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Everything posted by johealey

  1. That's the words I was looking for I don't hold out much hope as its already been rejected once, however, given the state of my credit file at the time I cannot see how they can get away with winning this one!
  2. Hi, I submitted the above letter as I sadly didn't hear anything on here and had a deadline to hit. The letter has been rejected and they are standing by their decision. I have asked for this to be escalated to the final hearing to see if they agree or whether I get a positive outcome
  3. Amazing thanks, I am not sure what to type as this is the first time I have got to this stage with the FOS, but my letter below is a start and would appreciate any comments/amends to suit: Complaint about MYJAR Limited - Trading as MYJAR Reference Number XXXXX Thank you for your email of the 29th June 2020, the contents of which are noted. I have to say I am somewhat surprised and disappointed by the outcome of this and I would like to explain why.
  4. I did in the original letter, but I am now putting together a response along with a spreadsheet showing all of these and ask for the decision to be reviewed. Would it be ok to put the draft letter on here for advice before sending please? Thanks
  5. In 2017 I had 10 Defaults and 3 CCJs. 2 of the CCJs were paid and settled in July 2017. One falls off in Sept 2020 and the other in March 2021. October 2019 was the first Default to drop off and they have all started to drop off in the last few months, so yes during each loan period all 10 Defaults would have shown on my credit file
  6. it has been some months and the FOS have now come back to me and have denied my complaint! Any advice as to whether this is it or whether I can go back to the FOS would be greatly appreciated, first time I have ever done something like this so any guidance, would be great, thanks Dear XXXX Your complaint about MYJAR Limited trading as MYJAR I’m getting in touch to let you know that I now have an answer for you. This assessment is based on the informati
  7. I have attached the FOS response, where it shows XXXX I have taken out my friend's name. There is currently £200 in interest and charges which she is fighting to get removed from this loan. Cashfloat - FOS Reponse.pdf
  8. Yes, she had an email from them a few days ago. I don't believe she has had any contact with Western Circle, its all be done through the FOS
  9. Firstly, I hope everyone is staying safe during this trying time Back in December 2019 I opened a topic with regards to a friend of mine having issues with Cashfloat - I think the topic has been dormant for so long it has been closed off, however, if you are able to add this new topic to the existing one that would be great. to update you, she agreed a payment plan of £10 and went to the FOS on the basis of an IRL claim. Due to the Pandemic the FOS are some months behind, however, she received a response a couple of weeks ago to say that the FOS had w
  10. Amongst all this horrible pandemic, I have some good news Lowell have sent me a copy of the notice to discontinue the court case against me for a CCJ for a debt I apparently owe! They confirm they have filed the same at the Court. So............does that mean they will no longer chase for the debt that they seem to think that I owe (not that I know anything about it!). Thanks
  11. Hi has anyone had any success with getting interest and charges frozen on a credit card from Creation please? I wrote to them back in October asking for a 30 day breathing space, asking to set up a payment plan of £50 per month and I am just going round and round in circles with them. They ignore my requests and just tell me that they cannot set up a payment plan until they see my bank statement. They are continuing to charge interest, late payment fees, and interest on the late payment fees! Then they sent me a letter after a few months to say my payment arrangement had c
  12. So, I have an update I had the usual form for mediation between Christmas & New Year, tried god knows how many times to get through and just couldn't, recorded message just kept telling me to try again! Sent them an email on the 27th Jan advising that I was out of the country until the 8th Feb (got their automated 10 day reply email - still waiting for a response), when I returned from holiday I had a letter from them to say they couldn't arrange mediation as they couldn't get hold of me - perhaps they should answer their phones or read their emails...... just sayi
  13. Case now closed, Default fell off CRA and I have received a letter from Lowell to say that they can no longer pursue the debt due to it being Statute Barred
  14. Thanks and sorry for the delay in responding! QQ - before I go to the FOS, do I just send them a covering letter and attach all correspondence so that they can review the case? I have another one to do for another PDL company so just want to ensure I am following the correct process
  15. I queried this with them where they have contradicted themselves, went back and said i want all charges and interested refunded, but they are standing by their decision - off to the FOS I go I assume I need to keep up the repayment plan whilst the FOS investigate and any monies due to me will get refunded, if any?
  16. Hi - I have now received the following back from MyJar: We have investigated the circumstances surrounding the complaint that you raised with us on 05 November 2019 and hope that this response resolves the issue to your satisfaction. We are sorry that you have felt it necessary to complain and thank you for taking the time to share your concerns with us. Your Complaint Your complaint relates to the affordability checks we carried out before lending to you. In your complaint, you have told us that the loans we provided to you were unafforda
  17. I have now received the relevant forms "notice of proposed allocation to the small claims track" Form N149A I just have a few questions please: Do you agree to this case being referred to to the small claims mediation services - yes Add contact details - yes Do you agree that the small claims track is the appropriate track for his case - yes Enter local County Court venue - yes Are you asking for the Court's permission to use the written evidence of an expert - do I answer yes or no here please? Witnesses - I assume just myself? Would
  18. Could someone help me on this please - just to see whether its worth trying to pursue - thanks !
  19. Hi - just to update you on this. My friend has now managed to stop the Default by agreeing to a repayment plan of £10 per month whilst she went through the IRL claim. They have this week rejected the claim. The original loan was for £300 taken out in September, they have added £210 in interest and charges since she couldn't make the payment due at the end of October! Can she at least get the interest charges refunded so that it reverts back to the £300 - or is this not possible? Thanks
  20. Hi QQ; I tried the IRL claim in September 2018 and Mr Lender rejected it, I tried again yesterday and they have said they are not willing to re-open the investigation and that they will post a copy of their letter from September 2018. I understand you need to go to the FOS within 6 months if you are not happy with a complaint outcome, however, as this is some 15 months ago that time has passed. My question is; how do I go about re-opening this complaint so that I can now send to the FOS? am I stuck because I didn't do anything about it within the 6 month ti
  21. A number of already existing PD loans that she has an arrangement to pay with and she's taken this one out - as the saying goes robbing peter to pay paul!
  22. Thanks, they have just emailed this to her. IMPORTANT - YOU SHOULD READ THIS CAREFULLY DEFAULT NOTICE under Section 87 (I) of the Consumer Credit Act 1974 This is a Default Notice served under Section 87(1) of the Consumer Credit Act 1974. In breach of clause [3] of the Agreement, reference XXXX, you have failed to pay the monthly instalments which fell due on 31-10-2019 on time and in accordance with the terms of the Agreement. To avoid further action, please pay the arrears to us, which total XXXX by 04-
  23. Hi A friend of mine took out a loan with Cashfloat/Western Circle for £300 in September and was due to make the first payment in October. She didn't make this payment and when I told her about this wonderful site she hit them with an IRL claim - they have already added some £155 in interest and charges to date. She is constantly receiving text messages about making a payment when there is an outstanding complaint against them. She has offered £10 a month and all charges and interest to be frozen but as the letter was sent at the end of October they hav
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