Hi, All year long i have been contesting a debt with MoneyBoat, this is in regards to irresponsible lending I feel i have a strong case... however, it has gone to the FOS and the case has not been upheld. The final conclusion was the following... ''But, in saying this, Mr A hasn’t provided this service with any information about his financial position at the time, such as bank statements. And as I’ve mentioned above, Mr A’s credit file doesn’t show anything that ought to have caused MoneyBoat any concerns. So, without any further information, I can only conclude that while MoneyBoat’s checks didn’t go far enough, I can’t say an error has been made as I don’t know whether it would have thought the loan was affordable for Mr A. Therefore, I can’t say MoneyBoat was wrong to have provided Mr A with loan 3.'' The FOS did send me a generic email during the complaint process asking for me to send any more information that could be relevant to the case... I did send more information and comments on the case but i didn't send bank statements. I also replied to the FOS email asking them if bank statements would be needed or if would they make a significant difference to the case because my statements are sensitive and contain personal information.. Admittedly, i have had serious gambling problems and i did not want to send them if at all avoidable. I did not receive a reply to this email so i did not send bank statements. The assumption from the FOS was that the checks didn't go far enough but they can't prove it without my bank statements They didn't really give me a fair chance to prove it, the lack of response & lacklustre response times played a part, i'm sure COVID played a part and the level of cases for payday loans is high. The FOS will now not look at my case again full stop, despite me pleading for them to do so and asking for a manager to look at it. Moving on, Moneyboat now realise this and have gone full speed ahead, hounding me for money via email I have received a genione county claim form today and i am somewhat surprised they are prepared to do this but i also think they may be trying to scare me, it seems common at the moment from this company, judging on the internet. Also, Considering they have all of my information on the case, bank statements, credit records etc, it is as plain as day, they are irresponsible lenders. I need to reply to the court claim and but i have never done it before and could do with some advice on my best way to fight this fiercely ? Does anyone have any advice on how to start my defence?