Hi All,

I will try and keep this brief but I wondered if someone can help me.

Approx. 2009 ish I took out a payday loan with Safeloans and all was well. My son passed suddenly and things spiralled out of control, I was subsequently diagnosed with Bi-Polar and a social worker was allocated to me.

I could not communicate with Safeloans, they were sent a letter by a credit union asking them to cease contact with me which they ignored, ignored the payment arrangement and took to court. A charge was put on my property.

Fast forward to 2014.

I am at work and reception called me to say they had Halifz bank on the line they needed to speak with me regarding fraud I had commited on my account. The call was transferred to me and it was Safeloans who had found me on Linkedin! I panicked and hung up.

I was placed under investigation at work due to this. I complained to safeloans and said I had obtained a copy of the call and they said I had broken the law and they needed to speak with my employer. I panicked and did nothing more.

Since then they have sent two letters to my employer saying under the money laundering act they need further information about me. I lodged an official complaint with them and they sent me newspaper articles of someone who had died in a car accident and said he worked from work often and were unable to assist me without going to the deceased parents and asking for his computer.

I went to the FOS who have said they will tell them to write the debt off (600.00 ish) plus 100.00 compensation.

Considering my employment is at risk I want to know is this proportionate - is this the only recourse I have with them?

The FOS advisor said their compensation limits are very low and agree with what they have offered - they have all the evidence of the above - funnily enough all my "data" with safeloans as in communication and calls to me was lost in a system migration.

Can anyone help please? Shall I fight further or accept this?

take your complaint to the FCA - they will surely have something to say about this - you could ask for more compo but i doubt you will get it

Woah! This is shocking... Thats Safeloans for you!! *__*

But saying youve broken the law... And they need info under the "Money Laundering Act"... Christ this is awful!

Hi there, this is a truly awful story.

Why is your employment at risk ? do you work in a financial position ?

It is shocking - and unbelievable really :/

I dont work in the financial industry - I work in the security industry so a call saying I have committed fraud on my bank went down like a lead balloon as you can imagine. The letters have just aggravated the situation.

I had to go in an investigation, placed on limited duties in terms of access to systems until I could "prove" my innocence!

Your employer should be trying to help you with this, not punish you for it. How long have you worked for them ?

this is disgusting....you really should go to the fca...hopefully the will rule in your favour...perhaps court action against them also?

Thread moved to the appropriate forum.

Andy