Completely realize Sara. I acquired my information as IвЂ™ve had a appearance regarding the quantity of upheld plaints against the one which had been refused. The main reason 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 just exactly what information the consumer provided. If those figure had been inaccurate then this is the fault associated with the consumer maybe not QQ. From the this 1 since it is just what prompted me personally to look at the in the past whenever device to see if i acquired it incorrect in addition they did ask, luckily I became appropriate they didnвЂ™t. The FOS worked in really mystical methods for the reason that what one adjudicator would search for to upheld another will utilize it to reject. Constantly well worth a spin however because what your ine and outgoings had been in the 1st application could possibly be completely different the month that is next. QQ demonstrably knew their application back 2008 вЂ“ 2011 had been insufficient it to include outgoings and credit mitments but I couldnвЂ™t find out when they changed it because they changed. ThatвЂ™s why it’s worth checking which one ended up being done. All The Best
We kinda think that regardless of the actual fact that We borrowed over 17000 using them , rolled them over on a monthly basis for 36 months, had numerous loans along with other lenders, asked them to shut my account however they didnвЂ™t, destroyed a gf as a result of it, ended up being suicidal, We donвЂ™t care exactly what anybody states it had been reckless and I also would like them to acknowledge it. I’d a medication, liquor and gambling issue that thankfuly I have left out. If somebody asks to provide you 1000 at four each morning, would any sane person provide you that? It is not really in regards to the cash itвЂ™s for my wellbeing for me. I’d like them to learn it wasnвЂ™t okay plus they took advantageous asset of me personally. They could stick 500 i will cause them to become feel a little bit of discomfort the way that is same did. Sorry to rant, drops mic
We made a plaint to quid that is quick 4 months ago, fast quid came back and stated this has done every thing it will have. I wasnвЂ™t pleased and took it towards the Financial ombudsman, after about 30 days 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 nonetheless they declined.
All interest refunded, 8% and all sorts of entries deleted from my credit report and so I is supposed to be getting simply over 2500 from their store for the amount of 2010 to provide.
So stay with it everybody else. Personally I think like IвЂ™m finally straight straight back in charge of my entire life.
We have simply payday loans OK gotten a contact from Quick Quid offering me personally 500, i will reject it in the foundation that
A. I borrowed over 17,000 up to the point that I inquired for my account to be terminated.
B. They admit that they continued to lend to me (I was in a bad place) after I requested my account to be cancelled,. They will have perhaps maybe not supplied information on exactly how lending that is much ended up being once I asked for the account to be cancelled.
C. My mom needed to bail me down 1000 to quid that is quick We have evidence of the deal, while the undeniable fact that on a single time she paid WageDayAdvance 700 and paydayexpress 500, which will show how much difficulty I happened to be in.
D. 500 is bull crap
Have you got experience of anyone requesting a free account to be terminated yet the lending company proceeded to provide? Will there be a true point of legislation to the effect? Clearly there is certainly a duty not to lend further if the account was asked to be closed?
I would personally really appreciate any assistance with this, my goal is to fight and just simply take this towards the ombudsman.
Sara (Financial Obligation Camel) says
Hi Tommy, shockingly reckless financing. You donвЂ™t need to quote a true point of law, the Ombudsman talks about what exactly is reasonable 🙂
Many thanks for the reply, this is exactly what they wroteвЂ¦
Although we offered payment help to further you our records suggest that the request to completely shut your account had not been honored.
We donвЂ™t keep in mind them providing repayment help either! Must I compose for them to share with them we reject their offer and you will be referring the problem towards the ombudsman?
I truly need to know exactly how much We borrowed once I asked for the account to be closed. Clearly they should offer this? It is gonna be over 10,000вЂ¦
You think i’ve a case that is decent the ombudsman?
Actually appreciate your assistance with this, many thanks.