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About skyblue2027

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  1. thanks for the kind comments, appreciate it. I will update any news i have
  2. update on uncle buck. now logged to FOS. will keep minimum payments at this stage.
  3. Wouldn't say i'm an expert but i'm certainly learning on the job. thats 3/4 of the companies ive not logged to FOS. just waiting on responses. But, more than happy to update my progress and chip in and help absolutely. would love to get some good results out of this and give something back to this wonderful site.
  4. 3/4 of 4 responses now in. acknowledged i had other accounts open but no judgements. there were defaults at the time: You believe Uncle Buck did not perform the correct affordability checks prior to approving your loan applications. Our Investigation and outcomes You made your first application on xx January 2016, for an amount of £100.00, to be repaid over three monthly instalments of £52.93. Your application went through a credit check performed by the credit reference agency Call Credit, which confirmed the monthly income you provided of £1 290.00, was accurate. You were also
  5. excellent thanks for explaining. so sit tight and wait and see if this letter arrives
  6. hi fkofilee, ive sent off FOS complaints for satsuma and lending stream. not told either. im maintaining my £1 to satsuma whilst this is being looked into. given lending streams poor response, im expecting them to chase me for money as the payment plan is due to increase to £29 this month. do i keep paying them £1 a month token payment or email them to put the account on hold? they have not even acknowledged the complaint for the loan that is outstanding, der!!!
  7. thanks for your reply. is that a letter they send when you dont pay?
  8. Hello, I have received a parking charge notice from Local Parking Security. now i was going to pay it but was told by a work colleague this may not be enforceable. what are your thoughts please? For a windscreen ticket (Notice To Driver) please answer the following questions.... 1 The date of infringement? 30/05/2018 2 Have you yet appealed to the parking company yet? [Y/N?] NO If you haven't appealed yet - ,......... have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] what date is on it Did the NTK provide ph
  9. quick question, as per Satsuma. i still owe them money. do i inform i am logging complaint to FOS and to keep paying my token payment of £1?
  10. Thanks DX. Will get to FOS now. thats 2/4 gone straight to FOS. think it willl be same for all
  11. do i go back to them advising they have not inestigated properly or as they are quoting a final response go straight to FOS?
  12. right. i have a reply from Lending Stream. Its poor to say the least. my original letter was complaining about 8 loans between 2013-16. They have sent the following: Dear This is in reference to your correspondence dated 15th April 2018 about a complaint questioning the affordability of certain loans taken out with Lending Stream. We have reviewed your accounts and would like to share our findings. Before doing so, we would like to highlight that Lending Stream conducts rigorous affordability assessments for all its customers on each and every loan application. Furthermore,
  13. Nearly 7 weeks have passed and only one reply which ive sent to FOS. Is it normal for these PDL companies to reply last minute or not at all?
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