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hamilton20010

Irresponsible Lending Claim due to 7 PDL company loans over gambling

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Hello all, really hoping for some advice on my story, will try keep it short as much as possible!

 

i am going to be brutally honest i developed a gambling addiction about 6 years ago, what started out as fun soon became addictive.

 

one loan turned into another and then payday loans started which were so easy to get ( i know there is responsibility on my side but if you have never been inside a gamblers mind it doesnt work the same way as a normal person when it comes to finding the next " loan " )

 

i am now taking steps to recover from this as all my family knows

in the meantime i wonder if i can claim for irresponsible lending against the below firms due to the fact i had several defaults on my file,

 

one as recent as 2018 and multiple accounts showing in arrears/defaulted from 5 years ago, multiple search history on my file which shows how desperate i was to get credit all showing at the time they credit checked me when i applied for a loan with them

 

Mr Lender - 18th Feb £200 - with interest £311

Wonga - 28th Feb - £200 - With interest £234

Myjar - 31st March - £100 - With Interest £150

Cash4unow -10th April - £200 - With Interest £295

Loans2go - 13th April - £200 - with Interest £1019 (took out for longer term)

Oakam - 17th April - £150 - With Interest £311

Peachy - 19th April - £100 initially then allowed me to top up with an extra £200 on the same day - With Interest £556

 

i would like to state that Peachy havent done a credit check, spoke to them this morning and they say they do credit checks, i checked my file on noddle for the 19th and there is no footprint from them on that date under Peachy or cash on go ltd (funny enough in my accounts its registered i have an active loan with them)

 

with all the defaults and accounts in arrears and my credit rating being 1 out of 5 (its at the lowest end of available credit score) surely all this should have alarmed them to consider not giving me the loan and it should have showed i couldnt afford to repay anything.

 

how can they call themselves responsible lenders? surely the defaults themselves should have caused them to say " this person cant pay loans back that are over 5 years old "

 

any thoughts how i should progress with this?

 

i have sent email off to them all lodging a complaint not using any templates as i wanted to write it myself as i dont feel a template really fitted the point im trying to get across to them.

Edited by hamilton20010

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Welcome to CAG - hamilton20010

 

DX is right - We have a guide that goes End 2 End - From establishing your claim to referring to the FOS.

Any questions - Please do let us know.


 

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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Welcome to CAG - hamilton20010

 

DX is right - We have a guide that goes End 2 End - From establishing your claim to referring to the FOS.

Any questions - Please do let us know.

 

Where are the templates letters at please? i bet i have clearly missed them in an obvious place!

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Yeah got them, damn wish i used these now instead of writing my own emails!!

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letters not email - 1st class

get free proof of posting from the PO counter too if you can


..

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how do i upload attachments or pictures?

 

got a letter from one of my creditors i need advice on

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how do i upload attachments or pictures?

 

got a letter from one of my creditors i need advice on

 

PDF it or use officelens to scan the document

And you can then attach it to your post


 

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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how do i black out the text as its in adobe reader dc and it doesnt let you

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right attached :)

 

well the creditor is Mr Lender, i filed an irresponsible lending claim because of my gambling addiction and the fact i had several defaults on my file at the time i applied and lots of accounts on file already in arrears.

 

one thing i find interesting is that they have lied about what i put down for " other outgoings " i would never put a random number in like £168 i always round things to the nearest £10 or 100 or whatever so i dont know where they got £168 from, the only thing they asked to verify with me at the time was payslips

 

they say my credit score was 549 at the time of loan, on noddle its 1 out of 5 447 score and thats rated very poor so if it was 549 it still would be poor.

 

They say they responsibly lent and checked my credit file even though its littered with defaults from accounts that have not been paid.

 

im wondering whether to accept this offer or take it further? hold out to see if a month or so down the line they will keep reducing the balance

 

thanks for any advice

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always push further


..

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always push further

 

would there be a specific template i should send back?

 

also some of my debts got back over 3 or 4 years where i complained to get the interest and charges back and they declined but i didnt take it further so i dont know if i should complain to them again using templates from this site?

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I think the pdf in post #12 has your name in the name of the document. It would be a good idea to change that.

 

HB


Illegitimi non carborundum

 

 

 

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I think the pdf in post #12 has your name in the name of the document. It would be a good idea to change that.

 

HB

 

does it? i cant see it :)

 

i did blank out my name and address at the top

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Ive unapproved the attachment for you... Rename it on your PC to something random and reupload it :)

 

That way you dont reveal your name to the world :)


 

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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Ive ditched the attachment for you... Rename it on your PC to something random and reupload it :)

 

That way you dont reveal your name to the world :)

 

doh silly me, thanks for getting rid of it!!

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attachment re-uploaded for mr lender complaint response

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i still cant believe they never seen 1 of the defaults on my credit file was from 2013 lloyds loan with a balance still of £1558 !!! how could they miss this !!!

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These loans were supposed to take into account defaults... But if they are lending to you when they can see you arent servicing other debts that that is a BIG No-No...

Off to the FOS You go :)


 

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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These loans were supposed to take into account defaults... But if they are lending to you when they can see you arent servicing other debts that that is a BIG No-No...

Off to the FOS You go :)

 

i will :) do i tell them i am going to the FOS or keep it quiet?

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not sure whether to tell them i am complaining to FOS or not or just keep trying to negotiate with them while its with FOS?

 

just dont want them to keep harrasing me for me payment if i dont respond to their communications

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cant do a thing go silent key on them


..

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