All are with ombudsman, complaints logged with all. One successful with 247 moneybox One being thoroughly investigated after I escalated to ombudsman and this is safety net credit. 2 not upheld as amounts were small, only had two loans at most with the companies. I find it takes an awful long time to go from adjuicator to ombudsman all complaints were filed August last year. Subme trading as in sync credit commenced court action but dropped the claim when I defended

They refused to pay it until I agreed their proposal, upon reflection put me under pressure. Other debts are Water Gas Council tax Payday loans Credit cards And bank overdrafts

I appreciate this however I've got other things in background. I am unemployed now due to capability issues ( employment tribunal in process) My income is £74 per a week. Yes I've agreed to pay £96 per a month but this is on an income of £296. This leaves me £200 For food water gas and electric I am looking for alternative work and seeking support regarding pip due to being finished on capability grounds. I was foolish to agree the £96 per month but felt pressured as they wouldn't pay compensation unless I agreed. I have made a token payment of £5. Plus the dwp recover 11.20 per weeks so I'm left with £124 a fortnight 248 a month I can clear this balance in October when I receive my student loan grant but they won't wait till then I was instructed to by the ombudsman once they reviewed my bank statements and seen the amount of creditors. There a recognised charity for the ombudsman as they dont provide guidance or support.

I have spoken to stepchange who have advised to consider a debt relief order. I have advised 1plus1 loans of this to be told We now have no alternative but to pursue your guarantor for payment of the re-worked loan. Sincerely, The ombudsman judgement clearly says Discuss a new payment plan with Mr h rather than pursuing the guarentor. Don't get me wrong I have agreed to a revised schedule of just under £100 a month, however alongside my other financial commitments it's still a crippler.

They should have asked for the bank statements before lending. If kindly tell them that also I've just had the ombudsman uphold my irresponsible lending on a guarentor loan because bank statements were not checked after credit file was alarming

Feelings It's a weight lifted and my family relations won't become damaged as I genuinely could not afford the repayments the loan crippled me £236 a month 25% of my wages. It was obtained to pay a court claim it was taken to pay other debts Thank you much appreciated Thank you much appreciated They refer to my behaviour I am not irrational however I do suffer with bipolar and can get frustrated quickly especially if an injustice is being committed, reference is made in the decision to my manner

I'll upload it as a pdf tomorrow when I get on laptop. Check admin emails. Of course you can share it as I said previously this is a breakthrough decision and common sense has previalied. If this outcome encourages one other to escalate matters then that's me happy. When I initially called them and advised of financial difficulty they accused me of obtaining the loan by fraud false pretences

It's not published on there yet, latest on website is February. It's important to note this was a battle, adjuicator agreed with business. A provisional decision was done and now a final, the ombudsman took 18 months of bank statements. I have not heard from 1 plus 1 since this decison, they defaulted the loan formally 3 days before it was issued

FOS DEcision...WON FOS Decsion .pdf

Maybe the guarentor needs to raise their own complaint Just a suggestion.

Best advice ever, long process had to appeal but a final decision has today been delivered.

I'm awaiting the ombudsman decision on this matter a provisional decision, the adjudicator backed them up. They have ruined me

CEO is rude and arrogant Fos adjudicator agreed with the business Escalation to the ombudsman has resulted in a 3 month delay and still await the decision. I have posted under another account due to email and password issues

I have emailed the FOS unsure if they will get involved as have not had a final response from the creditor they advise 8 weeks. I have simply encoutered a large vet bill surely these companies have to be prepared for unexpected expense. All the business will say is "it's a guarentor loan you cant pay they pay" The guatentor had also withdrawn their CPA and requested formal communication is forthcoming should the loan fall behind again

Payment was taken off the guarantor on Sep 1st despite me paying £160 of the required £236. I had requested the shortfall was added to the next payment. The business have failed to act sensitively when suffering payment difficulties what and who can I escalate this to? This is unreal it's not like no payment at all was not made. I am livid

Update Apparently I have memory loss and the call is nothing like I state. Subject access request has been submitted for the full audio recording, I've dealt with some corrupt company's but theses cowboys are something else. Kevin is God and he runs the ship

How would you advise I proceed? Looking at posts on here irresponsible lending may be applicable as my credit is in ruin and this loan was used to pay off other debt. I'm so aggrieved one phonecall has resulted in such comments they are responsible for the relationship breaking down

The only way you could pass affordability is if you were to lie about your expenditure. This is probably the reason the word “False pretences” was used. They have followed it up via email as I stated surely you have to allow for emergency expense and the above was their reply. I can't see a way to resolve well it's going to be lengthy 8 weeks complaint then to fos for review. Regarding your other comments, I also explained the process of defaulting on the loan and if you cancel the CPA that you and your guarantor MUST provide an alternate method of repayment. These are your contractual obligations. I also offered you a full settlement figure which would deduct nearly £2000 from your total outstanding debt. I have copied our complaints team into this email chain so they can begin initial investigation into your query and reply in due course. Kindest regards, Kevin The company believe a settlement is the solution at a time I express hardship

Advice needed please Payment due end of month, contacted them yesterday to advise of a £600 unexpected bill this month within 2 minutes into the call I was informed it was a fraudulent application and funds were obtained under false pretence, even though the loan has been active and paid in full for 6 months These comments angered me and the firm are refusing to allow a reduced payment and are adamant they will collect off the guarantor using CPA. Guarantor is fully aware of situation. My question how can they justify such comments and criminal accusations when they are simply contacted regarding a one off large unexpected expense? What can a consumer borrower reasonably expect from a lender regarding a reduced payment when occurring a large one off expense? Surely they have some obligation to review under the consumer credit act?

