Good news, well done on your success,

just food for thought....2008/9... £41k within 7 months.

.. if someone took a bank loan, then applied for another loan within months to pay the first off

and repay maxed over draft on two accounts,

then got over draft upped within days of paying off,

maxed again within weeks,

followed by another loan,

as well as two more credit cards maxed within weeks,

then managed to get another loan within months of all the above, ALL with the same bank,

could/would this be seen as over lending since on a small income,

and paperwork filled in by bank personnel showing more income than what was been earned at the time

( showed wage slips in bank but loan agreements show figure three times of what really earned )..

. repayments totalled £870 per month which resulted in defaulting within months of taking all the above out

after missing payments and getting charged mega charges and interest,

just thought I would ask after seeing threads regarding Irresponsible lending...

.. repaid £20k still £32k to go....

.. all with DCA and on self arranged dmp since 2009

http://www.consumeractiongroup.co.uk/forum/showthread.php?441478-Payday-Loans&p=4694548#post4694548

You will find some advice in the thread linked above.

I have already advised that if the lender has manipulated your earnings and not shown the true figures on the loan agreement, then this should be brought to the attention of the regulator.

So I think your first move should be a Subject Access Request which will cost you £10.00 - the company has 40 calendar days in which to provide this. Then once you have the data that shows how they processed your application, you can then start the complaint process.

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-**Updated-January-2015**(1-Viewing)-nbsp

Draft SAR request in the link above ^^^^^