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  1. https://www.consumeractiongroup.co.uk/topic/408616-trying-to-reclaim-ppi-but-paragon-says-no/?tab=comments#comment-4978454 same boat mate, paragon say no and not regulated Paragon informed me that the PPI was done by warranty Holdings Ltd, guess what, now dissolved
  2. I had a personal loan from 1999 which had PPI on it. I didn't request PPI but the box on the CCA had a pre-printed tick in it. On challenging the PPI, Paragon claim the loan wasn't dependent on PPI and that they weren't regulated at the time so I have no claim against them. The FOS haven't been much help. I've read a thread by user justice4me from 2012 where they managed to successfully make a PPI claim in much the same situation. Does anyone have any information regarding what is needed to successfully make a PPI claim against Paragon? Cheers, OMWO
  3. This is a thread to contain my payday loans, my original one is here: HERE Here is a list of the payday loans i taken out from 2011-2014 (ish) The last contact i made with them was December 2017 as instructed by Redbridge Finance a company who was "supposidly" going to help me claim compensation from them. Wonga Quickquid Payday express Mr lender Myjar The money shop The cheque centre To name but a few, there are probably more but it really hurts my head when i try and think back. I am not being chased for any of the above debts at the moment, and
  4. Me again, So out of the blue SLL Capital have put a default on my credit file for a Mr Lender Loan from 2016 that i never repaid. Can they do that? The Mr Lender loan isn't on my credit file before this I will of course do a irresponsible lending complaint to Mr Lender, is it worth sending a prove it that i owe this debt to SLL Capital?
  5. 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
  6. After submitting income and expenditure form, I have a lender asking for 2 months bank statements "to validate the information on the income and expenditure form" "We would require this information in order to agree a potential reduced repayment plan." Am I under any obligation to provide this?
  7. Hi all. I had a loan with Mr Lender. I emailed today regarding a claim for irresponsible lending as I have issues with problem gambling. I have stopped gambling and taking it one day at a time. I had a reply within the hour. They said they carried out proper checks and I had no defaults or problems in the last three years. I already had two loans open with sunny and one with money boat. My credit card was over its limit and I was overdrawn. They stated that the installments that are due are never over 12 per cent of disposable income. But the next se
  8. Hello This is my first post here so I've tried not to witter on, but it's complicated. The situation is that I was evicted from my home last year when I couldn’t remortgage it after the interest-only mortgage expired. The circumstances don’t matter, I have no quarrel with that. My query relates to what came after. I had managed to dispose of a lot of stuff I didn’t want, but there was still a lot of stuff I did want, left in the property. I’m past retirement age, live alone, and am severely disabled: I cannot legally walk, I have severe spinal problems and a max awa
  9. Dont want to reopen a can of worms but we do have an interesting twist on the lender not signing the agreement which is going to court in December.
  10. Hello I received a citation for an old credit card debt and was wondering if any one knew how to get the date extended so I have time to make up a defence if this is possible? I'm in Scotland Many thanks Tom
  11. http://www.crowdfundinsider.com/2016/01/80598-trustbuddy-bankruptcy-lenders-to-pay-25-on-recovered-claims/ I am a lender with TB. My money is invested in Finland. I have received several letters from the Swedish administrators. The latest appears to offer an agreement to buy the loans from a debt collection agency. I can't understand most of what they are saying because some of the docs are in Norwegian. I have tried writing to the administrators, but have not received any response to date. Anyone else in a similar position? Not sure what my options are....
  12. Dear all I would be very grateful for any help with my situation. I had a SPO following mortgage arrears (£3600) in 2008. Since then I have been making my contractual payments but had missed payments on three occasions from unexpected expenses resulting from direct debits being returned unpaid. I was in a particularly bad financial condition in the last 6 months following an elderly family member falling unwell while abroad. The mortgage arrears accrued to £3400 again and the mortgage company ( a subprime lender) has now applied to the court for a warrant for possession.
  13. PDL company admitted fault in final response offered compensation which was accepted and a date by which it would be paid was agreed. That date has come and gone and the PDL company now say they are to busy with claims to pay up and don't know when they will pay the money. Is the agreement you already have with them as legally binding as it would be had they been directed to pay by the Ombudsman. It seems this is the latest from CFO lending and there are multiple reports of them doing this.
