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Mr Lender Reply to Irresponsible Lending Complaint - Help Needed!!


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Hi,

 

I am after a little advice , i have sent out a irresponsible lending complaint to three pay day loan companies,i have got reply for one complaint.Please can some one Advice me best course of action from now on?

 

 

 

 

Making a Donation of £10 aswell

Formal Complaint Regarding Irresponsible Lending.pdf

Mr Lender Reply.pdf

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Well right down my alley...

So they weighted that 8 loans wasnt irresponsible lending. I disagree... Anything more than 3 times from one lender is too much, and the fact they are willing to remove £1700 speaks volumes!

As they sold the loan of to SLL Capital... (I have a running battle with them) they removed their interests in the loan etc...

Check my signature for our PDL reclaim guide...

 

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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A refund should be due to you if they no longer own the account (SLL buys the debt outright) - Thats a lot of money to lose out on.

Your next step is either reconsideration via an email to the CEO or to the FOS.

I would suggest both - make them pay for the misery they caused you.

 

I dont get how they cant see that a defaulted balance of £2107 isnt irresponsible lending!!! Thats mad.

So tell us more about all the loans.

 

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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Hi fkofilee,

 

Thank you for the swift response!

 

My summary of loans :

 

Mr Lender - 12/02/2014 till 24/04/2014

PayDay Express- 14/03/2014 till 28/03/2014

Mr Lender - 02/06/2014 till 26/06/2014

PayDay Epress - 02/06/2014 till 27/06/2014

PayDay Express - 18/11/2014 till 28/11/2014

PayDay Express - 15/12/2014 till 24/12/2014

Mr Lender - 10/11/2014 till 27/01/2015

PayDay Express - 30/03/2015 till 26/05/2015

PayDay Express - 26/05/2015 till 27/07/2015

PayDay Express - 31/07/2015 till 25/09/2015

WageDay- 09/09/2015 till 30/10/2015

Mr Lender - 10/06/2015 till 27/11/2015

PayDay express - 14/10/2015 till 24/12/2015

Mr Lender - 07/12/2015 till 26/02/16

PayDay express - 28/01/16 till 27/04/16

Mr Lender - 25/03/2016 till 27/06/2016

Mr Lender - 06/08/2016 till 09/08/2016

PayDay Express - 06/08/2016 till 09/08/2016

ElevateCreditinternational( Sunny) - 07/08/2016 till 09/08/2016 --- 5

ElevateCreditinternational(Sunny)-30/04/2016-09/08/2016

ElevateCreditinternational(sunny)-27/03/2016-09/08/2016

ElevateCreditinternational(Sunny)-16/08/2016-11/11/2016

ElevateCreditinternational(SUnny)-13/08/2016-11/11/2016

Mr Lender - 17/08/2016 - 15/11/2016

Payday Express - 12/08/2016

Satsuma Loan - 18/08/2016

WageDay Advance - 21/08/2016

 

Could you help me in formulating a reply to the CEO or should i just complain to FOS.

 

Regards,

Charan

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Hi Charan

 

Download the guide in my signature and have a detailed read,,,

Can you also put the loans on a spreadsheet. Amounts borrowed.

Which defaulted etc if you can. I need time to digest. Its a lot of loans.

 

As for the CEO Email. I can help you draft an email but this will be a lengthy process.

 

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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Hi fkofilee,

 

So much useful information to take on from the guide,thanks very much. i will put all the loans in a Excel sheet as soon as possible. I have e decided to complain to FOS, i will keep you updated.

 

Thanking you.

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