I made a plaint to quid that is quick 4 months ago, fast quid came ultimately back and stated this has done every thing it must have. I wasn’t pleased and took it towards the Financial ombudsman, after about four weeks waiting around for 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 deleted from my credit report and so I is getting just over 2500 from their store for the amount of 2010 to provide.
So stay with it everybody. Personally I think like I’m finally straight right right back in charge of my entire life.
I’ve just gotten a message from QuickQuid providing me personally 500, i will reject it from 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 once I asked for my account to be terminated, they proceeded to provide in my opinion (I happened to be in a negative destination). They will have maybe not supplied details of how much financing here had been when I asked for the account to be terminated.
C. My mother needed to bail me down 1000 to quid that is quick 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 sjust hows how much difficulty I became in.
D. 500 is a tale
Have you got experience of anybody requesting a free account to be cancelled yet the lending company continued to provide? Can there be point of law to the impact? Certainly there was an obligation never to lend further if the account is expected to be closed?
I might actually appreciate any assistance about this, i will fight and just just simply take this towards the ombudsman.
Sara (Financial Obligation Camel) says
Hi Tommy, shockingly reckless lending. You don’t need certainly to quote point of law, the Ombudsman talks about what’s reasonable 🙂
Many thanks for the response, this is exactly what they penned…
Although we offered re re re payment help to further you our records suggest that the demand to completely shut your account had not been honored.
We don’t keep in mind them payment that is offering either! Can I compose in their mind to inform them we reject their offer and will also be referring the situation into the ombudsman?
I must say I need to know simply how much We borrowed when I asked for the account to be closed. Certainly they should offer this? It is likely to be over 10,000…
Do you consider We have a decent case for the ombudsman?
Actually appreciate your assistance about this, many thanks.
Before going to your Ombudsman write towards the CEO of fast Quid over here, you’ll find the e-mail addresses regarding the FCA register it is under EuroCash. We additionally penned into the CEO in United States whom heads the moms and dad pany (CashAmerica) to quid that is quick. You’ll 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 logging into the fast account that is quid used to do and I also got the real history after that. Whenever do you sign up for very first loan? Mine had been 2008 and I also examined their application page kind that time on the means Back whenever Machine Inter archive plus it show no questions about credit mitments or outgoings were ask. We additionally examined my account details on their system currently and you may understand concerns they added recently includes outgoings and credit mitment questions. When you yourself have answered those concerns then to be honest I can’t observe how you’ll get anywhere. In addition to the loans once you request they cancel your account in addition they didn’t. I possibly could be incorrect but IMO then maybe you would have a case, if however you didn’t and you lied to get the credit then no you wouldn’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 (Financial Obligation Camel) says
Hi Louise, a lot of helpful information in there.
Nevertheless the concern of whether “lying” on a credit card applicatoin stops a plaint being made is not so easy… People may well not have grasped or understood exactly just what the numbers were – as a financial obligation consultant I’m sure exactly how few individuals have actually a precise 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 anything you assist. I am going to compose some upset letters on Monday to check out just exactly exactly what their move that is next is. We will help keep you published, thanks once more. Tom
Completely realize Sara. I obtained my information as I’ve possessed an appearance regarding the level of upheld plaints against one that had been refused. The main reason we state so it possibly reject for that is due to 2 situations we read regarding the ombudsman choices had been that the consumer was indeed expected the questions regarding credit mitments and outgoings regarding the brand new QQ application form. The FOS took it that QQ accepted the consumer on the foundation of just exactly 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 didn’t because it is what prompted me to check the way back when machine to see. 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 1st application might be completely different the month that is next. QQ clearly knew their application back 2008 – 2011 had been insufficient since they changed it to incorporate outgoings and credit mitments but i really couldn’t discover once they changed it. That’s why it really is well worth checking which one ended up being completed. Best Of Luck
We kinda think that regardless of the very fact over every month for 3 years, had multiple loans with other lenders, asked them to close my account but they didn’t, lost a girlfriend because of it, was suicidal, I don’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 left out. If somebody asks to lend you 1000 at four each day, would any person that is sane you that? It is not concerning the cash in my situation, it is for my health. I’d like them to understand they took advantage of me that it wasn’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