  14. Afternoon all, I'll get straight to the point... one of the payday 'giants' has been unfairly processing my data for the last 3 years now and are unwilling to change their position. Hence, I am considering taking them to court. Here's what happened: - Payday loan taken out in 2013 - Couldn't afford it (like most), half of the sum due was taken out of my bank account, leaving the other half due - Been down the irresponsible lending and unaffordable complaint routes, both failed with FOS - The lender has never bothered to default the account, it is still in limbo today
  15. Hi all, Hoping somebody may be able to shed some light on my question.. I have a judgment against an individual. I have come to realise his name is misspelt on the judgment. Have been advised by the court to make a formal application to correct this using an N244 form 'Notice Application'. My question really is regarding what court fee I am supposed to pay. Ive read the official fee guide but it doesn't make it very clear regarding this type of application. Any thoughts? Ive already emailed the courts to ask but thought somebody may have the answer
  16. Hi I recently allowed our home to be repossessed. The mortgage company got a valuation done before marketing the house but I was wondering is how many should the lender get. Many thanks
  17. Warning to LIP’s and Homeowners: I am not surprised that this country has been taken for a merry go round ride that has lasted for 25 years. It has cost this nation its ‘financial status’ and classified into history as ‘Broken Britain’ by the very Politicians and the legal system put in place by them. The citizens of this country now held to ransom by the same ‘financial criminals ‘who threaten to take their business elsewhere, should suffer the same pain they have inflicted on the masses, be‘charged’ as those petty criminals are charged and hounded. The country fraudulently has been mi
  18. Hi All Just after a bit more advice.. It has just come to me that a couple of years ago, one of my PDLs sent me court papers. It was one I had been rolling, rolling for ages then payment plan which I could not keep to. I ended up settling by paying the full balance including court costs interest fees etc because the court papers freaked me out at the time. Can I still take this lot to the FOS or make a complaint based on irresponsible lending like my other loans?
  19. I had a payday loan about 4.5 years ago when I was in a bit of a rut and didnt end up paying it back. The past few months they have bombarded me with emails to pay it back, around 61 emails to be precise - I have emailed them 3 times advising they are no longer to send me emails but they continue to do so and even replied to my email saying they will email for as long as the money is owed. I am sure I read somewhere that if you request a stop to call or any emails they have to by law comply - Is this right? I have even put them on notice that should they continue to send emails
  20. Citizen's Advice believe that the majority of payday loans could be complained about; their in depth analysis of 665 payday loan cases, reported to its consumer service between 1 January and 30 June 2013, finds that at least 76% could have grounds for an official complaint to the Financial Ombudsman including: 1 in 5 were possible cases of fraud – where a person was chased for a loan they hadn’t taken out. More than a third involved issues with continuous payment authorities including money that was not authorised to be taken. 12% involved harassment whereby lenders pester people with
  21. Hiya, apologies if I've posted this in the wrong area, but I've got to say thanks for all your help in trying to sort out my mess. I've a new question, I've a CCJ, which involved a Natwest bank lodging a claim for an amount against my house with the Land Registry. I intend selling my house, when the Bank takes the charge from what's left after paying back the mortgage, there won't be much left. Is it possible to negotiate with the Bank at this stage to try and reduce the claim against my property? Many thanks.
  22. Paragon_CCA.pdfHi, Was wondering if anyone could take a look at the attached CCA to see if it is legal, I've had this loan for three years now and it's crippling me... Paragon_CCA.pdf Any help greatly appreciated. Best. Eoghan Paragon_TsandCs.pdf
  23. i have taken out numerous loans from sunny over the past 2 years. in total borrowed £2700 in lots of seperate loans and paid back £3800 all together . They are now still chasing me for £600 . Over the last couple of months i had a £25 payment plan set up with them and paid them last month they said i hadnt paid when i had and i had to send them bank statements etc to prove i had . i then missed a payment waitng for them to sort it out and they then sent me a default notice served under section 87(1) of the consumer credit act 1974 for £600 to be paid i
  24. Hello all I'm self employed, and got into difficulty last December with my mortgage (due to ill health which effected my eyesight) Won't pretend I didn't do a bit of burying my head in the sand also!! The last few weeks, I've been able to get back to work full time, and now have the money to pay my mortgage arrears in full, and can keep up to date in the future. However, my lender wont accept payment from me until they hear from their head office, and charges are being added daily. Also the repossession hearing is next monday, and I'm out of my mind with worry. What,
  25. Hi All, My property has been handed to an LPA reciever and I am a bit confused as I keep getting conflicting information from the lender and the reciever. They 'took it' last Wed. I still haven't had a written notice from either receiver or lender. The first I knew, I was contacted by my tenant who said someone had been round. The lender said that I had to pay all arears (£725) and 3 months in advance (£645) and fees (£1200) and ALL the charges ever placed on the mortgage (£3k+). They also kindly gave me 5 days to do so or the fees were going up another £800. They origi
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