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josephine35

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  1. No, she hasn't received a letter. I think this default on her credit file has made her credit rating go down even more. Shall I just threaten George banco with saying I will report them to the ombudsmen for irresponsible lending? I have it in writing that they carried out no credit checks on my daughter and myself, as her guarantor, when they approved the loan. Please tell me what you suggest we do. Thank you.
  2. I'm at work at the moment. Maybe there's a letter when I get home? i will let you know. Thank you again.
  3. Thank you. Hope you are well. My daughter has today received a default on her credit report from Everyday Loans. No letter of claim. Just the default. No default is showing on my credit report so far. Can you please advise of our next step dx100uk? Many thanks Josephine35
  4. On waiting for the LOC, although I realise they might not send one at all. Yes, will definitely come back for advice if they sell the debt on. Thank you.
  5. Ah OK, i guess my daughter and myself will have to hold our nerve for a bit longer. Thanks again.
  6. Hello, I've received this letter in the post. Its headed up, Notice of Arrears. Can anyone please advise me if its a default notice or not? I haven't received a Letter of Claim. Any guidance will be most appreciated, thank you. 20220124132917.pdf
  7. I don't recall being advised to block emails and texts? Yes, we will wait and see what they do next. They have our home addresses to correspond with us.
  8. I wasn't going to complain to FOS about no defaults. I wanted to report banco to FOS for the IRL in the first place and I wasn't happy with their response to us about setting up a payment plan. I think the debt should be written off. Thanks for the advice about blocking, bouncing anf reporting emails. We shall set that up.
  9. No, no default notice has ever been served. They have started up again sending us the usual harassing generic texts and emails asking for the £48.73 per month. I'm going to wait for the letter of claim (if they ever send one, seems they have no idea what they're doing) I don't think we should set up a payment plan due to the irresponsible lending in the first place. Does anyone know where we stand if no letter of claim is received? I feel tempted to go to the financial ombudsman and report them now. Is that a good move at this stage ?
  10. Hi dx100uk , sorry for the late reply. With one thing and another my daughter has just got back to me. After doing her calculations, she said ahe has repaid Banco less than £1,000. She hasn't filled out the income and expenditure sheet she was sent. She has had no contact with banco since they admitted they didn't carry out the proper checks on us and they haven't chased either of us anymore. Please recommend the next stage if there is one? Thank you for your help, as ever.
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