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exasperated

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  1. Morning DX Does the IRL complaint go to Lantern or elsewhere. Is there a template on the site for it.
  2. Hello My son was given an amigo loan whilst he was a student with no form of income. His girlfriend acted as guarantor also a student with no income. We originally asked amigo loans for the following but they never replied. Lantern have bought the debt I have asked them for the same. They have replied but not for what I asked. Any advice anyone as this is seriously affecting my son. I have right to correspond over the account due to my son’s mental health issues at the time. This is what I have asked for application form completed by him and any pre contract documents credit file results obtained at the time of approving the lending details of income information obtained, and any documents used to verify income such as payslips or bank statements any income and expenditure checks completed at the time of the application …………..
  3. Sorry for late reply DX, Yes home is jointly owned but unfortunately the bounce back loan was in both our names also. How nuclear can they go?
  4. Yes HSBC at this time, I wanted to preempt any action as no way I can afford to pay the full amount they have put the missed payments into an unauthorised overdraft @ 19.5% interest. I get my last pay on the 23rd of December then I will have to sign on benefits until I find alternative work. Not sure on the letter as they have the old business address at present.
  5. Hi Dx yes hmrc have been informed we have ceased trading in November 2021. It was a self employed partnership (the other partner is my spouse) I never signed an actual personal guarantee only the application as did my wife Thanks
  6. Hello All, Got my debt sorted with help from CAG then the covid happened crushing our business. Couldn’t pay back the B2B only on reduced payments & holidays which I’ve now exhausted. The hassle is now relentless but I have no spare money. any advice anyone please
  7. Hi Dx every letter sent was via Royal Mail recorded delivery. No I haven’t but rather than return these forms I will download the FOS questionnaire from the FCS website and return that instead of the form. Thanks I’ll let you know what happens.
  8. Hello Had a response from two companies. First RBS have said following the form they sent me which I returned they have NOT upheld my complaint. Second more importantly following sending BOS a SAR two small amounts for £100 and £184 were found dating back to 09/2000. Despite requesting a refund for the past several months they too have now sent me the same forms. Not sure what I put wrong on these forms do we have to fill them in ? I should add that the SAR request to BOS clearly showed the date and the amount of PPI. I photocopied these and returned then with an accompanying letter asking for a refund as I had not requested these to be toploaded on my loan. Despite this as stated earlier they have asked me to complete the forms.
  9. Hello Is it time to take the companies refusing to resolve the PPI to court, is this my best course of action as they are just paasing it around several departments
  10. No reply DX completely ignored me, any advice on a letter Thanks for your help
  11. Its names four different policies, life, critical illness, disability and payment protection.
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