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    • Hi Taximan   I will respond to this tomorrow at a better time - Ill have a further response for you.    
    • A few years ago I had a lot of cheque cashing loans rolled over with the Money Shop. I only found out very recently that these are still classed as pay day loans and are therefore claimable for irresponsible lending. I sent them the SAR which Irecieved, and then the complaint. After a bit of padding out they have sent me their 'final response', which is copied below. Could someone please advise me how I should proceed. Many thanks       Thank you for taking the time in bringing your complaint to my attention on 04 Apr 2019 and for giving me the chance to put things right. I have now finished my investigation. complaint Please read this part carefully as I will explain how I understand your complaint. This is important in how I have reached my decision: We received your complaint via email on 04/04/2019. You believe that the loans were mis-sold to you by Your us. You claimed that the loan payments which you paid to us left you with too little money and that the loans were unaffordable. You claimed that you not afford these loans and after making the repayments to us, you had to borrow again to get through the next month. You claimed that we should have realised from the number of times you borrowed that your debt problems were getting worse and it was not responsible to continue to lend to you. Your lending took place between 10/03/2008 and 28/12/2012. My Decision: We handle complaints following rules set out by the Financial Conduct Authority (FCA). One rule is that a customer must complain within 6 years of the problem. Another rule is that if more than 6 have passed, you must complain within 3 years of knowing you could complain about the problem. I can see that all of the loans that you are complaining about are more than 6 years old. So for me to consider these loans, I need you to tell me why you didn’t complain about these loans until now. Next Steps: I appreciate that this may not be the response you may have been hoping for but I hope you can see how and why I have come to my decision. If you are not satisfied, you may also ask for an independent review by the Financial Ombudsman Service. You have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of this letter. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances. Please also see: www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm A leaflet from the Financial Ombudsman Service, “Your Complaint and the Ombudsman” is available by post only; please contact us if you would like a copy to be sent to you. If you have any queries, please do not hesitate to contact us either via telephone or email using the details below and quoting the Case Reference number above. Our telephone opening hours are from 9am to 5pm Monday to Friday. Yours faithfully, Customer Relations Department T: 0800 280 2548 E: customerrelations@themoneyshop.co.uk The Money Shop is a trading name of Instant Cash Loans Limited. Instant Cash Loans Limited is a company registered in England and Wales, Company Number 2685515 Registered Address: 6 Bevis Marks, London EC3A 7BA Regulated by the Financial Conduct Authority in relation to credit-related activities. VAT Registration Number: 896 1022 16 *Please note that for training and security purposes, telephone calls may be recorded Letter Code - FRL  
    • Yep they are jokers.   But with a bit of stalking on linkedin and some digging i managed to find the emails of the key people who head up customer service. Needless to say i was taken care of very quickly.   Can the admin please make this a sticky for anyone else dealing with parcel2go?   n.schofield@parcel2go.com g.iveson@parcel2go.com Stephen.benson@parcel2go.com
    • Wow... made a complete hash of trying to reformat this after accidentally hitting post before I'd finished. Post above can be deleted if needed.     Then things started to become difficult     Obviously I'm not going to withdraw until I receive payment, so I completed N205A requesting Judgment on Admission and including their admission forms they sent to me. I was also mailed a copy of the companies accounts. I'm happy to upload these but I believe they are what is freely available over at Companies House.     Sent off the docs to CCMCC and expect to have the Judgment in the next few days. I'm not sure I fully accept they panicked and considered themselves out of time, because they replied to the claim a day before the forms were considered as Served by CCMCC. I think though, that rather than a discontinuance from my side on payment, to get a judgment may be beneficial to others in the future.   I'll update this as soon as I have payment or an update from the courts. I'd call this a win!
    • Hi    Just had a wee look at this and I think if you have not already done so you need to inform the following and keep a good paper trail as you are doing:   1. Police/ Action Fraud (get a Crime Ref Number). 2. Trading Standards. 3. FCA (as Damaras Ltd, Trading as Payza.com had there EMD Revoked by FCA on 12/07/2018) 3. Companies House (as they are looking at a Proprosal to Strike off MH PILLARS LTD   Companies House link - MH PILLARS LTD: https://beta.companieshouse.gov.uk/company/06243643   Damaras Limited has simply changed its name to Peridea Limited but it is still the exact same company number 8029472 and Address   FCA - Damaras Limited: https://register.fca.org.uk/ShPo_firmdetailsPage?id=001b000000m4IXPAA2   Companies House link - PERIDEA LIMITED: https://beta.companieshouse.gov.uk/company/08029472 (go to bottom of webpage and look at the previous company names)   PERIDEA LIMITED above I can find nothing in searching the FCA (so let the FCA know this is Damaras Limited as the FCA revoked there EMD) and if this new company is actually registered with them)    
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies

