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Just after a bit of advice.

 

I have had a gambling illness for years and been in and out of debt. I am seeking help now.

 

I took out a loan with a company about 5 years ago and the wages for that loan came straight out of my wages so they wouldn't agree to a payment plan but I made it clear I had a gambling illness, anyway a couple of years after they let me take out another loan. Im just wondering would this be classed as irresponsible lending?

 

To make it clear I know I'm the one who has the problem not them but you may of thought they should of had a flag on their system?

 

I'm not really after a refund on what I have already paid but looking to maybe a reduced payment now.

 

Thanks in advance :-)

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Yes esp if you had other debts and your credit file was shot with defaults

 

See our guide in the pdl forum


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Thanks for your reply, I will check out that page if I can find it.

 

Obviously when I applied for loans my head was all over the place so I may of not been 100% honest with them on the application although I'm guessing they should of still refused my application or at least ask me about my gambling illness I emailed them about on my previous loan?

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thanks for your help, it was actually a credit union but im guessing the guide will cover loans from them aswell.

 

One thing im slightly worried about is can they get funny if they believe I have lied on my application? as obviously having a gambling problem you do tend to lie.

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Works for anyone

 

And i would expect a credit union to be strict 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 

 

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