I made a plaint to fast quid over 4 months ago, fast quid came ultimately back and stated it offers done every thing it will have. I wasnвЂ™t pleased and took it towards the Financial ombudsman, after about 30 days waiting around for an adjudicator I became given one who contact me and did quid that is quick made similar offer that I asked for nevertheless they declined.
All interest refunded, 8% and all sorts of entries deleted from my credit report therefore I is going to be getting simply over 2500 from their store when it comes to amount of 2010 to provide.
So stick to it everyone else. Personally I think like IвЂ™m finally back accountable for my entire life.
I’ve simply gotten a contact from QuickQuid offering me personally 500, my goal is to reject it regarding the basis 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 when I asked for my account to be terminated, they continued to provide if you ask me (I became in a negative destination). They will have perhaps perhaps not supplied information on just just just how lending that is much had been when I asked for the account to be terminated.
C. My mother needed to bail me away 1000 to quick quid, we have evidence of the deal, plus the undeniable fact that for a passing fancy time she paid WageDayAdvance 700 and paydayexpress 500, which ultimately sexactly hows simply how much difficulty I became in.
D. 500 is a tale
Have you got experience of anybody seeking a free account to be terminated yet the lending company continued to provide? Will there be point of legislation to the effect? Undoubtedly there clearly was a duty not to lend further if the account has been expected to be closed?
I would personally actually appreciate any assistance with this, my goal is to fight and take this into the ombudsman.
Sara (Financial Obligation Camel) says
Hi Tommy, shockingly irresponsible financing. You donвЂ™t need certainly to quote a true point of law, the Ombudsman talks about what exactly is reasonable 🙂
Many thanks for the answer, this is exactly what they wroteвЂ¦
Although we offered re payment support to further you our records suggest that the demand to completely shut your account had not been honored.
We donвЂ™t keep in mind them payment that is offering either! Can I compose for them to inform them we reject their offer and will also be referring the situation towards the ombudsman?
I must say I wish to know exactly how much We borrowed once I asked for the account to be closed. Certainly they should offer this? ItвЂ™s gonna be over 10,000вЂ¦
Do you believe We have a case that is decent the ombudsman?
Actually appreciate your assistance with this, many thanks.
Before going to the Ombudsman write to your CEO of fast Quid over here, youвЂ™ll find the e-mail addresses regarding the FCA register it is under EuroCash. I additionally had written to your CEO in United States whom heads the moms and dad pany (CashAmerica) to quick quid. You will find that target at lead411. You are more then entitled to your loan history IMO you have an excellent case and. Have actually you attempted signing into the fast quid account, i did so and I got a brief history after that. Whenever did you sign up for very first loan? Mine was 2008 and I also examined their application page kind that time on the means Back whenever Machine Inter archive and it show no questions regarding credit mitments or outgoings had been ask. We also examined my account information on their system as of this moment and you may look at relevant concerns they added recently includes outgoings and credit mitment concerns. When you yourself have answered those concerns then to tell the truth We canвЂ™t observe you’ll get anywhere. Aside from the loans whenever you request they cancel your 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. You first opened your account screenshot it then try to log into the your account and check your account details, that will also give you your loan history as I said have a look at the Way Back when machine to see what the application page looked like when. All the best s
Sara (Financial Obligation Camel) says
Hi Louise, a lot of helpful information in there.
Nevertheless the concern of whether вЂњlyingвЂќ on a software stops a plaint being made is not so easyвЂ¦ People may well not have grasped or understood exactly exactly what the numbers were вЂ“ as being a financial obligation consultant i understand exactly how few individuals have actually a detailed notion 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 whatever you assist. I shall compose some furious letters on Monday to check out just exactly what their next move is. We shall help keep you published, thanks once more. Tom
Completely realize Sara. I obtained my info as IвЂ™ve possessed an appearance in the number of upheld plaints against one that had been refused. The reason why I say 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 basis of what information the client offered. If those figure had been inaccurate then that’s the fault regarding the consumer perhaps not QQ. From the that one 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 really mystical means in that what one adjudicator would search for to upheld another will make use of it to reject. Constantly well well worth a spin though because what your ine and outgoings had been in the 1st application might be completely different the next month. QQ clearly 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 really is checking that is worth one had been completed. All The Best
We kinda think that regardless of the very fact that I borrowed over 17000 with them , rolled them over each month for three years, had numerous loans along with other loan providers, asked them to shut my account however they didnвЂ™t, lost a girlfriend as a result of it, ended up being suicidal, We donвЂ™t care exactly what anybody states it had been irresponsible and I also would like them to acknowledge it. I’d a medication, gambling and alcohol issue that thankfuly I have actually put aside. If someone asks to lend you 1000 at four each morning, would any sane person provide you that? It is not really concerning 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 could 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