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Hi,

 

just wondered if anyone could help me with a little guidance.

 

I got in a muddle 3 or 4 years ago with multiple pay day loans. Taking one to pay the other and then due to a drop in wage I had to go to a Debt Management company.

I have been on that for a while and paid off a couple of Debts. (Provident and Lending Stream) and also just been told that my Wonga debt has been cancelled.

I am left with 2 credit card debts(No worries paying them) and 3 old pay day loan debts which I am planning on complaining about as I feel they were really taking advantage of me.(my fault but I feel they really take advantage in an irresponsible manner).

I have no idea how much I originally borrowed or how much I have paid so far so I am planning to send S.A.Rs to

 

Quick Quid - £400.

Lucas Credit services? ( Uncle Buck?) £370

Payday UK - £330

 

So a few questions please………

 

1) Does the fact I have been paying them for 3 years on a DMP hinder my complaint?

 

2) For the Lucas Credit Services - Do I send SARS to them or the original company which could be Uncle Buck?

 

3) When people say original amount borrowed + 1 month. - Is it the last amount I rolled over or initially borrowed amount? So if I borrowed £350 in June 2009 and rolled it over a few times would I take that into account? Or would the maximum I need to pay them be £350 + interest?

 

I will start separate threads when I get the SARS back but just need a little help to get started.

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Answers to 2 of your questions.

 

1: No, making payments shouldn't cause problems for your complaint.

 

2: If the original company was Uncle Buck, then that is where the SAR needs to go as they will have the data from inception, when you first took out the loan.

 

Not sure about number 3 - hopefully someone will have a response for that.

 

Are you in a free DMP or a fee charging one ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi,

 

thankyou for your answers, it is a free DMP.(I am thinking of cancelling it though as I cannot afford it anymore and I don't think they can help if i pay less than £50 per month. I will check with them though)

 

I will get the SARS done.

 

Thanks.

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Some of the free DMPs wont help unless you have more than £50.00 to share between creditors, which is really sad. However, you can do this yourself with CAG's help :)

 

What you will need from the DMP is an up to date account of where you are with everyone and a statement so that you can see what payments have been made and when, on your behalf.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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