Jump to content

 

BankFodder BankFodder


prince percy

Safety Net Credit - Pre Action Protoccol

style="text-align:center;"> Please note that this topic has not had any new posts for the last 286 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

Hello, 

 

I need some advice on a old payday loan, i have done a quick search but couldn't find anything on the site that relates my situation.

please point me in the right direction if this is covered elsewhere.

 

Long story short

a couple of years ago we were in real difficulty with money and fell into the trap of payday loans.

Ended up with Safety Net in the end as it was easier to borrow smaller amounts but it snowballed to £1108.50.

 

I then decided that i needed to get my finances back in order, stopped paying them and have ignored them since.

 

I now have a letter form a solicitor with a pre-action protocol asking for payments ect and i'm not sure how to proceed?

 

I made a complaint to Safety Net in November last year about irresponsible lending but i never heard anything back and then kind of forgot about following it up.

 

I have re-sent them the complaint email today and also made a subject access request to get the credit agreement and any of the application details they hold on me. 

 

am i right that they can't proceed with court with the complaint open?

 

do i need to start communicating with the solicitor and tell them this?

 

Many thanks

 

Share this post


Link to post
Share on other sites

you must reply to the PAP letter 

 

read this topic

 

then follow as post 6


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

 

Share this post


Link to post
Share on other sites

I'm not sure if the debt has been sold onto a DCA it showing as owed to Indigo Michael on my credit report and i don;t remember any letters from DCA. Would they start the court action without selling the debt?

 

Share this post


Link to post
Share on other sites

Who asked if it had been?

Yes many pdl co's do do court now

look at the sols letter...it will say 'our client'...they are the owners.


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

 

Share this post


Link to post
Share on other sites

i'm just finalising this PAP and am not sure on what reason i can dispute the debt other than they have not sent CCA or other paperwork, Sorry if i'm being thick but is this what i need to put?

 

Share this post


Link to post
Share on other sites

Yes and possibly Irresponsible lending and none compliance to you DSAR ?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Just to update on this.

 

Safety Net have written and agreed they lent irresponsibly and have agreed to refund me interest paid on loans taken out with them so this covered what was outstanding plus a bit more.

 

Thanks for the help with this. I will be making a donation at the end of the month when I get paid.

 

Share this post


Link to post
Share on other sites

Well done...let us know when you get the refund and we will update your thread title....and many thanks for the forth coming donation.

 

Regards

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

hey glad to help

 

good result.

 

now go hit any other PDL's you had...???:lol::lol:
 


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

 

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...