Completely understand Sara. I obtained my information as IвЂ™ve had a appearance from the level of upheld plaints against one that had been refused. The reason why we 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 client on such basis as exactly just just what information the client offered. If those figure had been inaccurate then that’s the fault associated with the client maybe not QQ. From the this 1 if I got it wrong and they did ask, luckily I was right they didnвЂ™t because it is what prompted me to check the way back when machine to see. The FOS worked in extremely mystical methods for the reason that what one adjudicator would look for to upheld another will make use of it to reject. Constantly well well worth a spin however because what your ine and outgoings had been in the 1st application could possibly be completely different the next thirty days. QQ demonstrably knew their application back 2008 вЂ“ 2011 had been insufficient simply because they changed it to incorporate outgoings and credit mitments but i really https://cartitleloansextra.com/payday-loans-va/ couldnвЂ™t learn once they changed it. ThatвЂ™s why it really is well worth checking which one ended up being completed. Best Of Luck
We kinda think that aside from the actual 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 drug, 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 person that is sane you that? It is not in regards to the cash itвЂ™s for my wellbeing for me. I’d like them to learn they took advantage of me that it wasnвЂ™t ok and. They are able to stick 500 my goal is to cause them to become feel a little bit of discomfort the same manner we did. Sorry to rant, drops mic
We made a plaint to fast quid over 4 months ago, fast quid came ultimately back and stated this has done every thing it will have. I wasnвЂ™t pleased and took it towards the Financial ombudsman, after about four weeks looking forward to an adjudicator I became given one who contact me personally and did quid that is quick made the exact same offer that we asked for however they declined.
All interest refunded, 8% and all sorts of entries deleted from my credit report for the period of 2010 to present so I will be receiving just over 2500 from them.
So stick to it everybody. Personally I think like IвЂ™m finally straight back in charge of my entire life.
We have simply gotten a message from Quick Quid providing me personally 500, i will reject it in the foundation that
A. We borrowed over 17,000 up to the true point that We asked for my account to be terminated.
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 will have maybe maybe not supplied information on just how much financing here ended up being when I asked for the account to be terminated.
C. My mom needed to bail me away 1000 to quick quid, We have evidence of the deal, together with undeniable fact that for a passing fancy time she paid WageDayAdvance 700 and paydayexpress 500, which will show simply how much difficulty I became in.
D. 500 is a tale
Are you experiencing experience of anybody requesting a free account to be terminated yet the lending company proceeded to provide? Will there be point of legislation to the impact? Certainly there clearly was an obligation not to lend further as soon as the account is expected to be closed?
I would personally really appreciate any help with this, my goal is to fight and simply take this into the ombudsman.
Sara (Debt Camel) says
Hi Tommy, shockingly reckless financing. You donвЂ™t need certainly to quote point of law, the Ombudsman talks about what exactly is reasonable 🙂
Many thanks for the response, itвЂ™s this that they pennedвЂ¦
Although we offered re payment support to further you our records suggest that the demand to completely shut your account wasn’t honored.
We donвЂ™t keep in mind them providing repayment help either! Must I compose for them to inform them we reject their offer and will also be referring the problem into the ombudsman?
I truly wish to know simply how much We borrowed when I asked for the account to be closed. Undoubtedly they should provide this? It is planning to be over 10,000вЂ¦
Do you consider i’ve a case that is decent the ombudsman?
Actually appreciate your assistance about this, many thanks.