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247Moneybox Reclaim + Data Removal


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Hi all,

As I have posted in similar threads I got myself into a real mess with payday loansicon, going back to divorceicon/unemployment in 2009. At its worst, between May 2012 and January 2015 I had nearly 140 loans with over a dozen lenders, in an endless bucket brigade of borrowing from one to repay another. I walked away from the whole toxic lot in January 2015 and am now redressing the situation.

 

Without going into the entire borrowing history, one of the many lenders was 247 Moneybox, from whom I ended up receiving a default for £483 in May 2015.

 

I submitted a formal complaint just under a fortnight ago requesting repayment of interest and charges (£742.26) plus interest (£182.54) plus removal of adverse data.

 

Response received today:

 

"Please take this email as acknowledgement of your complaint. We will now investigate the issues you have raised within the timescales as set out in our complaints procedure below.

 

A little concerned by the calculations you have attached - you seem to have some balances which are not payments or interest on your account. Concerned you may be adding transactions on from another lender. I also note you make no reference to your current outstanding balance of £687.00, towards which you have made no repayments to date.

 

We are aware that there are many forums and templated letters available on the internet to exploit any previous credit commitments under the wholly subjective banner of affordability. To compare our actions with the reported behaviour of other lenders is inappropriate.

 

We are confident that the required assessments were carried out prior to the advance of all loans. We are able to substantiate fully the information on which lending decisions were based.

 

Our relationship was based on responsible lending in addition to responsible borrowing. We provided you with all the facts about our product and the charges and costs involved. We treated you as a rational individual able to make a credible decision as to whether to borrow or not. For our part of the relationship we acted on the information available to us at the time and the prevailing regulations and guidance at the time.

 

We are happy as a gesture of goodwill to resolve today by writing off your current outstanding balance of £687.00. We can also remove all negative information from your credit file."

 

I'm trying to obtain a mortgage at the moment so I'm more inclined to accept the offer and have the data removed asap than to dig my heels in and fight for more money.

247 Moneybox - balance written off, default removed

Cash Genie - bogus default removed

Peachy - interest refunded, default removed

1 Month Loan - interest refunded, data removed

Peachy - balance written off, default removed

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Templates... Well what templates? Oh you mean the ones like in the CAG guide for reclaims about gambling?

Well these business are HCSTC = They deserve it :p

 

Well done on this one - Take it and run all info being removed will do you a load of good :)

 

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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Thanks fkofilee - I've accepted. The second one today!:shock:

247 Moneybox - balance written off, default removed

Cash Genie - bogus default removed

Peachy - interest refunded, default removed

1 Month Loan - interest refunded, data removed

Peachy - balance written off, default removed

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Im looking for some more examples so would you mind telling us in full how bad your situation was, who was lent from and how you are getting on :)

 

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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Hi, I posted this in my Peachy thread a while back.

It isn't even complete...

Overall history.pdf

247 Moneybox - balance written off, default removed

Cash Genie - bogus default removed

Peachy - interest refunded, default removed

1 Month Loan - interest refunded, data removed

Peachy - balance written off, default removed

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Share on other sites

By all means. :-)

247 Moneybox - balance written off, default removed

Cash Genie - bogus default removed

Peachy - interest refunded, default removed

1 Month Loan - interest refunded, data removed

Peachy - balance written off, default removed

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Share on other sites

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