Jump to content


style="text-align:center;"> Please note that this topic has not had any new posts for the last 360 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi all,

 

I was posting about CCA request which led to unearthing my other accounts and I was advised to start another thread in this forum as I may be able to get my PDL wiped under the irresponsible lending rules.

 

I have the following to my name:

 

EuroCashNet (Quick Quid) £770

Instant Cash Loans (Month End Money/ Payday UK) £300

 

I have been paying towards these on a DMP and i'm due to make a payment in the next couple of days.

 

Any help would be greatly appreciated.

 

Many thanks in advance.

Share this post


Link to post
Share on other sites

Thanks FKO :)

 

I'll take a look at that.

 

I currently have two as mentioned above. I did have another couple I think but they wiped them years ago.

 

Instant Cash Loans (aka Payday uk) £305 - NO DEFAULT - LATE PAYMENT - STARTED PAYMENT ON DMP con 23/06/2013

CashEuroNet (aka Quick Quid) £770 - UNSURE - NOT ON CREDIT FILE - STARTED PAYMENT ON DMP con 21/06/2013

Share this post


Link to post
Share on other sites

I was borrowing a lot of money in a short space of time and gambled a lot of money!

Share this post


Link to post
Share on other sites

Thanks, i've actually just gone through it.

 

I'm going to compile a list of loans and view statements at the time of being accepted to see if I have a strong enough appeal to raise complaints.

Share this post


Link to post
Share on other sites

gambled a lot of money = perfect reason!!


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 

 

Share this post


Link to post
Share on other sites

Is this possible to claim against unsecured loans on the same ground?

 

I applied and got credit on 10 accounts within 11 months and I have statements which show/prove heavy gambling. These accounts are a mixture of CC, loads & PDL’s.

 

Thanks

Share this post


Link to post
Share on other sites

yes all lending


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 

 

Share this post


Link to post
Share on other sites

Hi all,

i'm looking at lodging complaints against all creditors which are outstanding.

 

I have compiled a spreadsheet which shows I got loans/credit on 11 different occasions in 11 months.

I also have compiled old bank statements and also statements from betting sites.

 

During June 2010 and April 2013 I gambled heavily and can prove this is where the money went.

It got so bad that within just 6 months i deposited £222k with just one betting account generating a loss of over £18k. Sickening to know!

 

I am unsure of the loan amount with Payday UK above also when Co-op was taken out.

These figures are approximate.

 

I began my DMP in May 2013.

I have gone through the Irresponsible Lending Guide but before I send complaint letters I just wanted to confirm whether or not there is mileage in my complaints?

 

Many thanks.

Lending.jpg

Edited by dx100uk
spacing

Share this post


Link to post
Share on other sites

yes everyone of them!!


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 

 

Share this post


Link to post
Share on other sites
yes everyone of them!!

 

Thanks dx. Even the already closed accounts? They wiped the debt shortly after the changes on 2015

Share this post


Link to post
Share on other sites

still doesn't mean they lent responsibly at the time!!

 

for the cost of a few stamps..IMHO worth a punt to give the grief!!


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 

 

Share this post


Link to post
Share on other sites
Did i read that right - £222k?

 

Yes! I had to ask twice on the online chat to the guy who gave me the info.

Share this post


Link to post
Share on other sites
still doesn't mean they lent responsibly at the time!!

 

for the cost of a few stamps..IMHO worth a punt to give the grief!!

 

Definately! Have they been known to compensate on this basis then?

Share this post


Link to post
Share on other sites

why not try

i'm not going to research past successes here for you

CAG is about self help too!!


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 

 

Share this post


Link to post
Share on other sites

Of course. I wasn't asking you to do any research on my behalf. It was purely to ask if you had come across a similar thing in your experience.

Share this post


Link to post
Share on other sites

Hello all,

 

Over the last few weeks i've been scrutinising and gathering information on loans and gambling spending.

 

I've written a provisional letter to QuickQuick using the letter template on the irresponsible lending guide.

 

I've put a lot of time and effort to put forward a strong claim.

I just wondered if anybody would be willing to have a read of it to see if there is anything I should add/remove.

 

I need to get this one right because i'll be using this as a guide letter for all my other creditor complaint letters.

It would be hugely appreciated!

 

Also on the letter template it says:

 

"the FCA took over regulation of the credit market from April 2014 and then imposed caps on all high-cost short-term credit (HCSTC) in 2015. I am aware that this only applies to Payday, Instalment and Rolling Credit Loans."

 

Does irresponsible lending apply prior to this?

As i'm going back to 2012/2013 so wondered if I have any claim at all with this template.

 

Many thanks

Share this post


Link to post
Share on other sites

yes it applies to anything now even credit cards

 

don't make your letter to long!!


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 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...