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    • Hi all,  just wondering if i could get some help. me and my ex wife decided to get a loan back in 2017....i was continuing paying it but she didn't even though she promised me she would pay it as i agreed to it... and we split up in 2018, i was sectioned under mental health due to her behaviour.  short story... i came out 6 months later and she did not pay anything, my inbox was full, my phone with voicemails. i was not expecting this..... this loan was for £2000,    i tried to call her obviously she changed her phone number and email address, 2020 still not heard anything from her.... sent her letters she choose to ignore it.....   so i thought i come on here.... see you can make a complaint about responsible lending credit search.... behold just got a reply from progressive money....   i've also complained to amigo loans.... that is again she didn't pay anything... checked credit karma £11,876 on £7000 loans... hopefully something comes out of this....  - Summary Resolution Letter .pdf
    • Sorry it was 1250l before shielding he 
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    • Do as above, and we can find out if it's an enforceable agreement, often it isn't from Lowell.   But from another point of view, as long as they have your current address, why pay them if you only have £30 at the end of each month? It's not visible on your credit file, so won't affect your credit score in any way. This is in no way a priority debt.    
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Hi , I defaulted on my loan with these guys ,long story cut short

 

i sent lots of emails to them and got the response I need to call their office to arrange repayment , kept on emailing them and kept getting the same answer .

 

I offered them £20 a month on a loan of £150 , they will not comunicate by email so I pointed out that in the terms and conditions it says that they can contact me and vice versa by telephone / post or email , so I am not in the wrong here . I also asked them where in the terms does it state that alternate payment arrangements must be made by callling their office

 

I then get another email below

 

" Can I make you aware that you are currently in breach of your Credit Agreement and therefore reference to this agreement is technically irrelevant, however the particular part that you are referring to merely confirms that by signing the agreement, you allow us to contact you via email hence the ongoing conversations we are having now.

 

I can confirm that there is no part throughout the Credit Agreement that states you will have to call us to arrange an alternative repayment plan as we assume that by signing this Credit Agreement that you will, of course adhere to its terms & conditions.

 

I can confirm that should you wish to discuss repayment options which are alternative to the Credit Agreement that you signed, you will have to call our office.

 

Unfortunately we will no longer discuss this matter with you via email as we feel you have been advised sufficiently with the course of action you need to take in regards to repayment of this loan."

 

they have already had more than the original loan back in roll over fees

has anyone else had this issue where they wont agree a repayment plan via email , talking to me on thephone wont change the fact that I can only give them £20 a month at present

 

cheers

 

Jfk

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You have made more than a reasonable attempt at making a repayment plan, I can't see what their problem is apart from attempting to make things difficult (keep all your emails). Drop an email to the OFT.


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cant believe this line.

 

" Can I make you aware that you are currently in breach of your Credit Agreement and therefore reference to this agreement is technically irrelevant.

 

does that also mean the sections about them adding charges and fees to your account, and their legal rights to pursue the debt are also irrelevant.

 

worth asking them (by email of course)

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