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Gambling debt


londonlad82
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Just after a bit of advice.

 

I have had a gambling illness for years and been in and out of debt. I am seeking help now.

 

I took out a loan with a company about 5 years ago and the wages for that loan came straight out of my wages so they wouldn't agree to a payment plan but I made it clear I had a gambling illness, anyway a couple of years after they let me take out another loan. Im just wondering would this be classed as irresponsible lending?

 

To make it clear I know I'm the one who has the problem not them but you may of thought they should of had a flag on their system?

 

I'm not really after a refund on what I have already paid but looking to maybe a reduced payment now.

 

Thanks in advance :-)

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Yes esp if you had other debts and your credit file was shot with defaults

 

See our guide in the pdl forum

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for your reply, I will check out that page if I can find it.

 

Obviously when I applied for loans my head was all over the place so I may of not been 100% honest with them on the application although I'm guessing they should of still refused my application or at least ask me about my gambling illness I emailed them about on my previous loan?

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thanks for your help, it was actually a credit union but im guessing the guide will cover loans from them aswell.

 

One thing im slightly worried about is can they get funny if they believe I have lied on my application? as obviously having a gambling problem you do tend to lie.

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Works for anyone

 

And i would expect a credit union to be strict too!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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