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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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Well back again after a number of years following your success in getting unwelcome finance out of my life forever.

 

I have been receiving emails from lantern relating to a quick quid loan

I admittedly did not fully repay as I was at the time backed into a place where my only way out was to stop paying the payday loans and then deal with the fallout or lose everything.

 

Just at that Time I had loans with Wonga, Myjar, quick quid and pounds to pocket using one to repay another and getting deeper and deeper in.

 

Anyway Wonga wrote off their balance in full with no comebacks following a legislation change.

 

I sent quick quid a letter stating I was intending to defend the way the loan had been approved after a number of previous loans, Irresponsible lending, and received a letter saying they were looking into my complaint and received no further communication from them so forgot about them,

 

then sent their reply to Quick quid as they are the same company

they simply replied saying they would take me to court,

then heard nothing,

 

 

now fast forward four years and I start getting emails from Lantern,

I have not replied to any of them.

 

Firstly for one quick quid account and now they are saying I have 2 quick quid accounts totalling 2,900 pounds.

 

If I try to pay this it will put me right back to square one after managing to get back on my feet and clear all other debts, and start to rebuild my credit rating.

 

Any advice will be welcome.

Edited by dx100uk
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have you sent the OC an IRL complaint for these 2 loads.

 

ignore and bounce back the Email the block them.

 

QQ are aware of your correct address are Lantern?


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I have not sent the OC an IRL I didn't know if I had to send it to Lantern as they have now bought the debts.

I also do not have all the information anymore about all the accounts and different loans I had with them.

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Always the oc

Get both running now IRL and sar


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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So I send the SAR to quick quid first then when I get all the information back issue the IRL is that correct.

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Thats not what i said is it....


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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The only information I have are the two loan reference numbers from Lantern so will have to issue the IRL with those I am assuming they are the Quick quid ref numbers.

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why not ring QQ and ask for a list of loans by email PDF

and any other PDL co. you used!!

 

as well as a free sar to each


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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That would be quicker, I will ring them tomorrow, Thank you.

 

Could the SAR and the IRL be sent by email.?

 

 

Edit. Don't worry seen your advice in another thread I will send first class post.

Edited by Andyorch
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well Quick quid have allegedly provided all the information from my DSAR on my account page on their website for me to down load,

 

when I try to log on ( yes the log on information is correct) it keeps coming back with,

 

this page can not be opened and they are telling me the information is only available for 7 days.

 

do I send another DSAR and specify hard copy's of the information?

Edited by dx100uk
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I have emailed them and requested either a hard copy or email in pdf just wanted to record they have not given me access to the information.

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Just received the following reply from Quick quid,

 

Customer Summary

Number of Loans 6

# payday 4

# OEC 1

# P2P 1

Number of Loans > 6 Years 2

All loans out of scope? N

Number of loans post 2015 0

 

 

 

 

We are in receipt of your complaint dated 25/07/2018 where you allege that QuickQuid irresponsibly lent to you. As a responsible lender, we have reviewed your lending as it relates to QuickQuid and Pounds to Pocket as these brands are both owned by CashEuroNet. Both brands will collectively be called CashEuroNet moving forward in this correspondence. In our assessment we look at:

• Affordability

• Creditworthiness

• Dependency

• Hardship

I’ve investigated your complaint and would like to bring your attention to the following points:

Under the Financial Conduct Authority’s rules, complaints cannot be made where they concern an event that occurred more than six years ago. Of course, we will still investigate your allegations as they pertain to any loans you have received in the last six years.

AFFORDABILITY & CREDIT WORTHINESS

The investigation of your complaint considered all relevant information contained in your application. It was noted your monthly income was stated as £2300 per month. I compared your income to your total monthly repayment for each loan you took with us. From this I can see that the income you made during each payday loan with us was always more than enough to cover the amount you had to repay us for each loan and thus I cannot agree with you that your loans were unaffordable.

DEPENDENCY

If there was dependency we would expect to see constantly increasing amounts in order to cover the prior loan interest and principal. However, your loan amounts varied and actually decreased from the previous loan which shows that you were not relying on one loan to repay the previous loan.

You are claiming that you were dependent on loans. Yet if you were dependent on taking out one loan to repay the other then you would have taken out numerous loans, for equal or increasing loan amounts, and with very little time between paying off one loan and taking out the other. When I reviewed your loan history I see that you never had more than four consecutive loans with less than 15 days between loans.

HARDSHIP

I reviewed your file and noted that on 06/05/2014 you informed us of your financial difficulty. However, your file also shows that we did not issue you another loan after you claimed financial hardship.

CONCLUSION: COMPLAINT NOT UPHELD

Therefore it is for the above reasons we cannot agree that CashEuroNet irresponsibly lent to you.

As this is our Final Response regarding your concerns to the above referenced account, if you are not happy with this outcome I need to ensure that you are aware of the ultimate availability of the Financial Ombudsman Service. You have the right to refer your complaint to the Financial Ombudsman Service, free of charge.

The Ombudsman might not be able to consider your complaint if:

• what you’re complaining about happened more than six years ago, and

• you’re complaining more than three years after you realised (or should have realised) that there was a problem.

We think that your complaint was made outside of these time limits but this is a matter for the Ombudsman to decide. If the Ombudsman agrees with us, they will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances (see below).

If you do decide to refer your complaint to the Ombudsman you must do so within six months of the date of this letter.

If you do not refer your complaint to the Ombudsman within six months of the date of this letter, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances.

The very limited circumstances referred to above include, where the Ombudsman believes that the delay was as a result of exceptional circumstances. I have provided you with a link to the leaflet for your information to assist you if you decide to pursue this further course of action. They can be contacted at:

The Financial Ombudsman Service,

Exchange Tower,

London,

E14 9SR.

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get off to the FOS quick then

as QQ are imminently going bust according to press reports


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Casheuronet will try to set off any refunds against the accounts they sold to Lantern. I've been through it and the Ombudsman made a decision for them to either buy the account back, or pay the refund to the third party. So to avoid that you should negotiate a reduced settlement with lantern so there's no debt to set off. That's a standard reply from QQ too, I think they just use a template and input your income and loan dates etc.

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Thank you is there a standard template letter or an example I could use please

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in our guide already.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thank you is there a link to the guide I have been looking for the tab but not very good on here sorry

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