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    • Paragraph 18 – you are still talking about Boston stolen items. About time this was fixed??? Paragraph 19  In any event, the claimant's PS5 gaming device was correctly declared and correctly valued. The defendant accepted it for carriage and was even prepared to earn extra money by selling sell insurance in case of its loss or damage. New paragraph 20 – this the defendant routinely sells insurance in respect of "no compensation" items (a secondary contract contrary to section 72 CRA 2015) new paragraph above paragraph 20 – the defendant purports to limit its liability in respect of lost or damaged items. This is contrary to section 57 of the consumer rights act 2015. The defendant offers to extend their liability if their customer purchases an insurance cover for an extra sum of money. This insurance is a secondary contract calculated to exclude or limit their liability for the defendants contractual breaches and is contrary to section 72 of the consumer rights act 2015. New paragraph below paragraph 42 – the defendant merely relies on "standard industry practice" You haven't pointed to the place in your bundle of the Telegraph newspaper extract. You have to jiggle the paragraphs around. Even though I have suggested new paragraph numbers, the order I have suggested is on your existing version 5. You will have to work it out for your next version. Good luck!   Let's see version 6 Separately, would you be kind enough to send me an unredacted to me at our admin email address.
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Can I claim against a guarantor loan as I have PDLs?


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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.

Edited by Scotty150
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ofcourse you can IR on a guarantor loan..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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But technically didn't they lend the money to your partner, and not you? I don't know much about Guarantor loans, but I understand that your financial situation is largely irrelevant so I am not even sure they would credit score you or look at bank statements, they'd only be interested in your partners history.

 

As I say, not sure but as they didn't actually pay any money into your bank account I don't know if you could claim IR lending

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  • 3 weeks later...

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.

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