"Robbing from the poor"

I hit a pretty bad spot in my life and ended up racking up about 25k in debt through a split which then turned into gambling and drinking. Amigo loans was the only place to turn as knew if I had a guarantor they would take me on. Had they actually looked into my finances and debt I had no one would have came near me. I took a loan and then was even able to top up but as corona virus hit then finances were impacted and I had to take a trust deed out to get my finances under control. So currently am paying my trust deed which amigo are receiving money for but they also chased my guarantor to pay back the remainder. Which he obviously wasn't willing to do so I am now having to pay him aswel. So I filed a complaint for irresponsible lending on the 1st of November and all through the process they said sorry about the delays but it will still be settled within the 8 weeks agreed by the FOS. Come 26th of December it was still not settled. And then in the coming weeks receive emails about this new scheme they are proposing. Fair enough if new applicants want to go through this scheme but our applications were within the 8 weeks u promised. So not only have u broke your word in this, u are still demanding payments from us while we wait till march for some scheme that might not even happen, and then we need to apply again. Seems like the delay tactics and the work of crooks who have something in store to shaft us all.

"Such a bad company"

Such a bad company, had my complaint open since sept last year, had an email to check how many times my guarantor had paid on my behalf so they could work out a redress amount in November and nothing since!! I have chased and chased with no response but the second a payment is late they are quick enough to get in touch with a barrage of emails calls and texts and when you mention your complaint still nothing happens!!
If I could give zero stars I would!!

**EDIT**
A second rate response from Amigo below which has only been provided due to a bad review being left - it’s a shame they’ve waited over 2 months to say this instead of responding to my many emails! It seems they are trying all they can to delay taking responsibility and giving back what their customers rightly deserve by this ridiculous scheme!

"Go to the ombudsman about this company."

I became a guarantor for a loan in 2016, 3 months later the borrower stopped making payments, I was bombarded with emails and text messages stating shes X amount of days behind, default notices, credit file impacts etc.

The borrower blocked me off everything so I couldn’t contact them to solve this or look to get paid back by them, I was then left to pay the remainder balance between £800-£900

I complained to Amigo that this loan should have never been paid out to the borrower in the first place and she even requested several top ups which would indicate financial hardship, I know since then she has became a guarantor for Amigo Loan for her partner - they both live at the same address so this should have been flagged upto Amigo Loan on their system!!

Amigo Loans emailed me today to state that my complaint is not being upheld -shock I know quick enough to take your money and hound you for it but can’t give you back what your owed? not even anything for compensation for the harassment of having to pay the account as being “guarantor”

So .. I have taken this upon myself to approach the ombudsman, I have looked at some of their case studies and will be interesting to see what the outcome is- Amigo Loans have applied to go through some sort of process instead of Administration so they will now have another £500 added to their bill from me going to the ombudsman! HAHA

"Made a complaint back last year begin…"

Made a complaint back last year begin of july and still waiting to hear from them no offer or anything they are really irresponsible at lending when I was in trouble it was easy fix but if they looked further it was bad to do they do not rush with anything and 7months for a complaint is extremely unprofessional!!!!!!

"Amigo loans need to pay up!!!!"

Amigo loans need to pay up!!!!! I recieved my offer letter and was told my refund should in my account in 10 to 15 working days and now they tell my account on pause!!!!!!!

"Not even a one star thay are bullies…"

Not even a one star thay are bullies and I want my day in court.
The BBC are very interested in these bullies. Avoid like the plague

"Complaint number 30199819"

Complaint number - 30199819

I submitted my claim over 4 months ago, I have had no communication bar a couple of generic response emails to apologise for the delay. I filled out a questionnaire to prove that I had made the payments to Amigo when I had a loan and then again nothing since then.

Can somebody please come back to me?! I have emailed numerous times asking for someone to update me with no response. I’ve not even been advised whether or not my claim has been successful let alone been offered a redress figure. Not very hopeful considering the timescales people are waiting from these reviews, it seems as if the time scales are becoming longer and longer ?! Should not be taking on new claims if you cannot complete the older ones!!?

"AVOID LIKE COVID!!!!"

Took a loan out and got a topup. After years of paying debt off finally done it all with MANY troubles along the way of not being able to afford it. Especially when i contacted them to advise i was pregnant, to which they said when on maternity leave call us to go through making a new payment schedule up when on low wages. Contacted them and they said nope nothing we can do. So on £560 a month they continued taking £120 off me even when discussed the stress i was being put under especially with postnatal depression. Anyway made a complaint after the loan closed for irresponsible lending and 7 months later I have had no final response from them, even after being told in November 2020 i would have a response in 2 weeks. They hound you like a dog when you miss a payment but stall in an absurd way when you make a reasonable and valid complaint. Still waiting for a response regarding the irresponsible lending. I am fobbed off everytime I email or call but yet have seen people on Facebook groups advise they have been awarded the unaffordability claim and received interest back, all in a couple weeks. Disgusting

And whenever you do contact them they will give you a generic response like the one on this review. They claim to have a new process in place for these irresponsible lending claims which was started 6 months after my claim was opened so mine should have been dealt with and closed prior to this new scheme which will now delay me another 3 months AT LEAST

"Don’t touch this company"

Don’t touch this company, I took a £2000 loan out in 2017 and then they said I could top up to £5000 so being the stupid 20 year old i did, although I couldn’t afford it at the time they still paid it out... The balance currently is £4495 to pay off and I’ve paid a total of just over £10,000 in interest and only £595 has come off my balance! Avoid this company. You pay all the interest for the loan period before your payments touch the borrow amount

"Really good customer service and very…"

Really good customer service and very helpful.
I paid on time and never missed a payment so really not much interaction.
But at the end of my term I'd realised I'd paid to much intrest after taking them to the financial ombudsman they agreed to pay the readress which they did with in the time scale.
They get 4 stars and not 5 as they made a big payment to my garountor who never made any payments and as im not in contact with that person can't challenge it.even when spoke to amigo said nothing they could do.
But all in all quite pleased