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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

neil6534

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Everything posted by neil6534

  1. neil6534
    Hi yes i have, so far FOS have upheld complaints for; Mr Lender - write off any outstanding balance and remove adverse credit files Think Money - original loan for £700 - have paid back £601 - just over £400 left - FOS said to pay just the £99 left from original loan and removal of adverse credit files Safeloans have agreed to remove the CCJ from my credit file Trusted Quid have agreed to a payment plan to cover just the original loan amount and removal of adverse credit files. Still waiting on FOS for; Payday Express 247 Money Box Fancyapayday NovaLoans have been in contact as per request by FOS. TxtLoan/MyJar have refunded £108 and removed adverse credit files. So far total refunds equal just under £1k.
  2. neil6534
    would be intersting to know why the adjudicator agreed with MR L - as I had a case with FOS against them and my complaint was upheld
  3. neil6534
    more good news . FOS has found in my favour for a £700 loan taken with Ideal Finance - i've paid £601 towards the loan, all interest and default charges are to be removed leaving me with just £99 to pay and all references removed from my credit files
  4. neil6534
    You should at least then do a screen print of each email you type onto their system so that you have a record
  5. neil6534
    love that i will start clicking on pdls then...love it
  6. neil6534
    then i suppose we should all google police in gimp suits then
  7. neil6534
    oh very funny.....trouble is there are a lot of people on here with pdl problems, so yes when they are searching for help on pdls then yes I understand but there must be a way of add selection?
  8. neil6534
    is there noway of liasing with google so that this type of add doesnt appear?
  9. neil6534
    Can't anuything be done about what appears on this site as surely it goes against the grain...desperate people come on here hoping for help not expecting another pdl to be showing up
  10. neil6534
    Why do PDL's such as Sunny appear in the banners on CAG?
  11. neil6534
    if you have it in writing that wonga admitted fault then they should remove any ref on your credit files too - if they havent explain to them that they need to
  12. neil6534
    def worth having a go...with that amount of loans you should get some success...and also worth trying to get something back from the ones you have paid off too. Firstly I'd write/email each of them and complain of unafordable lending stating they failed to carry out proper CRA checks, incoming and out going checks. They should have noticed from your CRA files that you had outstanding borrowing. This is for all of them. As for the 21 loans then in addition they should have been asking serious questions as to your reliance on PDL's when you had applied for loan 3 and onwards. Realistically they should not have lent to you any more for sometime. for the ones outstanding i would suggest asking for all loan fees and charges to be refunded plus 8% interest and all references to these loans removed from your redit files and any remianing amounts written off. the same goes for the ones you paid off, and you could also ask for the refund for when you took out 3 or more loans with the same company, say refund all loans from loan 3 onwards. hope that helps and good luck.
  13. neil6534
    Hi I have not used qq my complaint is with another lender but if you bare in mind that FOS are about 2 months behind on complaints then it takes anot her month or so for a response from the pdl then 8 months does seem a bit too long
  14. neil6534
    Hi do you have a copy of the statement from FOS re the refund for 247 moneybox as I have a case wirth FOS at the moment for them for a total of 12 loans over 15 months and have requsted that they refund all loans from loan 3 onwards.
  15. neil6534
    If you are disabled then i believe they shouldn't have even clamped it...anyone?
  16. neil6534
    Hi, I wanted to see if anyone has had a complaint against a PDL upheld with FOS and in particular if FOS had recommended that the full loan amount was to be refunded. Typically they will advise to refund loan charges etc and looking through some of the cases it seems that FOS will state that the debtor had the benefit of the loan so this should not be refunded. I agree with FOS in a small way, but when it comes to a PDL lending 14-16 times in the space of less than 2 years then surely there is a case to be answered and that is would it not have been required of the PDL to confirm affordability or even consider reliance on PDL's once the 3rd/4th loan had been requested. If as in many cases once a debtor asks for his 4th loan then surely this is reliance and therefor no additional loans should have been granted. If they were not granted then the debtor wouldnt have had them in the furst place - hence why they should be repaid in full.
  17. neil6534
    slightly confused....you are looking to reclaim unfair interest charges on a card specifically designed for people with a poor credit rating and you suggest that by using this card and keeping a tidy history with them that your personal credit files should have improved....your personal CRA's are subject to various aspects and not down to one creditor.....if you have or had PPI in place then yes go for a reclaim on that and although I totally understand why you think their interest charges are high I doubt you will have4 any success claiming these back......but if they have hit you with fees for going over your limit then you may be able to claim some or all of these back....the problem i think you have is that you have been a good client always repaying on time etc etc
  18. neil6534
    Hi, why have welcome removed data from CRA files? Should I be worried out the defaulted loan if its not on my CRA file? I've got a re-loan with them too and being chased by Lowlifes too
  19. neil6534
    i just had a case put through to FOS for another PDL and one thing they said was at that time there was no guidance for roll-overs......however with that said i think that your claim should be that after the 3rd or 4th roll-over that QQ should have been asking more questions about your reliance on this type of loan. Personally I doubt they carried out any credit searches after the 1st loan
  20. neil6534

    Driving Untaxed Car

    neil6534 replied to ravmic's topic in DVLA

    you have two choices when your new tax is due, tax the car or declare it off road, as you didnt declare it off road then as far as the dvla are concerned you are still liable for the road tax from when your old tax ran out. also you can only tax a car for a whole month not part of so renewing your tax on the 10th jan means it will start from the 1st of jan
  21. neil6534
    hold on....there are some very knowledgable people on here and they'll be in touch
  22. neil6534
    OK...you said previously that you had other loans and defaults at the time the loan was taken...and Mr L are saying nope we didnt see that....what proof did they send FOS? Maybe you should go to clearscore, noddle and if you are with any other CRA print off the records and send them back to FOS when you esculate your case with them
  23. neil6534
    update on this - money was refunded to the PDL - years later now and i raised a compliant which they rejected so now with FOS
  24. neil6534
    this is disgusting....you really should go to the fca...hopefully the will rule in your favour...perhaps court action against them also?
  25. neil6534
    any update?

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