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    • Start off by clicking this link https://www.consumeractiongroup.co.uk/forum/183-postal-and-delivery-services/ that will take you to the beginning of the sub- forum where you will have all the topics which have been posted – listed. The first 10 or dozen or so titles referred to threads which are "pinned" and that means that they are fixed and they tend to be information threads and are not threads which have been posted by people asking for help. If you cast your eye down the various titles you will start to understand what the subject content of each thread is. Eventually you will get to a shaded bar which is labelled "other topics". That shows you the beginning of the various request for help that have been made by people including yourself. You will probably find your own thread at the top of those or near the top. The order changes according to the most recent which has been posted. Start using the forum more and you will get to understand the pattern. If you don't visit very much then it will always be a stranger to you  
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I started on DMP with stepchange. Can i complain about drafty and 118118 loans for irresponsible lending


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Hello

 

Can i ask some advice

 

I started on DMP with stepchange for all my current loans and credit cards.

 

I was behind with my loans to Natwest who suggested that I can only offer repayment plan if I speak to stepchange or payplan and they will go with their assessment.

 

I was upto date with other loans and credit card except with my bamboo loan and 118118 loan and drafty.

 

Can i file a complain of irresponsible lending to drafty and 118118?

 

Also do I have to request for CCA and all this loans are current.

 

Thanks in advance

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yes you can 

 

 

what are the dates of take out for all the other debt please?

and are all your debts still with the original creditors?

 

 

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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if you had outstanding credit, lots of defaults , missed payments on other credit on your credit file, then you are almost guaranteed to succeed with most PDL companies on an IRL complaint, but only if they still exist...many have already have gone bust due to mass of complaints...:pound:

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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ofcourse.

original creditors dont do court anyway!

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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nope moorgate don't buy debts, who are their stated client?

 

 

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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Share on other sites

dont buy debts either.

 

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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Share on other sites

Irl still goes to the oc regardless to sale or not.

 

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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  • 3 months later...

open

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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Share on other sites

Just want to ask advise I made a complaint for an unaffordable loan with bamboo and they had their final response and offer a settlement. Should I accept the offer.

 

Their offer is the same amount as my remaining balance to be paid.

 

here are my loan details

Loan Reference: .............                                                                                                                  .......

Agreement Date: 14/05/2019                                                                                                          25/10/2019

Loan Advance: £2,000.00                                                                                                                 £629.09

Settlement Amount (to be used to clear any existing Bamboo loan): N/A                              £1,781.38

Interest Amount: £1,483.68                                                                                                             £1,305.60

Total Amount Payable: £3,483.68                                                                                                   £3,716.07

Repayment Term: 24 months                                                                                                          18 months

Monthly Repayment: £145.15                                                                                                          £206.45 

Total Repaid by Customer: £725.75                                                                                                 £2,529.76

Status of Loan: Closed                                                                                                                     Open with TBI

 

Summary from their final response

 

In summary, Bamboo believes it made a fair lending decision in approving your loans after carefully considering your circumstances and affordability and we are therefore unable to uphold your complaint.

 

At the time of your applications, we could only rely on the income, expense, and credit information available to us from third party resources such as TransUnion and the information provided by you. We believe that by providing you with a detailed response to the points you have raised in your complaint, we have demonstrated that each loan was sustainably affordable for you without placing you into financial hardship and that we undertook appropriate and proportionate checks before we agreed to lend to you.

 

We are however surprised and disappointed to hear that you are unhappy with Bamboo agreeing to lend to you and whilst we are happy that we acted appropriately, there is considerable cost to administering complaints such as this.

 

We are therefore prepared to make a goodwill offer with the intention of helping you repay the outstanding loan faster than scheduled.

 

The offer, which is made in in full and final settlement of this complaint in relation to Bamboo loans referenced .... and ...., is to reduce your balance by £1,305.60. This is equivalent to all of the interest on the (current) loan.

 

If you are happy to accept this offer then please confirm your acceptance by replying to this email, we will then ask TBI Financial Services Ltd to update your account accordingly.

 

If you do not currently have a payment plan in place with TBI Financial Services Ltd, then please can we ask that you contact them on 01189 313 800 to discuss.

 

However, if you would like to discuss anything further, please reply to this email at [email protected] or alternatively call us on 02382 140616. We hope that you fully understand the outcome achieved.

 

You have the right to refer your complaint to the Financial Ombudsman Service free of charge, but you must do so within six months of the date of this letter. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.

 

For further details about the Financial Ombudsman Service please visit their website at www.financialombudsman.org.uk/publications/consumer-leaflet.htm. Should you wish us to send you a leaflet with more detail about the service they offer, we would be happy to send you one in the post at your request. We also enclose a copy of our Complaints procedure.

 

Please note our offer will be withdrawn if not accepted within eight weeks, or earlier in the event of a referral to the Financial Ombudsman Service. If you require more time to consider this offer, then please contact us to request an extension.

 

Thanks in advance for any advise

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go to the fos.

 

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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Share on other sites

what do you mean by reversed?

 

have BB have not taken into account all the previous loans ?

 

17 hours ago, Koyem said:

Their offer is the same amount as my remaining balance to be paid.

 

so they've not helped any??

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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Share on other sites

It cant hurt you.

 

They cant 'reverse anything '

 

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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Share on other sites

Which ofcourse they have no way of knowing you are seeing.

block and bounce all emails...report texts as spam to 7726

writing only

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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Share on other sites

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