Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Payday Help? Irresponsible lending/Refund?

    Hi,

    its taken me a while to finally come to terms with and finally admit defeat to the payday loansicon and debt I have aquired over the last few years.

    I have a number of outstanding debts.

    PiggyBank - 592
    Safetynetcredit - 189
    Wageday Advance - 140
    Payday UK - 488
    Satsuma - 64
    Mr Lender and Vivus - Combined at 914 (sold on to MMF so unsure at the moment of the individual debts)
    Natwest overdraft - 2,000

    These were loans taken out from 2015-2016 and I have still not paid them off or made any real dent in what I owe due to very low monthly repayments that have been ongoing for years as I have never been able to afford to pay them back off.

    This being due to an old gambling addiction and one loan was ususally made to pay of another (a lot of loans not up there that have been settled in that time).

    This has obviously led to me having a really bad credit score yet within the last few months after the passing of my brother leading to being in work less = less money and a battle with depression and gambling again I have managed to loan from more lenders.

    MyJar - 179
    24/7 Moneybox - 151
    H & T pawnbrokers - 304
    Lendingstream - 544
    Very catalogue - 399

    I understand it is my own doing in attempting to get more loans but I'm sure (after reading some similar posts here) that these companies are to refuse such applications as my own?

    I thought maybe there was something here for a potential irresonsible lending claim or something familar after having such debts for years or for what they were used for.

    Any help in how I would go about this would be greatly appriciated, thankyou.

    Update: The figures shown are the amount owed not lent.

    And a lot of the debts have been passed on to debt collectorsicon so I do not know how this will effect me, and I am sure that Vivus is no longer operating.


  2. #2
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



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    Default Re: Payday Help? Irresponsible lending/Refund?

    IL complaint to every one of them.

    pers i'd stop all payments too.

    do you still bank with nasty pest...

    if so get your income paid into a parachute accounticon quickly

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  3. #3
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    Default Re: Payday Help? Irresponsible lending/Refund?

    Yes im with natwest,

    How would I go about making a complaint I wouldn't even know where to start .


  4. #4
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    Default Re: Payday Help? Irresponsible lending/Refund?

    get your income out of that NatWest account
    stuff 'em

    as for the PDL's
    https://www.consumeractiongroup.co.u...h-Step-By-Step
    to every one of 'em
    pes id stop ALL payments

    remember a DCAicon is NOT A BAILIFF
    they have
    ZERO LEGAL POWERS

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  5. #5
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    Default Re: Payday Help? Irresponsible lending/Refund?

    If you have any questions about reclaims, please let us know and we can help.
    We can tailor my help if you need it


  6. #6
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    Default Re: Payday Help? Irresponsible lending/Refund?

    Quote Originally Posted by fkofilee View Post
    If you have any questions about reclaims, please let me know and i can help.
    I can tailor my help if you need it
    Hi thankyou for you help, I am struggling to come up with everything I should include in the email. Do I send this to anybody in specific or the companies complaints department?


  7. #7
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    Default Re: Payday Help? Irresponsible lending/Refund?

    you don't ever email anyone
    you WRITE.

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  8. #8
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    Default Re: Payday Help? Irresponsible lending/Refund?

    Quote Originally Posted by dx100uk View Post
    you don't ever email anyone
    you WRITE.
    Hold on DX

    It might be worth doing both - Send an email to the CEO of the group if unhappy & send a letter to their complaints team
    That way you MAKE SURE it doesnt go amiss ^_^


  9. #9
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    Default Re: Payday Help? Irresponsible lending/Refund?

    you need a paper trial.

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  10. #10
    Site Team fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee's Avatar



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    Default Re: Payday Help? Irresponsible lending/Refund?

    Quote Originally Posted by dx100uk View Post
    you need a paper trial.
    Most certainly ��
    Keep a file for each company and reclaim..
    Add emails and letters sent to each file ��


  11. #11
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    mooney994 Novitiate



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    Default Re: Payday Help? Irresponsible lending/Refund?

    Quote Originally Posted by fkofilee View Post
    Most certainly ��
    Keep a file for each company and reclaim..
    Add emails and letters sent to each file ��
    Thanks guys


  12. #12
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    mooney994 Novitiate



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    Default Re: Payday Help? Irresponsible lending/Refund?

    Quick question.

    If the loan has been sold to a debt collectorsicon who am I hoping to receive any kind of reclaim or anything from? and who shall i be sending the letters too between the loan company or debt collectors?

    Thanks.


  13. #13
    Site Team fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee's Avatar



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    Default Re: Payday Help? Irresponsible lending/Refund?

    Loan Company


  14. #14
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    mooney994 Novitiate



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    Default Re: Payday Help? Irresponsible lending/Refund?

    Another quick one, Vivus, one of my old lenders are essentially non operative now with no way of contacting them.
    How would I go about this?

    Also my Very catalogue account/ credit, is there any hope in reclaiming any of this?


  15. #15
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    Default Re: Payday Help? Irresponsible lending/Refund?

    always best to use our search CAGicon box in the top red toolbar 994

    https://www.consumeractiongroup.co.u...00-written-off

    if there were penalty charges on the very account then yes.
    might well be PPIicon too

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  16. #16
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    mooney994 Novitiate



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    Default Re: Payday Help? Irresponsible lending/Refund?

    Thanks for the fast responses guys you're a great help.

    Can/ should I try to reclaim anything back from the loans thats I have managed to fully repay during a simialr time period?


  17. #17
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    Default Re: Payday Help? Irresponsible lending/Refund?

    Yep...


  18. #18
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    Default Re: Payday Help? Irresponsible lending/Refund?

    Hi guys,

    Slight update,

    Savy, h and t and lending stream believe no irresesponsible lending took place so are currently on the way to the Ombudsmanicon.

    However I have received this from Mr Lender and would like a second opinion on whether this is a fair and acceptable offer or I should refer this too.

    Thanks in advance. Here's the email.

    Dear Mr Mooney,

    After reviewing your account, we can confirm you have taken one loan with Mr Lender on the 18 March 2016 for 250.00. We can confirm we have only received payments of 32.00 towards this loan and your account has since been passed to a third party debt collectionicon agency, Motormile Finance, (MMF).

    Since receiving your your complaint, we have been in contact with MMF who have informed us, they have received a total of 10.00 towards your account and your outstanding balance stands at 405.50.

    As a gesture of goodwillicon to resolve your complaint, we are willing to reduce your outstanding balance of 405.50 to 208.00 which can be repaid via an affordable monthly repayment planicon. Upon acceptance of this offer you would only be repaying the capital amount borrowed and therefore no interest would have been charged.

    As a further gesture of goodwillicon, once the outstanding balance has been repaid please inform us and we would be willing to remove any adverse information from your credit file.

    Please note, as a lender this is the maximum we can offer to resolve your complaint as all consumers are required to repay the initial capital amount borrowed.

    This is our Full and finalicon offer in the hope to resolving your complaint and we look forward to hearing from you by the 12 January 2018.


  19. #19
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    Default Re: Payday Help? Irresponsible lending/Refund?

    did you have multiple loans elsewhere and a rubbish credit file at the time of taking the above out?

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  20. #20
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    mooney994 Novitiate



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    Default Re: Payday Help? Irresponsible lending/Refund?

    Yes horrendous credit and at least 5/6 + other loans with other creditors amounting to a couple of thousand owed out.



Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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