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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.

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Hi Molly - Welcome to CAG

 

PDL are my favourite thing in the whole wide world. NOT...

 

Please tell us more about these loans, how many you have had etc.

 

FKO

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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

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gambled a lot of money = perfect reason!!


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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

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yes all lending


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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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

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yes everyone of them!!


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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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 USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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why not try

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

CAG is about self help too!!


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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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

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yes it applies to anything now even credit cards

 

don't make your letter to long!!


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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