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Hi,

 

I have had a success with swift sterling complaint about irresponsible lending. They have agreed to write off my loan with them. They had to buy it back from MMF first.

 

They believe they have acted fairly, however in light of my circumstances they have agreed to remove the outstanding amount with no further liability to them as a goodwill gesture.

 

I'm still waiting on my complaint to 247 Moneybox

 

Minicredit has a £100 debt now at £1303 and sold to Kapama/Opus - Minicredit no longer exist so I don't know what I can do about that one. They are reporting it to CRAs though.

 

I still need to get a complaint about to the following though

 

Quid 24

Peachy

Payday Express

Ferratum

Payday UK

Microlend

Mobile Quid

Pounds 2 Day

Quidsource

txtloan/Myjar

 

 

I will keep you updated with how it's going, but I will need some help if anyone has contact details for any of the above.

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Arh what a pain... Just when i was going to go out... Give me 2 minutes,.

 

Quid24 - No Longer Trading... So chances are you wont get anywhere.

 

Peachy - PITA to deal with at times, If you really want to get this done, may have to go to FOS

[email protected] - MD / FCA Contact

 

PAdyday Express - Now Known as Instant Cash Loans LTD.

MEM Finance and Moneyshop are now one

[email protected] - FCA Contact

[email protected] - MD - May not work anymore...

 

Ferratum - Foreign Company

[email protected] - Director (Possibly) Of UK Ops / FCA Contact

 

Payday UK - Same As PDE - (Andy Smith etc)

 

Micro Lend

[email protected] - General

[email protected] - FCA Contact

License has been suspended i Believe...

 

Mobilequid

[email protected] - FCA Contact

Unsure if still trading in full - Seem to be very dormant

 

Pounds 2 Day

Please clarify as cannot find anything on them

 

QuidSource

Please clarify as cannot find anything on them

 

MYJAR - My Favo... They've been defaulting everyone from 2011 / 2012 leaving defaults there till 2021...

[email protected] - Compliance OFficer / FCA Contact

[email protected] - Director

[email protected] - Director

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Thanks

 

 

Quidsource

Leadmount LTD t/as Quid Source

 

 

 

Pounds 2 Day

Type Short Term Loan

Address Wisteria Cavendish House,369 Burnt Oak Broadway,Edgware,Middlesex,HA8 5AW,United Kingdom

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Leadmount have been dissolved as per company check I believe.

P2D It appears they also have disappeared.

 

Ive gone everywhere I know.

 

Have you checked Noddle? Are they on your credit profile?

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Leadmount have been dissolved as per company check I believe.

P2D It appears they also have disappeared.

 

Ive gone everywhere I know.

 

Have you checked Noddle? Are they on your credit profile?

 

They're not on Noddle, however CRS have been chasing me for payment of the Pounds 2 Day loan and Quidsource is being chased by cash genie

 

Both haven't emailed me for a little while about the accounts, but I would like to get these cleared from rearing their head if they decide to do a myjar with my credit file

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Thanks for that about cash genie, I got redress for the loan with them albeit only £20.48, just hope they don't sell on the loan they bought from quidsource

 

CRS i in Haywards Heath I think, Credit Resource Solutions is the full name

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So you have had redress? Ouch.

 

Did Cash Genie say they would write of the rest of the balance?

 

I think you need to talk to Emma S...

 

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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As for CRS... I thought they only picked up GYM debts... But still...

 

CRS are powerless, Zinc may get involved. But do CRS own the debt?

I doubt this... Chuck them a CCA request. If they cant supply, then time to die...

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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As for CRS... I thought they only picked up GYM debts... But still...

 

CRS are powerless, Zinc may get involved. But do CRS own the debt?

I doubt this... Chuck them a CCA request. If they cant supply, then time to die...

 

The redress was for a cash genie loan that I had paid, albeit through carter forbes at a huge reduction, from memory I think I may have paid back less than was borrowed. however I was happy to get redress.

 

I will get in touch, however I don't have any notice of assignment so it may now be gone.

 

Any ideas about minicredit, Kapama reporting it, should I complain to them?

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As an update, Myjar have gotten back to me, however I have escalated my complaint to the FOS as they reduced the loan to the initial amount to be repaid and would not remove the default marker despite not sending me a default notice.

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They dont need to send you a DN to place a default. They should send you one, but theres no hard requirement.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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You need to file a formal complaint with the DCA. then use the FOS to come down on them after their final response.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 2 months later...

what route did you take with swift sterling as I am getting nowhere. they do not respond to countless emails . I rang the FOS who suggested writing to their malta address which I have done today. what governing body did you threaten them with as the FOS were unsure if they had duristiction or if it was the Maltese FSA

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  • 1 month later...

today received an email from Nothway still not admitting liability but agreeing to write off the outstanding loan amount of £1124.84 and offer £500 cheque as compensation.

This is considerably less than the interest owing but I am happy to get a resolution out of them.

 

 

It appears the Maltese FSA involvement forced the issue.

This was easy enough to do online.

The email address for northway as they no longer have anything to do with swift sterling (wink, wink) is Northway Financial if its of any use to anybody.

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