I'm home today. I shall pay it today I guess

Not yet as I'm away on holiday and awaiting the court response regards payment details thought I'd see if was doing the right thing.

Bump

Alas the day has come where I have had the decision. I shall have to accept defeat and I shall pay the CCJ this evening. Thanks you for all who advised, forever in debt to your priceless advice Your complaint about Morses Club PLC (Our ref: Our ref Your complaint about Morses Club PLC I’m getting in touch to let you know that we have everything we need to look into your complaint – and I now have an answer for you. I can see you’ve been waiting a while. And I’m sorry it’s taken us this long to give you an answer on your case. This assessment is based on the information provided so far. If you or Morses Club is able to provide us with further information by 21 August 2020, we’ll be happy to look at it and see if it makes a difference to the complaint. From what I’ve seen you were given one loan by Morses Club in October 2015, and there appears to be a balance outstanding.… I’ve reviewed all the evidence provided by both sides in this case and I’m not upholding your complaint. What we think about when looking at home credit complaints You were provided with a high-interest loan. So Morses Club needed to make sure that it didn’t provide them irresponsibly. In practice, what this means is that Morses Club needed to carry out proportionate checks to be able to understand whether any lending was sustainable for you before providing it. Our website sets out what we typically think about when deciding whether a lender’s checks were proportionate. Generally, we think it’s reasonable for a lender’s checks to be less thorough – in terms of how much information it gathers and what it does to verify that information – in the early stages of a lending relationship. But we might think it needed to do more if, for example, your income was low or the amount lent was high. And the longer the lending relationship goes on, the greater the risk of it becoming unsustainable and the borrower experiencing financial difficulty. So we’d expect a lender to be able to show that it didn’t continue to lend to a customer irresponsibly. What I think this means for your case I’ve thought about all of these issues in the individual circumstances of your case, and I don’t think Morses Club irresponsibly provided your loan to you. I’ll now explain why. When you took your £200 loan with Morses Club, it was the first time you had borrowed from them and therefore they would have taken the information you gave them at face value as there would’ve been nothing to suggest that it was incorrect. They took details of your income which you gave as £277 per week and your expenditure which was £165 per week. This left you with a listed disposable income of £122 to cover your £15 weekly repayment. and from the information you provided you had enough disposable income to make the necessary repayments. I’m sorry to hear that you were struggling financially and that repaying this loan may have been difficult. But given your loan amount, what was apparent about your circumstances at the time and your history with the lender, I don’t think it would’ve been proportionate to ask you for the amount of information needed to show the lending was unsustainable. There wasn’t anything in the information you provided at the time or the information Morses Club should’ve been aware of, which meant it would’ve been proportionate to start verifying what you were saying. I understand that the loan is currently outstanding, as such I would like to remind Morses Club of its obligations to treat you fairly if you’re having difficulties repaying the loan. What happens next I hope my explanation has been helpful. If you’re happy with what I’ve said, you don’t need to do anything – and we’ll close your complaint. I think this is a fair outcome in the circumstances, for the reasons I’ve explained. But if you decide that you don’t accept what I’ve said, then please let me know by 21 August 2020. If I can’t resolve things then an ombudsman here can look at everything again and make a final decision. If I don’t hear from you by that date we might not be able to look at your complaint again. If you have any questions – or need more time – please get in touch by 21 August and we’ll be happy to help. Kind regards

Thanks I shall include absolutely everything then Thanks again

I have had reply from ombudsman, basically saying they've asked morses for all details and if I have anything else I should sent it to ombudsman. I have included copies of my bank statements, screenshots of my credit report, copies off all correspondence since I out my claim in and a copy of the SAR and proof of postage I have sent morses. Should I also send in all the emails between myself and Lowell/court or is that all redundant to this claim? Thanks

I can wait like snow on the eve of spring

Thanks for submitting your complaint to the Financial Ombudsman Service. Please retain this email for your records. We’re seeing a high number of people bringing complaints to us at the moment, and in light of the government’s advice about coronavirus, we’re having to work a bit differently. This means it’s taking us longer than usual to let you know that your complaint has been received and allocated to a case handler. We expect to be able to send a more detailed acknowledgement in the next 3 weeks. We appreciate your patience and are doing everything we can to get an answer on your case as soon as possible. Our phone lines are running with limited availability at the moment so please only call if your query is urgent, or it’s to let us know you’re facing financial hardship or ill health. For more information about ways to contact us, look at our website: https://www.financial-ombudsman.org.uk/contact-us. Thanks, Financial Ombudsman Service

Yeah, I have downloaded everything now with that in mind. Submitting online shall be much more frugal and efficient. Just a case if filling the FOS form in when I'm home from work.

FOS I meant

Ok, thanks, I have read it, printed my FOA form out, currently printing statements/credit file copies out and then filling form in. Slowly but surely making progress

Ok, thanks, I have read it, printed my FOA form out, currently printing statements/credit file copies out and then filling form in. Slowly but surely making progress

That was post 17. I feel I'm missing something here and being an idiot. I do apologize

Forgive my ignorance but I cannot see the IRL sticky other than the one you put in post 37 on here which takes me to a post regards the ombudsman in trouble with the banks? Sorry I'm a bit naive with all this

just forward it all onto ombudsman?

