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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    nicurro Novitiate



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    Default Door step lenders

    Hi all,

    Please forgive me if this post is in the wrong place:

    Having used a number of doorstep loan companies over the past 10 - 15 years mainly KDS Finance & Provident Personal Credit to name a few I wondered if they had been fair with both myself & my partner.

    The first question I have is if I took out a new loan that re-payed an existing loan should I/we have received any interest back due to paying the first loan off early?

    My 2nd question is at the time I thought that they were helping us out by offering the loans to us as they never checked our finances correctly for affordability they just picked figures out of the air to ensure that the loan would be approved.
    We inevitably ended up with more debt than we could afford and had numerous occasions of ignoring the collector when they knocked or arguing with them as they were very angry that we could not pay the full amounts on the loan agreements and we would end up arguing with them when they came to collect.

    I remember one company though there name evades me who did start to send a repayment of interest to us when we renewed a loan early though the amounts were very small in comparison to the amounts that were being payed off.

    I am now thankfully free from all of these lenders but I would love to be able to submit a claim for unfair treatment along with a claim for interest refunds etc.

    Does / has anyone had any experiences of this nature and have there been any successful claims made against the companies involved?

    Thanks

    Nic


  2. #2
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    Default Re: Door step lenders

    They are subject to the same lending scrutiny as PDL and in some cases are included in HCSTC
    We have a IRR Lending guide here on the forum that may help you.


  3. #3
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    Default Re: Door step lenders

    go hit everyone of them with an IRL complaint

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  4. #4
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    nicurro Novitiate



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    Default Re: Door step lenders

    Thanks for the replies but not sure what all abbreviations mean, any chance of another explanation to my questions?

    Nic


  5. #5
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    Default Re: Door step lenders

    click the mauve PDL [payday loanicon] reclaim guide in post 2

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
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    my views are my own...seek legal advice if necessary
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  6. #6
    Basic Account Holder
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    You'll regret it if you don't.
    nicurro Novitiate



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    Default Re: Door step lenders

    Hi,
    Having looked through the PDL guide I now have another few question:

    Non of these loans are on my credit report , will the Companies involved still have the details of each loan I / We have had from them ?
    and
    If the Companies have no records is that the end of my reclaim chance?

    How do I proceed from here?

    Nic


  7. #7
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    Default Re: Door step lenders

    yes they must hold details for alteast 6yrs

    either you elongate the IRL process to get all the data by an SARicon to each lender
    or
    you send off an IRL complain to each one, and let them work it out for you.

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
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