We made a plaint to quid that is quick 4 months ago, fast quid came back and stated it’s done every thing it must 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 fast quid had made exactly the same offer which I asked for nevertheless 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 stay with it everyone else. Personally I think like IвЂ™m finally straight straight straight back accountable for my entire life.
We have simply gotten a message from QuickQuid providing me personally 500, my goal is to reject it from the foundation that
A. We borrowed over 17,000 up to the 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 have perhaps perhaps not supplied information on exactly just how much financing here ended up being when I asked for the account to be terminated.
C. My mom had to bail me down 1000 to quick quid, we have evidence of the deal, while the proven fact that for a passing fancy time she paid WageDayAdvance 700 and paydayexpress 500, which ultimately sjust hows simply how much difficulty I became in.
D. 500 is bull crap
Are you experiencing experience of anybody seeking a merchant account to be terminated yet the lending company proceeded to provide? Will there be a true point of legislation to the impact? Certainly there is certainly a duty never to lend further whenever account happens to be expected to be closed?
I would personally actually appreciate any assistance with this, i will fight and just take this into the ombudsman.
Sara (Financial Obligation Camel) says
Hi Tommy, shockingly reckless financing. You donвЂ™t need certainly to quote a true point of legislation, the Ombudsman talks about what’s reasonable 🙂
Many thanks for the answer, this is exactly what they pennedвЂ¦
Although we offered re payment support to you our documents further suggest that your particular demand to completely shut your account had not been honored.
We donвЂ™t keep in mind them payment that is offering either! Must I compose for them to inform them we reject their offer and you will be referring the situation to your ombudsman?
I must say I wish to know just how much We borrowed when I asked for the account to be closed. Certainly they should offer this? It is planning to be over 10,000вЂ¦
Do you consider We have a case that is decent the ombudsman?
Actually appreciate your assistance with this, many thanks.
Prior to going to the Ombudsman write to your CEO of fast Quid over here, youвЂ™ll find the e-mail addresses from the FCA register it is under EuroCash. In addition composed towards the CEO in United States whom heads the moms and dad pany (CashAmerica) to quick quid. That address can be found by you 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 also got the real history after that. Whenever do you sign up for very first loan? Mine ended up being 2008 and I also examined their application page kind that time on the Method Back whenever Machine Inter archive plus it show no questions regarding credit mitments or outgoings were ask. We additionally examined my account information on their system as of this moment and you may begin to see the relevant concerns they added recently includes outgoings and credit mitment questions. Then in all honesty I canвЂ™t see how you would get anywhere if you have answered those questions. In addition to the loans whenever you request they cancel your bank account plus they didnвЂ™t. I really 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. Best of luck s
Sara (Debt 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 soвЂ¦ that is simple may well not have grasped or understood exactly just exactly what the numbers were вЂ“ as a financial obligation consultant i understand how few individuals have actually a precise 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 mad letters on Monday and determine what their move that is next is. We shall help keep you published, thanks once more. Tom
Completely understand Sara. I obtained my information as IвЂ™ve possessed a appearance regarding the quantity of upheld plaints against the one which had been refused. The main reason we state so it perhaps reject for that is as a result of 2 instances we read regarding the ombudsman decisions had been that the customer was expected the questions regarding credit mitments and outgoings from the new QQ application form. The FOS took it that QQ accepted the consumer based on exactly just exactly what information the client provided. Then that is the fault of the customer not QQ if those figure were inaccurate. From the this 1 since it is exactly what prompted us to check out the long ago whenever device to see if i acquired it incorrect and additionally they did ask, fortunately I happened to be appropriate they didnвЂ™t. The FOS worked in extremely mystical methods for the reason that what one adjudicator would search for to upheld another will put it to use 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 form 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 well worth checking which one ended up being completed. Best Of Luck
I 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, liquor and gambling issue that thankfuly I have actually put aside. If some body asks to provide you 1000 at four each day, would any person that is sane you that? ItвЂ™s not in regards to the cash for me personally, itвЂ™s for my health. I would like them to understand it wasnвЂ™t okay and additionally they took benefit of me personally. 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