after waiting for 2 weeks for some kind of acknowledgement. I messaged UKCredit and asked whether the complaint was being actioned. As they provide no email address to make a complaint, the complaint was sent through their online form. Funnily enough, they have no record of a complaint ever being sent.

You have 8 weeks from the send date until you can send to the FOS.

Well this was my original concern, that it would just be passed to my partner. I have put the complaint in and i'll update this thread with progress.

ok thanks , my worry was that even if this went to the FOS, it would be taken off me and fully passed to my partner.

The DMP begins next month and is for £329pm total. First payment will be tomorrow.

Hello, I've had a gambling addiction which has lead to thoughtless borrowing and large amounts of debt. Earlier this year i decided to do something about it and I've currently got the gambling under control, put in complaints with all the PDLs i borrowed from and joined StepChange. The CAG guides have been a massive help, so thank you to all those involved. One problem I still have is a £7500, 4 year guarantor loan with UKCredit. I've currently paid UK Credit £3,800 but have fallen short on the payments since March. I've found the guarantor loans really cause problems on a dmp, as StepChange are suggesting £97pm and UKCredit are making my guarantor pay the rest. When trying to go back to StepChange to get this increased to full 281.50pm, they've refused. Jan 16 | £7,500 | £281.50 a month | Current Balance £6998.09. My guarantor is my partner. My question is can I claim irresponsible lending like I did with the PDLs or does having a guarantor stop that claim? When I applied for a loan with UKCredit I had the following outstanding: 118 118 MONEY | £2500 | £190pm AVANT | £3800 | £175.42pm Sunny £900 | MyJar £1000 | £495.29 pm Payday UK £800 | £969.36 Marbles £900 - £25.36pm Mr Lender £250 | £274 Satsuma £300 | £88.40pm Santander Credit Card £1900 | £30pm Vanquis £450 | £45pm My credit file was littered with missed payments and my bank statements showed my gambling situation.