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Backdoor Lowell CCJ - old Morses Club Doorstep loan


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  • 2 weeks later...
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I have had reply from ombudsman, basically saying they've asked morses for all details and if I have anything else I should sent it to ombudsman.

 

I have included copies of my bank statements, screenshots of my credit report, copies off all correspondence since I out my claim in and a copy of the SAR and proof of postage I have sent morses.

 

Should I also send in all the emails between myself and Lowell/court or is that all redundant to this claim?

 

Thanks

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the advice was send everything...

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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  • 2 months later...

Alas the day has come where I have had the decision.

 

I shall have to accept defeat and I shall pay the CCJ this evening.

 

Thanks you for all who advised, forever in debt to your priceless advice

 

Your complaint about Morses Club PLC (Our ref:
 

  

Our ref

 

 

Your complaint about Morses Club PLC

 

I’m getting in touch to let you know that we have everything we need to look into your complaint – and I now have an answer for you.

I can see you’ve been waiting a while.

And I’m sorry it’s taken us this long to give you an answer on your case.

 

This assessment is based on the information provided so far.

If you or Morses Club is able to provide us with further information by 21 August 2020, we’ll be happy to look at it and see if it makes a difference to the complaint.

 

From what I’ve seen you were given one loan by Morses Club in October 2015, and there appears to be a balance outstanding.… 


I’ve reviewed all the evidence provided by both sides in this case and I’m not upholding your complaint. 

What we think about when looking at home credit complaints

 

You were provided with a high-interest loan. So Morses Club needed to make sure that it didn’t provide them irresponsibly. In practice, what this means is that Morses Club needed to carry out proportionate checks to be able to understand whether any lending was sustainable for you before providing it.

 

Our website sets out what we typically think about when deciding whether a lender’s checks were proportionate. Generally, we think it’s reasonable for a lender’s checks to be less thorough – in terms of how much information it gathers and what it does to verify that information – in the early stages of a lending relationship.

 

But we might think it needed to do more if, for example, your income was low or the amount lent was high. And the longer the lending relationship goes on, the greater the risk of it becoming unsustainable and the borrower experiencing financial difficulty. So we’d expect a lender to be able to show that it didn’t continue to lend to a customer irresponsibly.

 

What I think this means for your case

I’ve thought about all of these issues in the individual circumstances of your case, and I don’t think Morses Club irresponsibly provided your loan to you. 

 

I’ll now explain why.

When you took your £200 loan with Morses Club, it was the first time you had borrowed from them and therefore they would have taken the information you gave them at face value as there would’ve been nothing to suggest that it was incorrect.

 

They took details of your income which you gave as £277 per week and your expenditure which was £165 per week. This left you with a listed disposable income of £122 to cover your £15 weekly repayment.   and from the information you provided you had enough disposable income to make the necessary repayments.

 

I’m sorry to hear that you were struggling financially and that repaying this loan may have been difficult.  

But given your loan amount, what was apparent about your circumstances at the time and your history with the lender, I don’t think it would’ve been proportionate to ask you for the amount of information needed to show the lending was unsustainable. 

 

There wasn’t anything in the information you provided at the time or the information Morses Club should’ve been aware of, which meant it would’ve been proportionate to start verifying what you were saying.

 

I understand that the loan is currently outstanding, as such I would like to remind Morses Club of its obligations to treat you fairly if you’re having difficulties repaying the loan.

 

What happens next

I hope my explanation has been helpful. If you’re happy with what I’ve said, you don’t need to do anything – and we’ll close your complaint.

 

I think this is a fair outcome in the circumstances, for the reasons I’ve explained.

But if you decide that you don’t accept what I’ve said, then please let me know by 21 August 2020.

If I can’t resolve things then an ombudsman here can look at everything again and make a final decision. If I don’t hear from you by that date we might not be able to look at your complaint again.

 

If you have any questions – or need more time – please get in touch by 21 August and we’ll be happy to help.

Kind regards

 

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Not yet as I'm away on holiday and awaiting the court response regards payment details  thought I'd see if was doing the right thing.

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