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
    Basic Account Holder mooney994 Novitiate



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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)
    Natwesticon 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
    Basic Account Holder mooney994 Novitiate



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    Default Re: Payday Help? Irresponsible lending/Refund?

    Yes im with Natwesticon,

    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 Natwesticon 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
    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?

    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
    Basic Account Holder mooney994 Novitiate



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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
    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?

    you don't ever email anyone
    you WRITE.

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  8. #8
    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 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
    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?

    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
    Basic Account Holder 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
    Basic Account Holder 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
    Basic Account Holder 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
    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?

    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
    Basic Account Holder 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
    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?

    Yep...



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