We donвЂ™t believe they ought to have done this?
I recommend you answer asking why they sold loans that have been in dispute? And say you will be sending your entire complaint to the Financial Ombudsman and also complaining about their action in selling the disputed loans if they do not offer to refund/settle these loans.
We have delivered listed here to themвЂ¦ Hopefully going to get an optimistic reactionвЂ¦
Please can you advise why when I had lodged a issue with yourselves, that the next loans *******, ******** and ******* were subsequently obsessed about to Asset Collections & Investigations Limited even though they were in dispute. Personally I think which you have acted unfairly in performing this.
We request which you have sold these loans whilst in they were in dispute that you offer to refund all interest payments made and settle the outstanding loans otherwise I have no choice but to send my entire complaint to the Financial Ombudsman, also complaining.
From your own e-mail that I applied for the loans below you state that my credit score with Experian was up to 552, however my credit score with other Credit Reference Agencies show that my credit score was averaging between 65 to 136 at the time.
Waiting for to know away from you at your earliest with a confident reaction.
a tiny up date on my progress.
initially padyday uk and payday express both refused my problem schedule started October this past year took their 8 months submitted to FOS adjudicator took 3 days to locate within my favour for several loans removed, both businesses took another four weeks to respond accepted reckless financing on a couple of my loans offered ВЈ400 and ВЈ500 we declined took to Ombudsman who upheld my problem this took until mid April was Sent and email from payday british two months later asking for bank details, they sent me personally a contact informing me personally associated with the quantities I happened to be due ВЈ1,400 and ВЈ1,900 compensated into my account the exact same time. they are certainly one of my smaller loan providers so a fantastic outcome.
one other loan providers been assigned to adjudicators but i will be now choosing the e-mails I deliver or perhaps the timescales have become longer this maybe as a result of demands? its worthwhile into the run that is long.
I’ve a relevant concern and never sure if anybody can answer, there appears to be some security when it comes to banking institutions? We took down a debt consolidating loan with Santander my debt worse took away another and another We decided to go to Santander took down loan but still progressed my debts We took away another consolidation loan 5 months later on increasing this to ВЈ10,000. on top of that they constantly allowed me personally to increase my overdraft it went from ВЈ1000 as much as ВЈ5000, they argue various parts of the business various checks, all my banking had been done through the corporation that they had quick access to my records they do say their checks had been done through computer, we offered a good example to your adjudicator associated with the thirty days before we took the ВЈ10,000 loan my salary into my account had been ВЈ1800 nonetheless it rang no alarm bells with Santander that the full total monies into my account that month had been ВЈ6,800 it was comprised of my salary ВЈ2400 from pdl and the others taken on from gambling deals. I had never really had per month I happened to be perhaps not minus fascination with my account(I happened to be constantly within my overdraft and a many occasions receiving overdraft that is unauthorised), within my reaction through the adjudicator that they had discovered the payday loan providers had lent for me irresponsibly in every loans right away, they stated my away goings had been ВЈ4,000 each month a lot more than my income, they reported into the choice that credit checks are not sufficient nonetheless they are finding that the lender has been doing no wrong.
I’m very sorry I understand this if for pay day loans but this 1 is confusing me personally during my eyes Santander are since accountable because the pdl , i’ve appealed your choice for the adjudicator and taken this into the Ombudsman.