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Payday UK - Removal of Loan from Credit File


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Hi,

 

 

In September 2017 I lodged an Irresponsible Lending Claim with PDUK, who made an offer of £2,600 to settle the claim. I accepted this offer on the condition that all loans that were deemed to irresponsibly lent were removed from my credit file.

 

 

They confirmed via email:

 

 

Thank you for your email on XX January.

 

 

In response to your query, I can confirm upon receiving your signed acceptance your credit file will be amended to remove the loans we have deemed to be irresponsibly lent to you.

 

We can accept your acceptance via email in one of 3 ways. You can complete the final page, along with signature and bank details and send a scanned pdf to ourselves or post this to us, or, you can send us an email with the offer paragraph from your settlement page clearly shown and completed with requisite details (Bank details).

I will also let your case handler know that you have been unable to get a copy of the statement that was requested.

Kind regards,

Anthony Palmer

Customer Relations

T: 0800 0093562

 

 

Last week I called to see how long this will take, only to be told that they would not be removing all information, only negative information and that the above email was an administrative error.

 

 

I thought that emails were legally binding, unless there was a specific disclaimer in the email. Is this worth raising with the FOS?

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