Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #41
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    Default Re: Lowell and Provi doorstep loan CCA

    bbarclays or orangeicon did not ask for any id so i follow suit


  2. #42
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    Default Re: Lowell and Provi doorstep loan CCA

    What and you'd moved before taking those out too?
    Sounds a bit dodgy re dpa


  3. #43
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    have received the SARicon from provi took 4 days quick wernt they

    first point cannot find the agreement number on the agreement
    also as bazooka said
    they took payment from this account one week after i received the loan will post later on

    sorry about the confusion dx said about the fourteen day ruling I stand corrected


  4. #44
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    done at last

    i hope i have merged these correct first time i done it took a long time
    there is a couple of other information il post on after i have some food

    thanks

    doc with SARicon that came with them also please note there is no terms and conditions in any file

    Attached Files

  5. #45
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    Default Re: Lowell and Provi doorstep loan CCA

    all uploads merged to one file for now
    that needs re ordering
    at at least one point in time
    its evident you had more than 1 load running with them.


    and with all that you had going on at that time re all your other threads...
    me thinks irresponsible lending could play a significant part here...


    got any credit files for that period too?


  6. #46
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    Default Re: Lowell and Provi doorstep loan CCA

    thanks dx
    I did think that irresponsible lending was a part of this as they could see that we were struggling to pay other one
    and did not take into account this just kept giving sweets out

    regarding credit files do you mean
    the credit files on noodle for that period

    thanks again


  7. #47
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    Default Re: Lowell and Provi doorstep loan CCA

    checked nodle no files for that period available sorry


  8. #48
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    Default Re: Lowell and Provi doorstep loan CCA

    no you cant get rhetoric credit files
    you would only have them if you had used and kept a credit file printout during that period
    only Equifax and Experian existed back then


    but then again THEY should have been doing that themselves before lending to you.
    and multiple? loans at the same time?


    as for irresponsible lending
    twould run from the very 1st loan right thru


    if your credit was shot, and you were already behind and defaulted with many debts
    they should never have started to give you money


  9. #49
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    Default Re: Lowell and Provi doorstep loan CCA

    your wise recommendation then dx wait until lowlife contacts me and then tell them that it is in dispute????


  10. #50
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    Default Re: Lowell and Provi doorstep loan CCA

    i would never recommend entering into any letter tennis.


    prove your theory go after vanquish under IT
    you never know you might get lots of moneyback.
    still digesting stuff


  11. #51
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    Default Re: Lowell and Provi doorstep loan CCA

    please explain vaquish and it dx bit confused


  12. #52
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    Default Re: Lowell and Provi doorstep loan CCA

    provident/vanquis all the same lot!!
    but you go after provi for IR claim if the cap fits..


  13. #53
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    i see what you mean now dx

    regarding the SARicon dx there is no terms and conditions in any of the files do i ask for them also from provi


  14. #54
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    Default Re: Lowell and Provi doorstep loan CCA

    i wouldn't not you problem..


    CAG Guide To PDL Reclaims


  15. #55
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    Default Re: Lowell and Provi doorstep loan CCA

    thanks for the info opened my eyes


  16. #56
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    Default Re: Lowell and Provi doorstep loan CCA

    i have looked at the loans and there is a lot overlaping and clear evidence that i was struggling to pay one off not 2
    i am now writing a complaint to provi with my concerns and evidence and will update on reply


  17. #57
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    Default Re: Lowell and Provi doorstep loan CCA

    with all due respect
    let us see it.


    you make so many schoolboy errors another might screw this.


    dx


  18. #58
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    Default Re: Lowell and Provi doorstep loan CCA

    thanks dx will construct one tonight


  19. #59
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    Default Re: Lowell and Provi doorstep loan CCA

    this one i did although it is my first time at it

    Name
    Address
    e mail address
    Reference/Account number

    Date

    Complaint about irresponsible lending

    Dear Sir/Madam

    I am writing to you regarding the loans I took out between 11/12/2008 and 28/05/2010 for which I have the necessary Documents which I obtained under SARicon.
    As you are in possession of these Documents as well there is no need for me to supply you with copies. If however you cannot find these documents I am more than willing to supply you with a copy.


    According to your Documents
    you have rolled my loans over on a number of occasions and also you have supplied me with loan after loan when it was clearly obvious from your documents that I was not financially able to pay the existing loan, you should have realised that when you made a credit check on my file on every application you would have also realised that I was in default on other loans this you did not take into consideration when you supplied me with a loan. Furthermore your agent did not at any time ask about my financial position nor was any questions asked about my income and expenditure at any time.

    You should have not have given me these unaffordable loans therefore I would ask you to refund the interest charges and any other charges that occurred .

    The Financial Ombudsmanicon suggest that statutory interest is added to this sort of refund.

    I only found out that I could make this irresponsible lending complaint in July 2017.

    I also understand that the Financial Ombudsman will consider all of my loans including those that are over 6 yearsicon old.


  20. #60
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    Default Re: Lowell and Provi doorstep loan CCA

    simply make it short and simple.

    between date and date
    you allowed me to take out numerous loans, sometimes two at a time, sometimes rolling many loans into one new loan, when it was evident l could not afford them.

    Not once did your doorstep agent ever ask to see any financial details, nor to my knowledge carry out any affordability checks.

    I wish you to investigate this serious complaint complain please before I forward all my paperwork on to the fosicon.

    Have already sort advice from them, I believe you have XX days to do so.

    something like that



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