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 Irresponsible Lending Claim due to 7 PDL company loans over gambling

    Hello all, really hoping for some advice on my story, will try keep it short as much as possible!

    i am going to be brutally honest i developed a gambling addiction about 6 yearsicon ago, what started out as fun soon became addictive.

    one loan turned into another and then payday loansicon started which were so easy to get ( i know there is responsibility on my side but if you have never been inside a gamblers mind it doesnt work the same way as a normal person when it comes to finding the next " loan " )

    i am now taking steps to recover from this as all my family knows
    in the meantime i wonder if i can claim for irresponsible lending against the below firms due to the fact i had several defaults on my file,

    one as recent as 2018 and multiple accounts showing in arrears/defaulted from 5 years ago, multiple search history on my file which shows how desperate i was to get credit all showing at the time they credit checked me when i applied for a loan with them

    Mr Lender - 18th Feb 200 - with interest 311
    Wonga - 28th Feb - 200 - With interest 234
    Myjar - 31st March - 100 - With Interest 150
    Cash4unow -10th April - 200 - With Interest 295
    Loans2go - 13th April - 200 - with Interest 1019 (took out for longer term)
    Oakam - 17th April - 150 - With Interest 311
    Peachy - 19th April - 100 initially then allowed me to top up with an extra 200 on the same day - With Interest 556

    i would like to state that Peachy havent done a credit check, spoke to them this morning and they say they do credit checks, i checked my file on noddle for the 19th and there is no footprint from them on that date under Peachy or cash on go ltd (funny enough in my accounts its registered i have an active loan with them)

    with all the defaults and accounts in arrears and my credit rating being 1 out of 5 (its at the lowest end of available credit score) surely all this should have alarmed them to consider not giving me the loan and it should have showed i couldnt afford to repay anything.

    how can they call themselves responsible lenders? surely the defaults themselves should have caused them to say " this person cant pay loans back that are over 5 years old "

    any thoughts how i should progress with this?

    i have sent email off to them all lodging a complaint not using any templates as i wanted to write it myself as i dont feel a template really fitted the point im trying to get across to them.

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  2. #2

    Default Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

    we have a guide use that

    https://www.consumeractiongroup.co.u...iewing)-nbspan IRL complaint to everyone of them

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  3. #3

    Default Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

    Welcome to CAGicon - hamilton20010

    DX is right - We have a guide that goes End 2 End - From establishing your claim to referring to the fosicon.
    Any questions - Please do let us know.


  4. #4
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    Default Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

    thank you both


  5. #5
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    Default Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

    Quote Originally Posted by fkofilee View Post
    Welcome to CAGicon - hamilton20010

    DX is right - We have a guide that goes End 2 End - From establishing your claim to referring to the fosicon.
    Any questions - Please do let us know.
    Where are the templates letters at please? i bet i have clearly missed them in an obvious place!


  6. #6

    Default Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

    Bottom of the guide


  7. #7
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    Default Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

    Yeah got them, damn wish i used these now instead of writing my own emails!!


  8. #8

    Default Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

    letters not email - 1st class
    get free proof of posting from the PO counter too if you can

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
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  9. #9
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    Default Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

    how do i uploadicon attachments or pictures?

    got a letter from one of my creditors i need advice on


  10. #10

    Default Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

    Quote Originally Posted by hamilton20010 View Post
    how do i uploadicon attachments or pictures?

    got a letter from one of my creditors i need advice on
    PDFicon it or use officelens to scan the document
    And you can then attach it to your post


  11. #11
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    Default Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

    how do i black out the text as its in adobe reader dc and it doesnt let you


  12. #12
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    Default Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

    right attached

    well the creditor is Mr Lender, i filed an irresponsible lending claim because of my gambling addiction and the fact i had several defaults on my file at the time i applied and lots of accounts on file already in arrears.

    one thing i find interesting is that they have lied about what i put down for " other outgoings " i would never put a random number in like 168 i always round things to the nearest 10 or 100 or whatever so i dont know where they got 168 from, the only thing they asked to verify with me at the time was payslips

    they say my credit score was 549 at the time of loan, on noddle its 1 out of 5 447 score and thats rated very poor so if it was 549 it still would be poor.

    They say they responsibly lent and checked my credit file even though its littered with defaults from accounts that have not been paid.

    im wondering whether to accept this offer or take it further? hold out to see if a month or so down the line they will keep reducing the balance

    thanks for any advice


  13. #13

    Default Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

    always push further

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  14. #14
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    Default Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

    Quote Originally Posted by dx100uk View Post
    always push further
    would there be a specific template i should send back?

    also some of my debts got back over 3 or 4 years where i complained to get the interest and charges back and they declined but i didnt take it further so i dont know if i should complain to them again using templates from this site?


  15. #15

    Default Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

    No

    YES

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  16. #16

    Default Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

    I think the PDFicon in post #12 has your name in the name of the document. It would be a good idea to change that.

    HB

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  17. #17
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    Default Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

    Quote Originally Posted by honeybee13 View Post
    I think the PDFicon in post #12 has your name in the name of the document. It would be a good idea to change that.

    HB
    does it? i cant see it

    i did blank out my name and address at the top


  18. #18

    Default Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

    Ive unapproved the attachment for you... Rename it on your PC to something random and reupload it

    That way you dont reveal your name to the world


  19. #19
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    Default Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

    Quote Originally Posted by fkofilee View Post
    Ive ditched the attachment for you... Rename it on your PC to something random and reupload it

    That way you dont reveal your name to the world
    doh silly me, thanks for getting rid of it!!


  20. #20
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    Default Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

    attachment re-uploaded for mr lender complaint response


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