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 Loans - Irresponsible Lending Help

    Hi all,

    I was posting about CCA Requesticon which led to unearthing my other accounts and I was advised to start another thread in this forum as I may be able to get my PDL wiped under the irresponsible lending rules.

    I have the following to my name:

    EuroCashNet (Quick Quid) £770
    Instant Cash Loans (Month End Money/ Payday UK) £300

    I have been paying towards these on a dmpicon and i'm due to make a payment in the next couple of days.

    Any help would be greatly appreciated.

    Many thanks in advance.


  2. #2

    Default Re: Payday Loans - Irresponsible Lending Help

    Hi Molly - Welcome to CAGicon

    PDL are my favourite thing in the whole wide world. NOT...

    Please tell us more about these loans, how many you have had etc.

    FKO


  3. #3
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    Default Re: Payday Loans - Irresponsible Lending Help

    Thanks FKO

    I'll take a look at that.

    I currently have two as mentioned above. I did have another couple I think but they wiped them years ago.

    Instant Cash Loans (aka Payday uk) £305 - NO DEFAULT - LATE PAYMENT - STARTED PAYMENT ON dmpicon con 23/06/2013
    CashEuroNet (aka Quick Quid) £770 - UNSURE - NOT ON CREDIT FILE - STARTED PAYMENT ON dmpicon con 21/06/2013


  4. #4

    Default Re: Payday Loans - Irresponsible Lending Help

    And why do you think this is irresponsible lending MPolly?


  5. #5
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    Default Re: Payday Loans - Irresponsible Lending Help

    I was borrowing a lot of money in a short space of time and gambled a lot of money!


  6. #6

  7. #7
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    Default Re: Payday Loans - Irresponsible Lending Help

    Thanks, i've actually just gone through it.

    I'm going to compile a list of loans and view statements at the time of being accepted to see if I have a strong enough appeal to raise complaints.


  8. #8

    Default Re: Payday Loans - Irresponsible Lending Help

    gambled a lot of money = perfect reason!!

    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: Payday Loans - Irresponsible Lending Help

    Is this possible to claim against unsecured loans on the same ground?

    I applied and got credit on 10 accounts within 11 months and I have statements which show/prove heavy gambling. These accounts are a mixture of CC, loads & PDL’s.

    Thanks


  10. #10

    Default Re: Payday Loans - Irresponsible Lending Help

    yes all lending

    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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  11. #11
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    Default Re: Payday Loans - Irresponsible Lending Help

    Hi all,
    i'm looking at lodging complaints against all creditors which are outstanding.

    I have compiled a spreadsheet which shows I got loans/credit on 11 different occasions in 11 months.
    I also have compiled old bank statements and also statements from betting sites.

    During June 2010 and April 2013 I gambled heavily and can prove this is where the money went.
    It got so bad that within just 6 months i deposited £222k with just one betting account generating a loss of over £18k. Sickening to know!

    I am unsure of the loan amount with Payday UK above also when Co-op was taken out.
    These figures are approximate.

    I began my dmpicon in May 2013.
    I have gone through the Irresponsible Lending Guide but before I send complaint letters I just wanted to confirm whether or not there is mileage in my complaints?

    Many thanks.

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  12. #12

    Default Re: Payday Loans - Irresponsible Lending Help

    yes 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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  13. #13
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    Follow Real_CAG on Twitter
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    Default Re: Payday Loans - Irresponsible Lending Help

    Quote Originally Posted by dx100uk View Post
    yes everyone of them!!
    Thanks dx. Even the already closed accounts? They wiped the debt shortly after the changes on 2015


  14. #14

    Default Re: Payday Loans - Irresponsible Lending Help

    still doesn't mean they lent responsibly at the time!!

    for the cost of a few stamps..IMHO worth a punt to give the grief!!

    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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  15. #15

    Default Re: Payday Loans - Irresponsible Lending Help

    Did i read that right - £222k?


  16. #16
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    Default Re: Payday Loans - Irresponsible Lending Help

    Quote Originally Posted by fkofilee View Post
    Did i read that right - £222k?
    Yes! I had to ask twice on the online chat to the guy who gave me the info.


  17. #17
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    Default Re: Payday Loans - Irresponsible Lending Help

    Quote Originally Posted by dx100uk View Post
    still doesn't mean they lent responsibly at the time!!

    for the cost of a few stamps..IMHO worth a punt to give the grief!!
    Definately! Have they been known to compensate on this basis then?


  18. #18

    Default Re: Payday Loans - Irresponsible Lending Help

    why not try
    i'm not going to research past successes here for you
    CAGicon is about self help too!!

    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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  19. #19
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    Follow Real_CAG on Twitter
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    Default Re: Payday Loans - Irresponsible Lending Help

    Of course. I wasn't asking you to do any research on my behalf. It was purely to ask if you had come across a similar thing in your experience.


  20. #20

    Default Re: Payday Loans - Irresponsible Lending Help

    You didnt read the guide deep enough... - Few example threads in there....


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