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. #21
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Jul 2018

    Posts
    17

    Default Re: Payday Loans - Irresponsible Lending Help

    Hello all,

    Over the last few weeks i've been scrutinising and gathering information on loans and gambling spending.

    I've written a provisional letter to QuickQuick using the letter template on the irresponsible lending guide.

    I've put a lot of time and effort to put forward a strong claim.
    I just wondered if anybody would be willing to have a read of it to see if there is anything I should add/remove.

    I need to get this one right because i'll be using this as a guide letter for all my other creditor complaint letters.
    It would be hugely appreciated!

    Also on the letter template it says:

    "the FCA took over regulation of the credit market from April 2014 and then imposed caps on all high-cost short-term credit (HCSTC) in 2015. I am aware that this only applies to Payday, Instalment and Rolling Credit Loans."

    Does irresponsible lending apply prior to this?
    As i'm going back to 2012/2013 so wondered if I have any claim at all with this template.

    Many thanks


  2. #22

    Default Re: Payday Loans - Irresponsible Lending Help

    yes it applies to anything now even credit cards

    don't make your letter to long!!

    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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