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some may remember my posts before where i have made IRL complaint with several companies as i recover from my gambling addiction,

can someone give advice on how to respond to Oakam now?


i have attached their response


thank you


i have referred this to ombudsman but now they are saying


" The letter we have sent to you on 6 July 2018 did offer a resolution to your complaint. For clarity, your complaint was upheld.


At this time, you have not yet paid back the principle sum you have received so we cannot offer you a refund.


However, the interest due on the loan has been waived so the account can be closed after the £150 you have received has been repaid.


As you have paid £11.98 towards the sum, you do have just £138.02 left to pay.

This balance is frozen.


We note that this resolution is in line with the guidelines set by the Financial Ombudsman Service.


Did you receive our letter dated 6 July 2018 or do you have further comments regarding its content? "

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Still irresponsibly loaded it though..shouldn't have ever loaned it!!



Await the fos resp...

please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.



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Yeah thats what im going to do leave it with the FOS they have a copy of that letter, if it wasnt processed to their acceptable standards how did i get it in the first place, lets see.

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Accept it it's a fair offer. When the Ombudsman upholds irresponsible lending complaints they ask the lender to refund/remove interest and charges, that's what Oakam have done.

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