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    • Hi Stormy   I do wish you good luck but I'd urge you not to get over-optimistic about a letter from your GP having any bearing on the outcome of this.  I do not share London1971's view that such a letter will assist you in defending the claim against you - unless you are suggesting that the diagnosis is so bad that you aren't functioning - in which case you probably ought not to be working.  Is your GP going to say that you can't be held liable for a breach of contract, but that you're perfectly OK to continue working and to make significant decisions in other areas of your life?  I don't know.   Also, I'm uncertain where the question of bullying and harassment first surfaced in this thread.  You engaged them on a NWNF basis to pursue a claim for you.  Apparently they contacted (or attempted to contact) you a lot - certainly more than you felt necessary or were comfortable with, and you ended up deciding to discontinue the case.  But were they harassing you?  Again, I simply don't know because I wasn't there - only you were.  Most people complain that they don't have enough contact from their solicitors, not that they are being harassed by being contacted too often.   And I'm not sure where the bullying comes from?  They're suing you because they think you are in breach of contract and that you owe them the costs and expenses they've already incurred - and that they cannot now recover from the other party because you decided to discontinue the case.  I'm no particular supporter of law firms but, unlike some people, I don't have "anti-lawyer" as a default setting.  If they've genuinely incurred costs acting on your behalf and in your interests, then I think they've got a more than fair case to recover those costs.  Threatening to sue you or actually suing you isn't necessarily bullying.   I honestly think your best chance of success is questioning the level and extent of costs and expenses they claim to have incurred and try to reach a mutually acceptable settlement.   As I've said before, I'm not intending to be critical of you in any way and I'm really sorry that all this (the original accident, hassle with the lawyers and now them suing you) seems to have contributed to all the stress you have to bear.  I'm really just interested in ensuring that you can see this problem from all points of view and that you don't place too much reliance on an approach that I think has only very limited chances of success.  (But of course - as London1971 has pointed out - there's no harm in getting a GP's letter anyway AND preparing a legal defence like BankFodder is suggesting AND preparing to think about settling.  They aren't all mutually exclusive and you should keep as many irons in the fire as you can.  Use belt and braces and don't just rely on one).   Anyway.  Good luck.  I'm frequently wrong and you may win outright!
    • I would go with the following....please feel free to amend or add.   WITNESS STATEMENT OF Baycloves.pdf  
    • I think it would be prudent to stick with a realistic objective and that is the hundred and £69 which you you can apparently support by means of evidence. You originally said that you could have sold them for four times – £400 and I think this is certainly unrealistic. If you had some official evaluation of the books from an independent source then you would have stood a good chance but as the books have gone, I think your fallback is the £169
    • Hi  I don't have an issue going all the way - The only question I would have would be whether I could expect to recover the resale value or whether it would be best to concede this is unlikely. I can prove to some extent the expected resale value but not as readily as the prices originally paid. 
    • doubt if one telecom default would hurt anything even with prime lenders..
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morphster

Amigo Loans - Final Response Issued

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I'm after some advice.

 

I took out an Amigo Loan in 2017 and sadly had to top it up in 2018 totalling to £8,000 borrowed.

I submitted an affordability complaint January 2020 and finally got a final response from them 2 weeks ago.

They offered almost £5,000 redress.

 

Having looked at the appendices at the bottom of the email with the amount still outstanding on the loan it gave me a total cash refund of £1,179.19.

The complaint was with the financial ombudsman also at the time of receiving this offer.

I called the adjudicator and he looked over the final response and agreed that the amount offered was fair and it was unlikely to change.

I called Amigo Loans back and accepted the offer in the final response.

 

Last Friday i received a credit in my personal account of £375.19.

I immediately contacted Amigo Loans and after several hours of waiting the complaint handler called me back and asked how she could help.

I explained the redress paid back to me was some £800 short of the accepted offer and i'd received no correspondence to suggest the figures were incorrect.

 

She went on to tell me how she personally had made an error in the calculations and as such i wasn't entitled to the £1,179.19 and that i was only entitled to what i'd received.

 

She offered £100 goodwill payment given it was a mistake however I naturally asked her not to insult me and didn't take the offer of goodwill.

I'm waiting for the financial ombudsman to get back to me.

 

Am i likely to get what was addressed to me on the original email or am I better off leaving it where it is 

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Topic moved to   PayDay loans and Short Term loans - General Forum.....please continue to post here to your thread.

 

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who knows

thats for the fos to decide

if they did actually look into it properly

or just decided that the £1200 refund addressed any issues that might be there suitably enough without looking further into it.

 

now they might.

 

 


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.

 

 

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The redress calculation is pretty straightforward- from my understanding it should consist of all interest payments made servicing the loans that are being remediated with the addition of 8% annual interest. They will deduct 20% of the additional 8% Interest for tax purposes. They will deduct this number from the outstanding loan balance that you have. 
 

tbh- I don’t think there is much scope to get more money if there has been a calculation error. The redress amount has little scope for discretion. It’s just irritating that you were told the wrong number in the first place. 

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