MORE updates, response from Uncle Buck - and they rejected my claim, see below

"

When assessing your loan application we conducted a credit check to assess your creditworthiness. As a high risk lender, even if your credit file contained certain adverse information, we would have still considered your application. In addition to a credit check, we base our decision to lend using data held within our internal risk scorecard.

During our assessment of whether you were able to afford the repayments, we took into account the monthly income and expenditure you supplied on your application. You indicated on your application that you had enough disposable income each month to pay the loan back. The figures you provided did not highlight that you were experiencing financial difficulty at the time.

Uncle Buck believes that in addition to our responsible lending policy, customers ought to employ an element of responsible borrowing. To assess any loan application, we rely in part on the information provided by customers in respect of their income and expenditure.

As there is no independent way to check a customer’s expenditure, we expect customers to provide us with true and accurate information in this regard. I do not find it unreasonable that we relied on figures you provided as part of our lending decision.

We understand our responsibility as a lender is to ensure each loan we approve is affordable and I am of the opinion that the checks performed in respect of your application were both adequate and appropriate. We only approved your loan once we had checked and were satisfied you could afford to repay it.

I have reviewed the credit search from the point of application, this shows you had no defaults in the previous twelve or thirty-six months. There was nothing within your credit searches which would have given us reason to decline your application.

I have reviewed the bank statements we requested, as part of our investigation. These show you would have had sufficient disposable income, if you were not gambling."

I had 9 or 11 loans at this time on my File report but they didnt see anything

I have to complain to FOS, MY third one

not bad, but its not easy, I don’t have any experience regarding FOS so I am interesting how will go with them

I am still waiting for few more but lets see

Hello,

I have more updates:

SafetyNet Credit - 458.00 outstanding - full write off

WageDay advance 387.00 outstanding - agreed 171.00 to pay in 6 instalments

Ferratum - 372.00 outstanding, most write off - 109.20 to pay in instalments

Wonga – received Today response and the THEY rejected my complains asking still to pay all amount – outstanding 657.00, sent already complains to FOS

Satsuma – Complains already with FOS but after 5 weeks still any letters

ok, I will pay but any way now I have more difficult situation so I am paying only a little, last Month In total around £50.00 in small amounts every few days and looks like they are happy

so, in your opinion I shouldnt pay ? still I have 3k so maybe I can try and see what after

I didn’t have choice because it was my debt , I don’t want go to details but it was theft and I knew what I was doing

I should add from May they stopped even calling me, becuase they see that I am paying my debt, I make payment today - 15.11, before 06.11 and 31.10 etc...

Hi there,

I have negative balance with PayPal from April 2017, it was over £15k, now it’s still £3k

For the first few weeks they called me every few days,

every time I answered their calls and always my answer was the same

that I don’t have that amount to repay now and I can only pay what I can,

I was paying every few days something,

sometimes more sometimes less but regularly and still I am doing.

I don’t have access to my PayPal account,

after few Months they locked me

but I am still able to do payments from my Bank account directly to my PayPal account,

each time I have confirmation email regarding my payment,

I never received any letters, reminders etc…

I am not on any payments plan with them,

I am paying what I can afford

How they can cancel??? Do you mean Lettings agency should send letter to the Private parking company asking to cancel it? Sorry – I don’t understand

I have to add, if you see pictures, Permits are only for the first line – 3 parking spaces, the rest I think are not any specific parking places. My husband parked there – on the “second” line like other cars just for short time doing delivery (key, documents)

please see attachments

2 LETTERS - 19.09.2017 plus 26.10.2017.pdf

Many thanks again for help

Summary and updates:

My Jar – outstanding £967.18 , responded quickly in a few days – all write off plus refund £46.04

THL – outstanding £91.00, responded quickly – all write off

Mr Lender – outstanding £628.00, reduced to 382.40, Monthly repayment plan – 19.16/ Month

Satsuma – outstanding two Loans £1,392.00 + £625.62 – received offer to write off interest of 295.00 from the second loan only, which I rejected, Complains now submitted to FOS (TODAY – 31.10.2017)

Sunny – sent Complains on the 06.10.2017 – still awaiting for their response

Uncle Buck - sent Complains on the 06.10.2017 – still awaiting for their response

Money Boat - sent Complains on the 06.10.2017 – still awaiting for their response

Cash4you Now - sent Complains on the 06.10.2017 – still awaiting for their response

Wonga - sent Complains on the 06.10.2017 – still awaiting for their response

WageDay Advance - sent Complains on the 06.10.2017 – still awaiting for their response

Ferratum - sent Complains on the 06.10.2017 – still awaiting for their response

Safety Net Credit - sent Complains on the 06.10.2017 – still awaiting for their response

118118 Money - sent Complains on the 06.10.2017 – still awaiting for their response

Still a lot

OK, please IGNORE my previous post, I submitted already. Thank you.

Do you know the waiting time for their response and decision?

needs to be always second person on the end of this Form???

Hello,

Satsuma/ Provident responded to me today and they rejected my claim, how to complain to Financial Ombudsman? Can Someone let me know please way how to do it, what should I send etc...?

Thnak you

Hello Gonzo27,

What happened with your Claims? I am interested because on the 6th of October I sent as well letters to Wonga and WDA and still anything, where some others responded and sorted very quickly. Tomorrow suppose to be my payment day but first time I won’t pay them

“parking in the parking area reserved for patrons whilst on the premises only” I have this on the letter - not yellow striped no parking markings

PCN was issued on 15.09.2017 and the day of posting of this notice 19.09.2017

picture 1.pdf

picture 2.pdf

ok, I will forward pictures as soon as I can

I will send photos later on

first one 19.09.2017 and again now 26.10.2017

not me, my husband, but yes, not on the permitted places

see attachments

2..pdf

1..pdf

Hello,

I received yesterday by post parking charge from Parking Control Management UK Ltd for “parking in the parking area reserved for patrons whilst on the premises only”

I am working there, and every day at least 2 times / day I am parking there (for few minutes) collecting Key, invoices, bills etc.. – It’s a letting agency and I have to be there at least a few days but my question is:

I did not have ticket ON MY windscreen AND as well they send me picture from CCTV and tickets as well it’s not there.

Can I appeal ?