We made a plaint to quick quid over 4 months ago, fast quid came ultimately back and stated this has done everything it will have. I wasnвЂ™t pleased and took it towards the Financial ombudsman, after about 30 days awaiting an adjudicator I became given one who contact me personally and did quid that is quick made the exact same offer that I asked for nevertheless they declined.
All interest refunded, 8% and all sorts of entries https://cashusaadvance.net/payday-loans-tn/ deleted from my credit history for the period of 2010 to present so I will be receiving just over 2500 from them.
So stay with it everyone else. Personally I think like IвЂ™m finally straight back in charge of my life.
We have simply gotten a message from Quick Quid providing me personally 500, my goal is to reject it in the foundation that
A. We borrowed over 17,000 up to the point that I asked for my account to be cancelled.
B. They acknowledge that they continued to lend to me (I was in a bad place) after I requested my account to be cancelled,. They usually have perhaps perhaps perhaps not supplied information on exactly exactly how much financing here ended up being when I asked for the account to be terminated.
C. My mom needed to bail me down 1000 to quid that is quick we have proof of the deal, in addition to proven fact that for a passing fancy time she paid WageDayAdvance 700 and paydayexpress 500, which shows simply how much difficulty I happened to be in.
D. 500 is a tale
Are you experiencing experience of anybody asking for a free account to yet be cancelled the lending company continued to lend? can there be point of legislation to the impact? Certainly there clearly was an obligation not to lend further if the account happens to be expected to be closed?
I might actually appreciate any assistance with this, my goal is to fight and simply simply simply take this towards the ombudsman.
Sara (Financial Obligation Camel) says
Hi Tommy, shockingly reckless financing. You donвЂ™t need certainly to quote point of legislation, the Ombudsman talks about what exactly is reasonable 🙂
Many thanks for the answer, itвЂ™s this that they pennedвЂ¦
Although we offered re re payment help to you our documents further indicate that the demand to completely shut your bank account had not been honored.
We donвЂ™t keep in mind them providing payment support either! Must I compose in their mind to share with them I reject their offer and will also be referring the situation towards the ombudsman?
I truly wish to know simply how much We borrowed once I asked for the account to be closed. Clearly they should offer this? It is likely to be over 10,000вЂ¦
Do you consider We have a decent situation for the ombudsman?
Actually appreciate your assistance about this, many thanks.
Prior to going to the Ombudsman write to your CEO of Quick Quid over here, youвЂ™ll find the e-mail addresses regarding the FCA register it is under EuroCash. We additionally had written towards the CEO in United States whom heads the moms and dad pany (CashAmerica) to quid that is quick. That address can be found by you at lead411. IMO you’ve got a fantastic situation and you’re more then eligible to your loan history. Have actually you attempted signing into the fast account that is quid used to do and I also got a brief history after that. Whenever do you remove very first loan? Mine had been 2008 and I also examined their application page form that time on the means Back When Machine Inter archive and it show no questions regarding credit mitments or outgoings had been ask. I additionally examined my account information on their system as of this moment and you will begin to see the relevant concerns they added recently includes outgoings and credit mitment concerns. When you yourself have answered those concerns then to be honest We canвЂ™t observe you’ll get anywhere. Besides the loans whenever you request they cancel your bank account and so they didnвЂ™t. I possibly could be incorrect but IMO then maybe you would have a case, if however you didnвЂ™t and you lied to get the credit then no you wouldnвЂ™t if those questions were answered truthfully and they lent to you. When I said check out just how when device to see just what the application form page appeared as if when you first exposed your account screenshot after that it you will need to log to the your account and look your account details, that may additionally offer you your loan history. Best of luck s
Sara (Financial Obligation Camel) says
Hi Louise, a lot of helpful information in there.
However the concern of whether вЂњlyingвЂќ on a credit card applicatoin stops a plaint being made is not soвЂ¦ that is simple may well not have grasped or understood just exactly what the numbers were вЂ“ as a financial obligation consultant I’m sure exactly exactly how few individuals have actually an exact concept of their outgoings. The borrower had entered if someone borrows frequently with small gaps between the lender should have spotted that as a sign of distress whatever numbers.
Actually appreciate all that you assist. i shall compose some furious letters on Monday and determine just just exactly what their next move is. We shall help keep you published, thanks once more. Tom
Completely realize Sara. I acquired my information as IвЂ™ve had a appearance in the number of upheld plaints against one that had been refused. The main reason I state I read of the ombudsman decisions was that the consumer had been asked the questions about credit mitments and outgoings on the new QQ application form that it maybe reject for that is because of 2 cases. It was taken by the FOS that QQ accepted the consumer on the foundation of what information the client offered. Then that is the fault of the customer not QQ if those figure were inaccurate. I recall this 1 since it is just what prompted us to look at the in the past whenever device to see if i acquired it incorrect and so they did ask, fortunately I became appropriate they didnвЂ™t. The FOS worked in extremely mystical means for the reason that what one adjudicator would search for to upheld another will make use of it to reject. Constantly well worth a spin however because what your ine and outgoings had been in the first application might be completely different the month that is next. QQ clearly knew their application back 2008 вЂ“ 2011 had been insufficient since they changed it to add outgoings and credit mitments but I couldnвЂ™t discover if they changed it. ThatвЂ™s why it’s checking that is worth one had been filled out. All The Best
We kinda think that aside from the very fact over every month for 3 years, had multiple loans with other lenders, asked them to close my account but they didnвЂ™t, lost a girlfriend because of it, was suicidal, I donвЂ™t care what anyone says it was irresponsible and I want them to admit it that I borrowed over 17000 with them , rolled them. I’d a medication, gambling and alcohol issue that thankfuly I have actually put aside. If some body asks to provide you 1000 at four each morning, would any sane person provide you that? ItвЂ™s not really concerning the cash itвЂ™s for my wellbeing for me. I’d like them to understand it wasnвЂ™t okay in addition they took benefit of me. They are able to stick 500 my goal is to cause them to feel a little bit of discomfort the way that is same did. Sorry to rant, drops mic