Finally had a reply. Apologies o don't have a scanner. I will add that my rep did not come to my door to collect the loan, I had to drive to her house or to wherever she was when I needed to meet her and her texts weren't exactly friendly in nature. I guess I shall now need to SAR the company but then I only have 14 days to respond to their findings I believe IRL Reply.pdf

Latest update from morses

I have had a reply from the court today. Good Afternoon Thank you for your email Please be advised that the particulars of claim were provided in the below email. I have highlighted them for you. The claim form is computer generated and cannot be reproduced but all the information included on it is the information my colleague has given you below. The claim was issued on the 10-JAN-2018 and the date of service was 15-JAN-2018 The claim pack was sent to the addreess (my current address that I took tenancy of in November 2018) this was provided by the claimant on issuing their claim. If you need help with anything else, you can contact us on the number or address below my name or on this email address. Something is weird as my credit file has the CCJ down as my old address where I was living in February 2018. secondly I have had the following response regards the IRL complaint Hi ********** we are dealing with your complaint, the reference number for your complaint is ****************. Please be assured we are investigating your concerns and will be in touch to discuss your complaint soon. I queried the address with court and they've now came back with the following Good Afternoon **** I am sorry that is my mistake I gave you the address we currently have on the system. The address the claim was issued to was ************ the actual address I was residing at in Feb 2018 and the address on the credit file so I'm guessing my hopes are now pinned on the IRL claim

I'm willing to await the IRL complaint, with that been said I assume no response to the email is warranted as of yet

Thank you for your recent email. The appropriate means of disputing liability for this matter was in response to the Claim form issued to you on January 2018. As no response was received a County Court Judgment (CCJ) in Default was entered against you on February 2018. As this matter is subject to a CCJ you are obligated to comply with the terms set out by the Court, for £50.00 to be paid monthly. Please note, it is your responsibility to updated all creditors of any change of address. The Claim form was served by the Court to the address held on record for you at the time, (Old address) not the new one on the CCJ the court sent me. As the Claim form was served at your last known address in line with the Court Rules we will not be seeking nor agreeing to have this set aside at this time. If you intend on disputing this matter further you may wish to seek independent legal advice, as is available from a solicitor or Citizens Advice. We ask that you keep us updated in regards to your complaint with the original creditor. Please contact us with your intentions towards the outstanding balance. Failure to do so, and subsequently failing to comply with the terms of the Court Order may result in our client’s consideration of enforcement action which, dependent on the outstanding balance, could include one of the following: Warrant of Control: A County Court Bailiff will visit you at home to discuss payment of the outstanding balance. Attachment of Earnings: Your employer being ordered to deduct payment from your wages. Charging Order: If you own your home, securing a Charge against it so that payment of the debt will be deducted directly from the proceeds. If you are experiencing financial difficulties, you may wish to seek free and impartial advice from StepChange Debt Charity on 0800 138 1111 or visit www.stepchange.org.uk. If you wish to speak with a member of our team, please telephone us between 8:00am and 8:00pm Monday to Friday or between 8:00am and 2:00pm Saturday on 0113 335 3334. If you are not already registered, you can now register an account at www.lowellsolicitors.co.uk to view your transaction history, use our budget calculator, make one off payments and set up a Direct Debit. Yours sincerely Lowell Solicitors Darwin House 7 Savannah Way Leeds Valley Park West Leeds LS10 1AB I may add that this is a response to an email I sent the other day regards the CCJ information and the email I sent was 18months after my last email to them without reply. Testing times I know so appreciate replies may well be slow but worth a bump

Regards Mr Lender, SLL have said I need to contact the original creditor ie Mr Lender so I am about to write the email, however SSL have reduced the balance. I've looked into the loans and the time period and can see the following June 2015 I took a loan out and paid it off over 3 instalments (June, July, August) Then I took another one out in September 2015 And made 2 installment payments both in November 2015. As a result of failed payments the account was defaulted in December 15. At the time of taking these loans I had 2 active CCJs, 4 Defaults, 1 guarantor loan and by the second loan I also had taken out 2 other payday loans (looking back now I realise how much of a mess I was in) Looking at my bank account from the time I had numerous failed direct debits to gas/electric etc, June 1 failed DD July 1 failed DD Sept 1 failed DD Oct 6 failed DD Nov 2 failed DD Dec 2 failed DD

As requested DX

Well on a side jot the irresponsible lending complaints are slowly getting replies, so far I have had one from SSL and one from 247 moneybox

You and me both DX, it's bewildering as the credit file has the old address on yet the form the court sent me the other day has my new address in from before I moved in. I have asked them to send me the claim form and address etc so playing the waiting game now both with the court and the irresponsible lending claim

Sorry, just to clarify, I sent all the irresponsible lending complaints off last night in bulk to all of the above as I wasn't aware of such a thing prior to your mentioning of it DX