ve dealt because of the other lenders several of which went along to FOS and upheld.

Long tale short I’ve emailed OaFS and they’ve got been therefore helpful. Today whenever I emailed them for addesss and bank details to lodge my issue 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 for was done today and let’s see when they react otherwise publishing my types and all sorts of proof and dreaming about a good 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!

Only one bit that is last of for your needs to 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 responses we made about PTPD maybe perhaps not budging on loans pre 2011 then that is something you ought to challenge. This is the information they said I had ten loans pre 2011 from 2009 and through 2010 in me uncertain terms. When I accepted a greater offer I didn’t have the opportunity to challenge this. You should.

Hi there I have begun the OAFS process – I’m sure it is pretty adjustable, but could somebody provide me personally an idea that is vague to just how long it took from that time? Have always been we considering another couple of weeks to solve?

I’d want to understand this to!

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

The thing I will say however would be the people at OAFS have become helpful and would gladly spend our Financial Ombudsman a similar quantity for a solution of the same quality.

Sara (Debt 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 on through for around three months now and really should have my hearing adjudicates by the conclusion with this thirty days

Hi all, Northway have actually taken care of imme personallydiately me with my declaration of take into account 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 complaint 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 grievance is going to Northway. Ignore their cautiously worded message – legally it is correct but everyone checks out it the way that is wrong…

Nick H – any enhance in your adjudication?

Nevertheless waiting in it to verify the date of this hearing.

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

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 removed in 2007 a lot of them post legislation change in April 2007, does anybody understand the date poundstilpayday became managed by the OFT ?

Sara (Debt Camel) says

I’m maybe not certain it ever had been OFT controlled.

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