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mystirio

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Everything posted by mystirio

  1. once again you are a star dx thank you for your help
  2. befre I send it for your approval Name Address e mail address Provi address Reference/Account number list them. Date Complaint about irresponsible lending Dear Sir/Madam Between the 11th of December 2008 and the 28th of may 2010 you allowed me to take out numerous loans with your company sometimes 2 at a time sometimes rolling many loans into A single new loan when it was evident that I could not afford them. Not once did your doorstop agent ask to see my financial details, or to the best of my knowledge carry out any affordability checks. I wish you to investigate this serious complaint before I submit my evidence to the Financial Ombudsman Service. I have already sort advice from the Financial Ombudsman Service regarding this and I believe that you have 56days (8 weeks) to respond to my claim. Should you fail to respond to my claim within this time period or fail to satisfactorily resolve my complaint I will submit my claim to the Financial Ombudsman Service without further notice to yourselves. Thank you
  3. this one i did although it is my first time at it Name Address e mail address Reference/Account number Date Complaint about irresponsible lending Dear Sir/Madam I am writing to you regarding the loans I took out between 11/12/2008 and 28/05/2010 for which I have the necessary Documents which I obtained under SAR. As you are in possession of these Documents as well there is no need for me to supply you with copies. If however you cannot find these documents I am more than willing to supply you with a copy. According to your Documents you have rolled my loans over on a number of occasions and also you have supplied me with loan after loan when it was clearly obvious from your documents that I was not financially able to pay the existing loan, you should have realised that when you made a credit check on my file on every application you would have also realised that I was in default on other loans this you did not take into consideration when you supplied me with a loan. Furthermore your agent did not at any time ask about my financial position nor was any questions asked about my income and expenditure at any time. You should have not have given me these unaffordable loans therefore I would ask you to refund the interest charges and any other charges that occurred . The Financial Ombudsman suggest that statutory interest is added to this sort of refund. I only found out that I could make this irresponsible lending complaint in July 2017. I also understand that the Financial Ombudsman will consider all of my loans including those that are over 6 years old.
  4. i have looked at the loans and there is a lot overlaping and clear evidence that i was struggling to pay one off not 2 i am now writing a complaint to provi with my concerns and evidence and will update on reply
  5. i see what you mean now dx regarding the sar dx there is no terms and conditions in any of the files do i ask for them also from provi
  6. your wise recommendation then dx wait until lowlife contacts me and then tell them that it is in dispute????
  7. checked nodle no files for that period available sorry
  8. thanks dx I did think that irresponsible lending was a part of this as they could see that we were struggling to pay other one and did not take into account this just kept giving sweets out regarding credit files do you mean the credit files on noodle for that period thanks again
  9. done at last:mad2: i hope i have merged these correct first time i done it took a long time:| there is a couple of other information il post on after i have some food thanks doc with sar that came with them also please note there is no terms and conditions in any file all sar.pdf
  10. have received the sar from provi took 4 days quick wernt they first point cannot find the agreement number on the agreement also as bazooka said they took payment from this account one week after i received the loan will post later on sorry about the confusion dx said about the fourteen day ruling I stand corrected
  11. The Defendant contends that the particulars of the claim are vague and generic in nature.The Defendant accordingly sets out its case below and relies on CPR r. 16.5 (3)in relation to any particulars allegation to which a specific response has not been made 1. It is accepted that a relationship did once exist between I the Defendant and Orange however, I cannot recall this Contract/Account and the Claimant has yet to provided me with a copy of the Contract/Account mentioned in particulars of the Claim by way of a CPR 31.14 request dated xxxxxxx . I am also unaware of any Notice of Assignment pursuant to Law and property Act 1925 section 136(1) allegedly served over 4 years ago. 2. Therefore I deny owing any money to the Claimant and the Claimant is put to strict proof. Show how the Defendant has entered into a Contract/Account with Orange. Show how the Claimant reached the amount claimed . Show how the Claimant has legal right,either under statue or equity to issue a claim. 3.As per Civil Procedure Rule 16.5(4) it is expected that the claimant prove the allegation that the money owed ,having been provided with a written request for information under CPR 31.14 and to date have failed to provided Myself with any such documentation as detailed in particulars of the Claim. 4. On the alternative , if the Claimant is an assignee of a debt,it is denied that the claimant has the right to lay a claim due to contraventions of Section 136 of the Law and property Act 1925. 5. Notwithstanding the above should the alleged amount claimed include an early termination charge (s) amounting to the entire balance of the remaining contract OFCOM guidance states that an Early Termination Charge that is made up of the entire balance of the remaining Contract is unlikely to be fair as it fails to take into account the fact that the provider no longer has to provide and pay for their service.The court will be aware that these charge types and the recoverability thereof have been judicially declared to be susceptible to assessments of fairness under the Unfair Terms in Consumer Contracts Regulations 1999 6. By reason of the facts and matters set above, it is denied that the claimant is entitled to the relief claimed or any relief.
  12. thanks dx strange asking me for an offer of payment if it was me and sure of my facts i wouldnt even ask for an offer can you delete that attachment and il post another one up thanks
  13. letter from lowlife today regarding hearing as follows lowlife1 001 - Copy.pdf
  14. no reply to my cpr from cappys solicitors shall i wait or send another one reminding them of their obligation ??
  15. bbarclays or orange did not ask for any id so i follow suit:oops:
  16. letter back from provident regarding sar need to send 2 forms of id told them my address and previous address and account number still need id are they right in this
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