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About hamilton20010

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  1. is it worth it? they do say the ombudsman probablies will make the same decision? its bizarre they say Peachy should have had some concern about lending me the money...well isnt that enough of a concern? the credit card default was feb 2018 and it was then passed to a debt collection agency...they say thats not enough of an alarm to a PDL to not lend!!! they say they can see i defaulted on pdl 4/5 years ago but supposedly Peachy would of taken these into account...well they clearly didnt!!
  2. Hello so i filed an IRL claim to peachy which then went to the ombudsman, i cited my gambling addiction at the time but it seems the adjudicator is siding with all the PDL companies saying they did sufficient checks. it says that they checked my credit file and it shows i was struggling to make payments towards loans i had defaulted 4/5 years ago and that Peachy wouldnt of taken this into account??? any advice on this?
  3. some may be familiar that i filed an IRL claim with payday loan companies due to my gambling addiction, is this worth pursuing with the ombudsman further after their response? even though mr Lender have agreed to waive all interest and fees it looks as though the ombudsman is saying that they didnt have to do thorough checks as it was my first loan with them
  4. UPDATE the ombudsman have seemingly said i have no case bearing in mind all the defaults on my file at the time of applying. should i leave this now?
  5. Yeah thats what im going to do leave it with the FOS they have a copy of that letter, if it wasnt processed to their acceptable standards how did i get it in the first place, lets see.
  6. Hello some may remember my posts before where i have made IRL complaint with several companies as i recover from my gambling addiction, can someone give advice on how to respond to Oakam now? i have attached their response thank you i have referred this to ombudsman but now they are saying " The letter we have sent to you on 6 July 2018 did offer a resolution to your complaint. For clarity, your complaint was upheld. At this time, you have not yet paid back the principle sum you have received so we cannot offer you a refund. However, the interest due on
  7. why do these companies always come back offering the Goodwill gesture of reduced balance if they are adamant they have done nothing wrong!
  8. god i keep forgetting about the personal info, thank you.
  9. i raised a complaint to peachy for IRL (due to my gambling addiction at the time) they left no credit footprint at the time of applying on the 19th April (however they did on the 9th April when i didnt apply there) i admit i lied about my expenditure to fuel my habit not sure how to respond to them here.
  10. yeah i lodged a complaint with fos at weekend so will leave it there, is it worth even replying to the lender or just leave it?
  11. see now im concerned that when they dont know its with FOS if i dont respond they could just forget about the agreement they have proposed and put all the interest back on.....then what if the FOS rejects this and ive got a bigger bill to pay at the end of it!
  12. update, Mr Lender still not accepting responsibility, see below their response. i said they should have taken my defaults into account and that i couldnt service these accounts which is why they still in default since 2013! i have reported this to the FOS, any thoughts on the below? Dear Mr Campbell, Thank you for your email and sorry to learn that you have been dissatisfied with our response to your complaint. We can confirm all credit scores are different depending on the credit reference agency that you are using; the scores shown on your credit file were confirmed with Call
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