Payday Loan Assistance

[messedaround]

Hi All

 

I wonder if you can help?

 

I am looking to send complaints to the following PDL companies for unfair treatment, irresponsible lending and other poor practices but cannot find the details to send them to. Anyone know the email addresses?

 

Minicredit

CFO Lending (the major one)

Wagedayadvance

txtloan

poundstillpayday

Provident

moneyinadvance

 

Thanks in advance

[fkofilee]

Give me 5 mins Ill have something for you. From my notes, please see below.

 

Minicredit have now been dissolved... If you had an outstanding balance, it is probably with OPUS ltd..

 

Minicredit - All Accounts With OPUS

[email protected] - Scott Dawson CEO

[email protected] - Margo Kidd - Some Compliance Person

[email protected] - Self Explanatory

 

CFO Lending

[email protected]

[email protected] (No complaint email addy)

 

WDA

[email protected]

[email protected]

 

Txtloan / MYJAR (Gareth Gumby Left Business)

[email protected]

[email protected]

[email protected]

 

P2PD- Malta Based Company - Unknown CEO - CFO is Lyn Farrugia Gaskell

[email protected]

[email protected] - Found CFO Email... Use It! Their CCL has lapsed with them being in Malta

 

Provident - My Favo By Far - Check Thread On Vanquis!

[email protected] - CEO of Group

Cant find MD and the Complaints Email is a Contact From - Trust me from Exp - You will get a response by emailing PC

 

MIA

Money In Advance Limited

 

 

Company Number 05439855C

Company Status Voluntary Arrangement

 

With Safeloans.... AKA SSL Capital

 

[email protected]

[email protected] Email works fine. (CEO Mark Bryant) - Funny How SL and Mr Lender are Hand in Hand (SLL Capital & Safeloans Website)

Checking out his linked in, he looks like a real smooth guy... Funny for a PDL company.

 

And remember CAG places spaces in email addresses, remove them! Also if you find these helpful please add to my rep

[renegadeimp]

Very apt name for the provident CEO

[fkofilee]

Very apt name for the provident CEO

 

Isnt it just eh? ^__^ , Anyhow, this is all the OP needs for now. When you get responses Messedaround - Let us know.

[citizenB]

Very apt name for the provident CEO

 

Priceless

[messedaround]

Thanks for this I will try and get through to them all now.

 

I am having real issues at the moment with QuickQuid. In 2010 I Had to take out a DRO due to all my PDL debt and being made jobless. I was discharged from this in early 2011. I have been trying for years to make QQ update my Credit Report to reflect this and also complaining to them that they are totally irresponsible lenders, but they will not. This was their latest response after I emailed their complaints team (normally they ignore me):

 

 

Thank you for contacting us regarding

your account. We understand your concern regarding your credit file and

apologize for any inconvenience. We have record of your bankruptcy filing

however,the default status of your account with us will remain on your file for

up to 6 years.

 

We apologise if there was any delay in responding to your

complaint.

 

Your query raised several questions on what loan affordability is

based on and what statutory checks are processed before assessing credit

approval. Please be advised of the following information in relation to your

query:

 

-We processed a credit check, the search id: LTJ-xxx

confirms one of the affordability checks that were ran. You can find additional

information on checks by contacting Callcredit which is one of the Credit

Reporting Agencies we use.

 

-We also run various checks, which include but are

not limited to, affordability assessment based on current financial commitments,

as well as verifying any personal details provided on the application.

 

 

-After the application was submitted, we send our customers an email which

contains the pre-contractual agreement and also contains a hyperlink that leads

to an audio version for your convenience.

 

-Prior to making a lending

decision, your loan application is reviewed and all of the information discussed

above is analyzed and taken into consideration.

 

-Once that information is

reviewed, we make a decision and subsequently contact the consumer to advise of

the final credit decision.

 

After careful review of your account and the

information you submitted at the time of your application, we have determined

that we diligently followed our processes and conducted a credit and

affordability assessment on each credit application that was granted.

 

If you

have any queries, our Final Resolution Team is here to help.

 

Kind

Regards,

 

June

 

Now, I have explained to this lot before that a DRO is NOT the same as bankruptcy, and the debt should have been shown as settled after one year..

 

How can I sort this?

[citizenB]

There reporting to the credit reference agencies should reflect the situation as it currently is and I would think that you are correct in that your file should now show the debt(s) as satisfied.

 

It might be worth having a word with the Information Commissioner and then the Financial Ombudsman.

[WilmaMcClelland]

I hope you can solve everything about this concern. Wishing you all the best.

[messedaround]

Give me 5 mins Ill have something for you. From my notes, please see below.

 

Minicredit have now been dissolved... If you had an outstanding balance, it is probably with OPUS ltd..

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

And remember CAG places spaces in email addresses, remove them! Also if you find these helpful please add to my rep

 

I have now contacted all of them and am waiting to hear back.

 

Some others I remembered having are below, any details for these?

 

Toothfairy Finance

Next Credit

Speedycash

Speedeloans

Tower Capital

1 Month Loan (think finance)

Edited September 13, 2015 by messedaround
Speed Tower

[fkofilee]

Christ you did have you finger in some pots eh...

 

Toothfairy Finance - Dissolved... Thy are no more.

 

Next Credit - Swear this is similar to Toothfairy... Looks the same...

[email protected] - FCA Company Register Contact

[email protected] - Director (Listed)

 

Speedycash - Retired out of Market in UK

Some stores still around - Turns out WDA Ltd are owned by SRC Transatlantic...

Interesting about who is on the IP License

[email protected] - FCA IP Contact

[email protected] - MD Possibly...

