Jump to content


Halifax and Irresponsible Lending


 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2481 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Good news, well done on your success,

 

 

just food for thought....2008/9... £41k within 7 months.

 

 

.. if someone took a bank loan, then applied for another loan within months to pay the first off

and repay maxed over draft on two accounts,

then got over draft upped within days of paying off,

maxed again within weeks,

followed by another loan,

as well as two more credit cards maxed within weeks,

then managed to get another loan within months of all the above, ALL with the same bank,

 

 

could/would this be seen as over lending since on a small income,

and paperwork filled in by bank personnel showing more income than what was been earned at the time

( showed wage slips in bank but loan agreements show figure three times of what really earned )..

 

 

. repayments totalled £870 per month which resulted in defaulting within months of taking all the above out

after missing payments and getting charged mega charges and interestlink3.gif,

 

 

just thought I would ask after seeing threads regarding Irresponsible lending...

.. repaid £20k still £32k to go....

.. all with DCAlink3.gif and on self arranged dmplink3.gif since 2009

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

Link to post
Share on other sites

http://www.consumeractiongroup.co.uk/forum/showthread.php?441478-Payday-Loans&p=4694548#post4694548

 

You will find some advice in the thread linked above.

 

I have already advised that if the lender has manipulated your earnings and not shown the true figures on the loan agreement, then this should be brought to the attention of the regulator.

 

So I think your first move should be a Subject Access Request which will cost you £10.00 - the company has 40 calendar days in which to provide this. Then once you have the data that shows how they processed your application, you can then start the complaint process.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-**Updated-January-2015**(1-Viewing)-nbsp

 

Draft SAR request in the link above ^^^^^

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

Link to post
Share on other sites

  • dx100uk changed the title to Halifax and Irresponsible Lending
 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...