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PDL DEBTS - not able to pay everyone now...


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signature on letter - adjudicator

 

but on email the same person as Financial Ombudsman Service, [email protected]

 

I am surprised because the first instalment I paid week late because I didn’t have money and after two days I took the second one, this didn’t stop them to give me more even if I paid first late

 

I don’t know how this has been checked,

I had at least 9 pay day loans on that time plus normal ones from March 2017:

santander 486.00/ Month,

ratesetter – 264.00/ Month

plus two more from August

 

and they saying – only two ???

It is complete nonsense

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how to Complain? where to send ??

 

Do I have chances ?? How many times in the past Adjudicator said one thing and FOS commented it differently??

 

I don’t know how they can see, even adjudicator that I had only two loans when was taking Satsuma first one in July.

I went again with my Statements and see below my loans, completely wrong

 

Loans:

Santander 15 March 2017 – £15.000.00

RateSetter – 21.02.2017 £6,000.00

TM Advances Ltd – 22 August 2017 £3,000.00

 

Plus Ferratum 300.00/ each Month from June 17 and SAfetynet Credit 350.00 each Month

 

Payday Loans:

 

10.05.2017 SUNNY £400.00

11.05.2017 WONGA £500.00

13.05.2017 MY JAR £600.00

16.05.2017 Novaloans £400.00

08.06.2017 Sunny £400.00

10.06.2017 Novaloans £400.00

19.06.2017 Poundstopocket £500.00

07.07.2017 Novaloans £600.00

13.07.2017 Satsuma £900.00

17.07.2017 118118Money £2000.00

01.08.2017 Wonga £500.00

10.08.2017 Uncle Buck £500.00

11.08.2017 STAGEMOUNT LIMITED £600.00

11.08.2017 SUNNY £50.00

14.08.2017 MRLENDER.COM £500.00

15.08.2017 EVFIN LENDING AC F MONEYBOAT £400.00

18.08.2017 THL £175.00

25.08.2017 WAGEDAY ADVANCE £300.00

 

Any comments welcome

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Is it worth going to an Ombudsman if an Adjudicator has REJECTED my claim?

 

“Satsuma has told us that it asked you about your income, expenditure and attempted to carry out a credit search. However looking at the results of the credit search Satsuma carried out, it appears the data it asked for wasn’t available”

 

I had so many laons and adjudicator says that SATSUMA could see only 2???

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it tells you how to on the bottom of the FOS reply

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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threads merged W30

please keep to one thread

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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  • 2 weeks later...

Hello,

 

I responded to email received from Adjudicator and I asked again look into my queries but by someone else or Financial ombudsman this time but I received again email from the same person!!??

 

 

Thank you for your email with the additional information provided. As I’m the adjudicator that’s looking into your complaint, your email has been passed to me to respond.

 

I’ve asked Satsuma for their comments regarding the outstanding loans you’ve said you had at the time, and will get back to you once I hear from them.

 

In the meantime it may be helpful if I explain that due to the relatively low repayment amounts against your income, I wouldn’t have expected Satsuma to see the gambling transactions that you’ve mentioned, or to have seen the other loans you had at the time apart from the short term credit commitments that you had. This means Satsuma wouldn’t have known about your loan with Santander, your credit cards or your overdraft balances that you’ve mentioned.

 

In addition regarding your request for Satsuma to write off your second loan, this wouldn’t usually be something that we would recommend. As you borrowed the principle amount and had use of these funds, we wouldn’t expect Satsuma to write off this amount. If we find that the loan should not have been given to you, we would usually recommend that interest and charges on the loan are refunded with 8% statutory interest, and any adverse information regarding the loans removed from your credit file.

 

If you have any further questions please don’t hesitate to get in touch, otherwise I’ll let you know once I’ve heard from Satsuma.”

 

 

Please help – what should I pointed to her????

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In the meantime it may be helpful if I explain that due to the relatively low repayment amounts against your income, I wouldn’t have expected Satsuma to see the gambling transactions that you’ve mentioned, or to have seen the other loans you had at the time apart from the short term credit commitments that you had. This means Satsuma wouldn’t have known about your loan with Santander, your credit cards or your overdraft balances that you’ve mentioned.

 

Factually Incorrect - all that sort of information is what goes on a credit file - Morons... When doing credit checks they will see all that information thru all the CRAs... - Doesnt Wash with me...

 

In addition regarding your request for Satsuma to write off your second loan, this wouldn’t usually be something that we would recommend. As you borrowed the principle amount and had use of these funds, we wouldn’t expect Satsuma to write off this amount. If we find that the loan should not have been given to you, we would usually recommend that interest and charges on the loan are refunded with 8% statutory interest, and any adverse information regarding the loans removed from your credit file.

 

Well actually - Getting it removed from your CRA is the best thing that could happen

 

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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I received this email yesterday from Wonga and I am still waiting for response from Financial ombudsmen after my complains, I don’t know what kind of answer I will get this time from FOS.

 

Is it anything what I can do to avoid defaults??? Can I call them and ask for repayment plan now even if I am awaiting for response from FOS?

 

I sent Wonga email that I am awaiting response from FOS but they never responding to any emails

 

 

"We’ve resumed collections activities on your account

 

We're very concerned that, despite our previous correspondence and offers to help you resolve this matter, your loan remains unpaid. After placing your account on hold for 38 days we can confirm that we have now resumed collection activities on your account.

 

Your outstanding balance is £602.54.

 

We must remind you again how serious this situation is, as failure to act today could mean:

 

We’ll inform the major credit reference agencies of your default. This will be recorded on your credit history and may affect your ability to get credit in the future.

We may need to take steps to recover the outstanding balance such as passing your account to a debt collection agency.

Helping with debt

 

If you’re struggling with debt and would benefit from some impartial advice, you can contact one of the UK’s free debt advice services including:

 

Step Change Debt Charity on 0800 138 1111

National Debtline on 0808 808 4000

Citizens Advice - visit the website for your local branch

We are here to help, so please call us on 0800 107 8140. We look forward to hearing from you.

 

Kind regards,

 

Customer Care

0800 107 8140

Wonga.com"

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Simply tell them you are awaiting on the fos

The defaults will be removed if you win

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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  • 1 month later...

Hello.

More updates

 

Respond from Adjudicator REGARDING Sunny – success !!! I am happy

 

And below respond from another Adjudicator regarding Satsuma – completely opposite – Rejected and I received as well response from FOS and they agreed with Adjudicator that SASTSUMA did everything right, I destroyed the letter but was exactly the same as from Adjudicator, see attachment.

 

I don’t understand – the same scenario, the same amount of loans, the same debt, the same time and two different decisions.

 

Can I still do something with Satsuma??

satsuma.pdf

SUNNY.pdf

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