The car is on finance so when the finance company phoned them to question why a £7000 car was clamped for a £500 debt their reply was we will sell it and refund any overpayment. In fairness to first response finance they were straight on the case to the EA

I agree there is a process. The completion and filing of the form to the court was adequate the court replied later in the afternoon to say a £308 charge needed to be paid, at this time the issue had been resolved. People on here know I am hasty however this is something for people in a similar situation to consider. Fill in the form file with court and cc in the authority and bailiffs

6.30 am - knock at door. Look through window. Evident bailiff. 6.35am - once he was off my front garden went out and spoke to him. Seeking my ex partner from August 2016. 6.45am - provided driving licence from inside house, my car was clamped. 6.50am - my car was now clamped for a fine that had nothing to do with me and not my name on the court warrant. 6.55am - I remained calm and was told on presenting my identification to take my ugly mug back inside 8.30 - phoned authority who's parking services team advised me no discussion until full payment is made I said I am not xxx xxx their response..... your card number is 9.00 - phoned courts to file a complaint advised speak to authority. 9.10-11.30am spoke to Andrew James who refused to speak to me as I was not named on the warrant yet they had my car clamped. Spoke to authority who failed to take action swiftly. 12.30 N16a injunction application filed at court and served on authority and Andrew James 1.10pm the clamp was being removed followed by a grovelling telephone call from the parking services director in the authority. Advice needed for next steps for this unlawful action and claiming lost working hours and damages for public embarrassment

I have emailed the court this in dispair Dear Sirs,* It is with regret that I request the stay is lifted in this matter as the claimant has failed to comply with the consent order.* Despite being given the opportunity directly from Experian between 24th March and 27th March to manually adjust the credit reporting they have failed to do so. This is an evident breach of principle 4 of the Data Protection Act. Despite confirming to Experian that the defaulted account is settled with a zero balance this still reports a defaulted amount of £1694.00 This account was subject to litigation and as per the consent order is settled in its entirety. They have further stated my current balance is £147.44 yet they report an outstanding amount of £520.00 with late payments.* It's been bad enough tolerating this damage for the 18 month period of litigation. I would respectfully request that the judge orders the information to be amended and reflected correctly without the need for a further hearing to save as to costs in a matter which has already caused significant expense. Regards Any other suggestions guys I need this sorted swiftly???

Help where can I go they are failing to update my credit file despite this being one of the terms in consent order Dear*Mr xxxx Ref:*xxxxxxx Thank you for your contact received on 24 March 2017 I'm writing in relation to your recent queries with: *Welsh Water Dwr Cymru Ltd (Account Started 01/03/2006) They have further stated that you have paid xxxx and the manager has agreed to write off the remaining balance, once this is done the default will show as satisfied going forward. They've confirmed that this information is accurate, so I'm afraid I can't make any changes to it. I understand that this may not be the outcome you were hoping for. If you'd like to discuss their decision, you should contact them directly. Their contact details are: Welsh Water Dwr Cymru, Customer Services, Linea, Fortran Rd, St Mellons, Cardiff, CF3 0LT Don't worry, if they send us any further instructions regarding this matter, we will do as they ask. Our standard dispute statement will be removed from this information shortly. If you'd still like there to be a dispute statement on this information, I can add the following: "The consumer has disputed the accuracy of this entry. Given that this data is disputed, please take care if making an assessment of any kind that may include this data." Please let me know if you'd like this statement to be added to your report, where it will stay until you ask us to remove it. Alternatively, you can add your own statement to this information. We call this a 'Notice of Correction'. If you'd prefer to add one of these, please let us know, in writing, the exact wording that you'd like to use. Please note that we can't add a statement that is longer than 200 words or one we think is defamatory, frivolous, scandalous or unsuitable for publication for some other reason.* I'm writing in relation to your recent query with: *Welsh Water Dwr Cymru*Ltd (Account Started 01/03/2006) They have further stated that the balance on the account balance is £147.44 to date, this will update on the next monthly batch run. I understand that this may not be the outcome you were hoping for. If you'd like to discuss their decision, you should contact them directly. Their contact details are: Welsh Water Dwr Cymru, Customer Services, Linea, Fortran Rd, St Mellons, Cardiff, CF3 0LT Don't worry, if they send us any further instructions regarding this matter, we will do as they ask. Alternatively, you can add your own statement to this information. We call this a 'Notice of Correction'. If you'd prefer to add one of these, please let us know, in writing, the exact wording that you'd like to use. Please note that we can't add a statement that is longer than 200 words or one we think is defamatory, frivolous, scandalous or unsuitable for publication for some other reason.* If you require any further assistance, please do not hesitate to contact us. To get in touch you can email us at [email protected] or visit our website at http://www.experian.co.uk. We always welcome feedback so that we can improve our service so it would be great if you could complete the Customer Service feedback questionnaire you’ll be receiving shortly by email. Kind Regards, Sachini Madushika Customer Support Centre Experian

Tomlin order signed All resolved Thanks all for your assistance throughout, the hard word had paid off