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Irresponsible lending with various companies, replies coming in

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Well on a side jot the irresponsible lending complaints are slowly getting replies, so far I have had one from SSL and one from 247 moneybox 

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As requested DX

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Regards Mr Lender,

SLL have said I need to contact the original creditor ie Mr Lender so I am about to write the email,

however SSL have reduced the balance.


I've looked into the loans and the time period and can see the following 


June 2015 I took a loan out and paid it off over 3 instalments (June, July, August)


Then I took another one out in September 2015

And made 2 installment payments both in November 2015.


As a result of failed payments the account was defaulted in December 15.


At the time of taking these loans I had 2 active CCJs, 4 Defaults, 1 guarantor loan and by the second loan I also had taken out 2 other payday loans (looking back now I realise how much of a mess I was in)


Looking at my bank account from the time I had numerous failed direct debits to gas/electric etc,

June 1 failed DD

July 1 failed DD

Sept 1 failed DD

Oct 6 failed DD

Nov 2 failed DD

Dec 2 failed DD

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