Completely realize Sara. I acquired my information as IвЂ™ve possessed a appearance from the level of upheld plaints against the one which had been refused. The main reason we state it perhaps reject for that is due to 2 situations we read regarding the ombudsman choices ended up being that the customer was expected the questions regarding credit mitments and outgoings from the brand new QQ application form. The FOS took it that QQ accepted the consumer on the cornerstone of what information the consumer provided. If those figure were inaccurate then that’s the fault regarding the client perhaps not QQ. I recall 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 really mystical means in 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 were in the 1st application could possibly be completely different the next thirty days. QQ obviously 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 had been completed. Best Of Luck
We kinda think that regardless of 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 had a medication, liquor and gambling issue that thankfuly I have actually left out. If someone asks to provide you 1000 at four each morning, would any sane person provide you that? It is not concerning the cash itвЂ™s for my wellbeing for me. I want them to learn it wasnвЂ™t okay in addition they took advantageous asset of me. They are able to stick 500 my goal is to cause them to feel a bit of discomfort the way that is same did. Sorry to rant, drops mic
We made a plaint to quick quid over 4 months ago, fast quid came ultimately back and said it’s done every thing it will have. I wasnвЂ™t pleased and took it into the Financial ombudsman, after about 30 days waiting around for an adjudicator I became given one who contact me personally and did fast quid had made exactly the same offer that I 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 stay with it everybody else. Personally I think like IвЂ™m finally straight right right back in charge of my entire life.
We have simply gotten a message from Quick Quid providing me personally 500, my goal is to reject it regarding the basis that
A. We borrowed over 17,000 up to the point that I inquired 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 perhaps not supplied information on exactly just exactly how lending that is much ended up being when I asked for the account to be terminated.
C blog. My mom needed to bail me down 1000 to quid that is quick we have proof of the deal, in addition to undeniable fact that for a passing fancy day she paid WageDayAdvance 700 and paydayexpress 500, which ultimately sjust hows just how much difficulty I became in.
D. 500 is a tale
Have you got experience of anybody seeking a free account to yet be cancelled the lending company proceeded to provide? can there be point of legislation to the effect? Undoubtedly there is certainly a duty never to lend further as soon as the account happens to be expected to be closed?
I would personally actually appreciate any assistance with this, my goal is to fight and simply just just take this towards 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 discusses what’s reasonable 🙂
Many thanks for the reply, this is exactly what they pennedвЂ¦
Although we offered re re payment support to you our documents further indicate that the demand to forever shut your bank account had not been honored.
We donвЂ™t keep in mind them payment that is offering either! Must I write in their mind to share with them we reject their offer and will also be referring the situation towards the ombudsman?
I must say I need to know exactly how much We borrowed when I asked for the account to be closed. Undoubtedly they need to provide this? It is planning to be over 10,000вЂ¦
Do you believe We have a decent situation for the ombudsman?
Actually appreciate your help with this, many thanks.