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    • Just to clear it up, sorry I don't make sense sometimes. I have paid £4000 £1200 of that was suppose to clear the £1200 debt.   Meaning I have sent a extra £2800 on top of my normal mainternance money.   Thank you
    • Try CPR 31.15 Possibly but a party is not compelled to disclose any documents pre allocation
    • Hi, I shown my key worker a letter that was sent to me saying that I owe £1200, she setup a standing order around 2021, this was to pay back money I owed, with my mental health status I have had complex issues to deal with and I just simply forgot about this standing order so it has been running for about 3.5 years acording to my key worker, anyway I'm not worried about the money that was sent that I call a overpayment, it went towards supporting my child's household so I am just happy with that, I am a little sad that I am being told I still owe this £1200, I have sent bank statements over 3 years worth but they have not taken away this £1200 bill and still say I owe it   Thank you
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Safeloans - Successful Set asside


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I raised a complaint with safeloans

- directly with them

- re irrisponsible lending

 

- I only had one loan with them way back in 2012

- but defaulted

- didnt respond to their letters and eventually got a ccj

 

- but after writing an email complaint to them which was responded to very quickly

and they agreed to get the ccj set aside

 

- I have spoken to northampton bulk centre who have confirmed this

- yipeee!!!

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And just like that you got a CCJ set aside? Damn Neil... YOu are having some success... :)

HAve you checked your CRAs and Trustonline?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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yep just like that - I can't believe how easy it was to get them to agree to my complaint and request for removal of the ccj - It was only confirmed on the 9th feb so have to wait 28 days for its removal from my credit files - confirmed over the phone this morning with the bulk centre

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For anyone else out there who took out a PDL with Safeloans and had a ccj through them

 

- it may also be worthwhile you pursuing the same course of action with them

 

- the reson why

- this is a statement in their reply to my complaint -

 

"Since the time in question we have migrated twice out of previous Customer Relationship Management systems to our current operating system.

 

We have also moved offices in February 2013

 

and we have since closed our lending business on the 01.05.2015.

 

Therefore we do not have all the data available on historic settled accounts".

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DPA Means should have to keep a copy of the info for 6 years minimum as required.

 

 

Interesting, but you got a helluva result fella. Well done!

 

Ill have a Kopparberg for you tonight! :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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  • 11 months later...

Hi the email address I used was [email protected]

 

 

To whom it may concern,

 

My Safeloans ref = XXXXXX

 

The complaint read as follows;

 

PLEASE ENSURE ALL CORRESPONDENCE TO THIS COMPLAINT ARE SENT VIA EMAIL TO ENABLE A FASTER RESOLUTION

 

I am writing to complain about a loan provided by Safeloans which was defaulted by me and subsequently a CCJ issued in August 2012.

 

My complaint is that should Safeloans Ltd have carried out affordability checks and even basic credit reference checks that this loan would not or should not have been approved. As at the time the loan was provided it would have been clear on any credit reference check that I had previously taken out payday loans with various lenders, was currently in debt with other payday lenders and any credit reference check would have also shown defaults with other lenders. All the information available on my credit file would have shown that I was reliant on payday lenders and therefore a risk.

 

Therefore the loan should not have been provided and as such if it had not been provided then I would not have placed myself in a situation where a ccj could be raised against me.

 

I hereby request that you remove all references to any loan, default or ccj for Safeloans Ltd from my credit files.

 

I understand that you are entitled to 8wee

To whom it may concern,

 

My Safeloans ref = 8wks or 56 days to respond to my complaint, but I do ask that you respond sooner so as not to lengthen the time to resolution.

 

Many thanks

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Thank you for that Neil,

I have just had a reply from them, and they are going to investigate my case, how long did you wait between sending the initial email and hearing their decision ?

 

I have also used your template letter for a couple of other payday loans,

 

I will keep you posted,

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