 

Speedeloans

Collapsed into Administration...

 

I have some advice, Have you used Noddle from Callcredit?

Seriously get on there and see who is reporting...

[messedaround]

I am on there now. My main issue is so many are DCA's, and I have no clue who or what they are for

[fkofilee]

Well do me a favour, why not post up a screenshot of your CRF...

I can help you if you want...

[messedaround]

[ATTACH=CONFIG]59283[/ATTACH]

 

Thanks - also further down, Lowell appears.. 9 times

 

The two quickquid should be marked as settled from a DRO in 2010, but they do not seem to understand what a DRO is no matter how many times I explain..

[fkofilee]

Post up the lower half too...

Advanced Payment Solutions Ltd... Cashplus MAstercard?

 

Did you use their Cashbuilder facility?

[messedaround]

Ahhh yes, I had an iadvance from them years ago - lower half:[ATTACH=CONFIG]59287[/ATTACH]

[fkofilee]

Wow this is a new level of defaulted accounts.... Even for me...

 

We dont judge here at CAG and I know youve been here just over a year... But did you not think about not taking anymore credit after these ones defaulted?

Or am i missing something here?

 

Dont take it like i'm criticising you at all I just wondered.

Id like to help if I can.

 

For the first time ever, I'm going to say this... I WANT you to contact Lowell through email. I want to know;

 

- Original Creditors

- When They Were Purchased?

Edited September 13, 2015 by Andyorch
External Link removed

[messedaround]

I have no credit now - could not get it anyway!

 

All of these accounts are from between 2010-2012, where I ended up in a huge payday loan mess, just getting more and more to pay the rest back - they never ran a check and I was amazed they kept lending!

 

I am trying to contact each one to see what it is, all of these lowell ones suddenly appeared recently so I will contact them now. There is a fair chance some of them were covered by my DRO.

[fkofilee]

Well possibly. But Id like to know about Lowell... Ive asked the Site Team to pop in and discuss...

 

Tell me about your DRO... How did it go? Was it completed and which accounts were supposed to be part of it?

[messedaround]

The DRO was all good, and completed however ever since I have been trying to deal with those that gave me credit the year after I completed it, and those who were included in it that paid no notice to it.

 

Quickquid, Barclays, Barclaycard, LloydsTSB, Wonga, Payday Express, moneyshop, littlewoods x 3, Next were all included as well as a load of others I cannot remember but all have continued reporting on my CF. I have finally removed lloyds, wonga, littlewoods recently but the others I am still fighting.

 

Lowell have been emailed now.

 

I have not taken any credit now for around 2-3 years.

 

I suspect part of lowell could be some brilliantgiftshop related accounts I had around 2012 thinking about it

[fkofilee]

Awesome, well lets see how this goes. Let me know when you get a response.

I hope to dear god that you have now come out of that dark tunnel

[citizenB]

I would think that your credit file should reflect that the debts were part of a Debt Relief Order and are now satisfied, so should not be reporting independently. It might be worth having a word with the Information Commissioner.

 

A DRO is a mini bankruptcy so I would think the same rules apply.

 

Do you receive a certificate of satisfaction after you have competed the term of the DRO ?

[messedaround]

I would think that your credit file should reflect that the debts were part of a Debt Relief Order and are now satisfied, so should not be reporting independently. It might be worth having a word with the Information Commissioner.

 

A DRO is a mini bankruptcy so I would think the same rules apply.

 

Do you receive a certificate of satisfaction after you have competed the term of the DRO ?

 

Yes, I got this in 2011 I think.

 

The problem is, quickquid are american, and every time I explain and link them to the DRO page, they refer me to bankruptcy rules and six years..

 

The others just ignore me. Barclaycard I am particularly disappointed with being a bank

[citizenB]

Yes, I got this in 2011 I think.

 

The problem is, quickquid are american, and every time I explain and link them to the DRO page, they refer me to bankruptcy rules and six years..

 

The others just ignore me. Barclaycard I am particularly disappointed with being a bank

 

 

 

 

 

 

 

Whilst the DRO is in force, and for three months afterwards, your details will appear on the Insolvency Service’s Individual Insolvency Register, which can be viewed by anyone.

The DRO will show up on the credit reference files.

 

Not allowed to get credit for £500 or more without telling the lender that you have a DRO. A lender might change their mind about offering credit, when they see a DRO registered on your credit file.

 

The note of your DRO stays on the credit files for up to six years after the date the DRO was made. This means it could be some time before you can get credit in the future.

 

You might also struggle to open a new bank account during the DRO period and for some time after it has ended.

 

You won't receive any official notice or communication to tell you that the DRO period has ended.

 

And if you can't remember when your DRO ends, you can check your entry in the Insolvency Service's register. This will show the end date of the DRO period.

 

I apologise, it would appear I was wrong - you are not provided with a Certificate of Satisfaction as you would with a Bankruptcy and it looks like the DRO stays on your files for 6 years after the DRO was made. I already explained this was a mini bankruptcy and it would appear the rules for reporting are pretty much similar.

[messedaround]

I apologise, it would appear I was wrong - you are not provided with a Certificate of Satisfaction as you would with a Bankruptcy and it looks like the DRO stays on your files for 6 years after the DRO was made. I already explained this was a mini bankruptcy and it would appear the rules for reporting are pretty much similar.

 

I received a certificate - I still have it on my email - maybe it was different back then? I was one of the first to do it I think

[citizenB]

Another question. What is the default date on all of those accounts.. not the update - the date the default was placed on record ?

 

It must not be a later date than the date of the DRO.. so it should be the same or before.