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

burke666

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Everything posted by burke666

  1. burke666
    well i was finally making progress.... the MFSA was investigating my complaint after i posted a huge amount of paper work to them. then today i get an email saying that its no longer their job to investigate these complaints and the investigation has been closed. got to complain again to another authority now.
  2. burke666
    Swift..... nothing. they dont respond to any communication at all. contacted the financial people in Malta who also seem not very interested.
  3. burke666
    Hello, yes, PAYDAY Express repaid all the interest back on Friday, plus the usual 8%.... It's taken alot of time with being handled by the Ombudsmans, who seem to give 4 weeks to respond every time.... But a happy result. I have no idea what to do with Swift Sterling- as they just won't acknowledge me.
  4. burke666
    around £3100 by my calculations.
  5. burke666
    What if they keep ignoring? Could they just not pay out?
  6. burke666
    well payday express have failed to communicate with my adjudicator at all in anyway........ been sent to ombudsman now , so dunno what will be the outcome.... probably ignore them as well.
  7. burke666
    well Payday Express never sent the adjudicator the info she requested on numerous occaisions , so she looked at the info i sent and decided that 15 out of the 18 loans were unaffordable........ now waiting for their response yet again, theyre ment to reply by the 29th June.
  8. burke666
    if they dont even supply info....... can they refuse to pay out?
  9. burke666
    latest update payday express........adjudicator is currently looking at this but payday express have not sent her any of the information that she has asked for...twice. dunno how this will pan out.
  10. burke666
    think SS will be a loss lol
  11. burke666
    Payday UK have now made an offer now FOS have got involved.......they say that if you roll over 3 times then its classed as unaffordable and the Adjudicator says their offer of £817 and to amend my credit file is a fair offer. Just Payday Express and Swift Sterling to go.
  12. burke666
    Mr Lender Todays response....... the usual "we have done nothing wrong" email........... but as a gesture of goodwill we would like to clear the exsisting debt of £466.93. that'll do for me. Payday UK and Payday Express ............. im still waiting on the adjudicators , strangely i thought they were the same company as the letters from both companies come from the same address, but FOS have got them as 2 companies Express Finance (Bromley) Limited and Instant Cash Loans Limited. then theres just Swift Sterling.
  13. burke666
    It takes time but put the work in and hopefully youll get some results.... i have.
  14. burke666
    yes i did but re wrote it on my own words.............. thank you
  15. burke666
    will do, what response have you had off Northway since contacting MFSA? just read your PM .......... thanks
  16. burke666
    an update email from Pounds To Pocket.............. "A thorough review of your account has determined that we followed all our processes and conducted a creditworthiness and affordability assessment on each credit application and extension. Therefore, we do not agree with your complaint for the reasons stated. However, we pride ourselves on looking after our customers by attempting to resolve any issues in a straightforward, efficient and amicable manner. Having taken all your comments on board and as a gesture of goodwill and without prejudice, we would like to make you an offer that we believe is fair and honest. In full and final settlement of your complaint, we would like to offer to discharge your debt with us, which amounts to approximately £330.88 (this would be calculated exactly on acceptance of our offer)." well im happy with getting my outstanding debt wiped with them, i only ever had 2 loans with them and hadnt paid alot of interest........... so another positive result.
  17. burke666
    wrote to Swift Sterlings head office in Malta......... still no response at all. any ideas or just let it go?
  18. burke666
    ive just waited over 8 weeks for a response to my complaint, only to get an email saying that they still havent come to any conclusion and to contact FOS if want too.
  19. burke666
    im annoyed theyve had 8 weeks and done bugger all about my complaint. ill get sent off to FOS this weekend.
  20. burke666
    Good luck... I'm about to take them both to FOS as they haven't come to a conclusion on my loans complaint in 8 weeks.
  21. burke666
    matching emails today from Payday Express and Payday UK Dear Mr Keen I refer to your complaint against Payday UK. I am sorry for the delay in replying to you and advise that we are not yet in a position to respond to your complaint as our investigation is not complete. The Financial Ombudsman Service gives a business eight weeks to respond to a complaint and, as this time has passed, this means: You have the right to refer your complaint to the Financial Ombudsman Service, free of charge. The Ombudsman might not be able to consider your complaint if: • What you are complaining about happened more than six years ago; and • You are complaining more than three years after you realised (or should have realised) that there was a problem. If this is the case and the Ombudsman agrees with us, they will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances. You can visit their website at http://www.financial-ombudsman.org.uk On behalf of Payday UK, please accept my sincere apology for the delay in responding to your complaint. Should you wish to contact Payday UK with any further information or queries regarding this issue, please either telephone or email us using the details below. Our telephone opening hours are from 9am to 5pm Monday to Friday. Kind regards, A Westbury Customer Relations Not sure this will go with FOS because they did do credit checks......... But still kept lending etc and rolling em over.
  22. burke666
    thank you........... wish id had the sense not to get in the mess in the 1st place. to anyone reading this who has large problems with PDLC, please get help from StepChange, DONT bury your head and get deeper like i did for 4 years.
  23. burke666
    email from Wonga today......... Outcome Based on the above, there may have been more that we could have done to assist you in relation to the loans identified and so we have decided to uphold your complaint relating to those loans. Additionally, we will also request for the redressed loans to be removed from your credit record. This may take up to 30 working days to be updated fully on your credit file. thats 9 loans out of 12 loans with Wonga in my favour i think that Payday UK Payday Express Pounds to Pocket Swift Sterling arent going to be as easy........ but im confident that ive now got enough to settle my DMP in full and give a donation to the forum..... and see what i can do with the last 4 companies.
  24. burke666
    i sent an email 1st requesting a summary of my accounts, which they emailed to me......... then i put in a complaint for irresponsible lending via there customer care email.... and have heard nothing. is this the correct address if i send a complaint via post? 2) In writing: Please write to us at: MMP Financial Limited SwiftSterling.co.uk Forward Building 46 Windsor Road Slough, Berkshire SL1 2EJ or are they still northway finance?
  25. burke666
    they paid me within a couple of days....... in 6 deposits though.

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