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Hi guys

 

Just need a little help again with my wife's debt by EON apparently here goes.

 

a few months back Lowell came on the seen chasing an apparent debt from EON as stated above

 

as far as we are aware EON has always been in my name never my Wife's

 

it's for £160 yet my wife has checked her credit report and nothing there about EON or Lowell.

 

Now Lowell are apparently deciding whether to take legal action and kindly showed us what the proceeding would be if they decided to take legal action is this legal as we have no knowledge of the debt? but they have an account number?

 

any help with this please and hope it makes sense

Edited by dx100uk
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I would query the account number with EON, their billing system is garbage, and possibly someone with your wife's initial and your suname has an account in default. Is the account number your's?


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Moved to The utils forum

 

What letters have you had and have you replied?

 

Scan everything up to one pdf file

Read upload


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.

 

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Silly old lowlifes stillscraping the bottom of the barrel....

 

IGNORE Lowlifes, absolutely zero they can do, less for send out reams of garbage, get onto EON direct, and have them account for why this tin pot circus outfit is begging for money from your wife.

 

Have you ever been with EON?

 

What date does this refer to?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

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" as far as we are aware EON has always been in my name never my Wife's "

 

So if the account is in your name.....do you know what the debt is....? Have you left EON for a new supplier ?

 

Andy


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no Andy I've always been with EON and the debt is in my wife's name and doesn't show up on her credit file that's my dispute is there a letter I can send to EON and to Lowell Financial?

 

Sorry forgot to add the amount of debt it is £166.64

 

Have you ever been with EON? I'm with EON with Electric as prepay meter have been since we moved in in 2005

 

What date does this refer to? May 2014 I think

Edited by dx100uk
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Well there not going to get very far then if the account was in your name.... ignore them.


We could do with some help from you.

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The account in question is in my wife's name though seems a separate account,come to think of it though my wife I think tried to get a gas account with them and couldn't because of credit then they offered to change meter to pre paid but couldn't be fitted but can't be certain because I've been with SSE for along time.

Hope that makes sense ?

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Your story seems to be wandering.....

 

" as far as we are aware EON has always been in my name never my Wife's "


We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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sorry I was thinking back and just remembered either way shouldn't of been charged for something we didn't have surely ?

Edited by andrew1402

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Absolutely ...if they have never been your supplier.


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also as far as we know of we have never had a letter of Eon regarding this bill and nothing showing on mine or my wife's credit report so what should I do next? do I write to EON CEO or whatever as if I ring them direct i'll just get some salesperson or clerk

Edited by andrew1402

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I doubt EON would converse with you as they are no longer the owner of the debt.....Ring Lowell and put it into dispute tell them you have never been a customer of EON and its a case of mistaken identity ?


We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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it's not mistaken identity though it's in my wife's name she tried to get an account for gas with them they ask for £200 for some credit check she said couldn't afford it so they offered to put a pre paid meter in but turned out couldn't be fitted but still charged us by the looks of it also I've been told many times do not ring Lowell I'm sorry if I've mislead the thread i'm just remembering what happened

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Well in that case just ignore Lowell they have no documents to prove the debt so I doubt anything will ever come of it....retain all the paperwork though for future reference.


We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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paperwork from Lowell? we don't have anything else unfortunately it's been that long

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Well retain the one document referred to in post#1 of this thread.


We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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Just ignore them until they or you have some idea of what's going on and can then get advice on what to do next.

 

It seems, you have no idea what they're after, and neither do they, and until such time one or the other divulges the entire story everyone will go round and round.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

HOW DO I START A NEW THREAD?

 

 

 

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