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    • We probably signed it around Oct 2018 On the original sofa we received back in jan 2019. Harvey’s agreed to replace that one as it basically fell apart within months so the replacement was on the same agreement which we ordered October 2019 We have around £900 outstanding on the finance.     
    • Well don't think I'm being territorial about it, but you come to us for help and then you use templates and advice from other organisations. I don't understand why you mix and match. 28 days is far too long – especially given the difficulties you have had so far. Pre-action protocol only requires 14 days. The 28 day now takes you slap into Christmas and New Year's et cetera and causes additional complications. You should understand that organisations like Which?, Citizens Advice and so forth are all very well but their approach is far too gentle and am afraid that to deal with companies or traders that won't honour their consumer obligations to you, you need to be assertive and keep them on the back foot. I'm not too sure how you think that giving the breeder 28 days rather than 14 days places you at any kind of advantage or that the breeder is likely to be more cooperative. Short, rigid deadlines are far more likely to keep your potential defendant focused on the issues. You have sent the 28 day letter now so there's nothing you can do about it. However I think you need to settle on where you are going to take your advice from and stick with it. We are quite happy to stand aside – and it would be better if you did decide because unlike Which? and citizens Advice we don't get paid and we put our effort in for free.
    • well that's is not correct when did you first report issues and when did you sign the agreement with creation (who will state anything to keep you paying)   dx  
    • Harvey’s have told us we have to keep paying. Bensons for beds told us we would get a refund but apparently they are wrong. We are waiting to hear back from the finance company but Harvey’s also said we would likely get the same reply as the contracted payment is with creation 
    • it's not.   who is stating keep paying? the separate finance co?   dx
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SafetyNet Credit - Affordability Complaint - Upheld but need advice


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I complained to a lender about not carrying out the proper affordability checks, there was a balance at the time of around £600 - the complaint was upheld in my favour and they agreed to redress all of the interest paid plus 8% but are telling me i need to pay the principal balance of £300 which is the amount borrowed without any interest.

 

They continue saying that if i do not accept this response and organise a way to pay, then the whole will become payable. Adding that any adverse markers on my credit file will be removed (this hasn't happened yet and the complaint was upheld in Feb 2020) but not if i don't accept. 

 

My questions are:

 

1. If they have upheld and agreed that they shouldn't have loaned the money as an irresponsible lender, shouldn't the debt be wiped?

2. Any adverse credit markers should be removed regardless of me replying or confirming that i accept their terms?

 

I feel like it is a tactic for them to at least get something back from me...

 

My ignorance presumed that if they agreed with my complaint then i should be back in the position before they even loaned the money to me...

 

Thank you

Edited by medievil2003
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who please?

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • dx100uk changed the title to SafetyNet Credit - Affordability Complaint - Upheld but need advice

thank you.

 

so did you actually ever pay anything toward the debt?

if not all they are doing is removing everything bar the original £300 you wanted.

you still sadly owe that money...

 

3 hours ago, medievil2003 said:

and they agreed to redress all of the interest paid plus 8%

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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think we need to full history of your borrowing from safetynet please.

 

it could be a case of at the time of your original borrowing you had no issues..

so the £300 is the original borrowed sum,

 

if you did indeed borrow more from them, which they deemed irresponsible, that could explain it .

 

please scan up their reply to one multipage PDf

read upload Carefully 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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