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Irresponsible lending amigo.loans - too late for ombudsmen unless valid.reason

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Looking for advice.  Amigo loans gave  me a guarantor loan when my credit file was extremely low 8-10 defaults.  


I complained to them about 18 months ago and they issued a final response saying they did nothing wrong.  And j didn't take.it further as I.didnt know what to do.  


I have now been advised I should take my case up with the ombudsmen which I did but have been told it is too late for them as amigo issued their final response 18 months previous . The only way they could investigate if I had a valid reason why I didn't escalate this to them within the valid time line 


Any ideas what reason i can give 😂😂

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i can't see one..

nearly all the irresponsible lending advice/guides i've seen and the letter they sent back would have told you what to do going forward, i'e the FOS... so i can't see how you can say you didn't know what to do.

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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