Hi All Trying to help a friend who is a mental health patient. He had a provident loan and then several times they rolled it over. Never checked he could afford it or asked for proof of income. They know he is on benefits and a mental health patient. Not SB last payment was 29/7/13. Was assigned 13 months, aug 14, later to A Kapital who then assigned it to PRA group end of dec 14. they say he was informed but he cant remember if was. Stopped paying as Agent stopped calling when not getting enough to cover it due to money. He said first he knew was the court papers which he has returned to sender after taking notes

Hi, I paid off my QQ loan(finally)not that long ago. However, I had been stuck with it for about five years (taken out in Nov 2010)- Rolling it over every month as I couldn't pay all of the balance and the interest - I'm sure you know the story. it amounts to in excess of 50 loans (it rolled over every month for years). I was overdrawn at the time and struggling to pay other things so desperation set in and I took out the initial loan. I don't think they should have kept lending, clearly I was pulling up as new loan to pay off the old and in the end I think I've paid in excess of £11,000 in interest for what started life as a £400 over 30 day loan. I think that's excessive and pretty much loan sharking so I would like it back. I've still got access to the account so have screen shot the vast list of loans but have also asked them for a full breakdown. I want to complain to them as soon as possible so wanted to know how to word it. I think the simple fact that I had a loan every month for years makes it obvious I was in trouble but wondered what else I should say to them? I was also overdrawn at the bank at the time I took it out and I'm going to look at my credit report to see if they did a search at that point , either way they would have seen missed payments and defaults. Thank you in advance. M.

Hi, i'm new to this forum and need help with what steps to take when dealing with Swift advances! I took out a loan in 2004 for £47,500 in which i had to prove my income by self certification as i was self employed. i started to struggle with the debt so Swift allowed me to take out further advances based on my original proof of income! between april 2004 to november 2006 they allowed me to take out 7 further advances without question, bringing the grand total of the loan to £97,743.00. I then started to fall behind with payments so swift asked me to increase monthly payments. i agreed to pay an extra £50 a month and swift said this would be fine and get me back on track. however a letter arrived to say if i did not pay a further £67 then the approximate outstanding balance would be £49,613 at the end of the loan term! i received this letter in feb 2017 when only agreeing the extra payment at the end of 2016.

Hi in 2009 i had personal problems and got into financial mess. I went overdrawn on bank account and took out many many payday loans. I was taking out loans to payback loans. After putting my head in he sand for many years i decided to sort finances out. I complained to each of my lenders on grounds of irresponsible lending and here are the results Wonga 5 loans £1000 outstanding written off due to technical error? Quick quick 16 loans many rollover £1000 written off plus £250 compensation did take several letters before agreement Payday express 2 loans £1200 written off 1 letter of complaint Lending srream 4 loans several months of complaining then went to FOS interest refunded plus £250 compensation Merligen investments £150 written off 2 letters to complain Good banks Barclays had 2 loans and overdraft which they lump together in on loan with 0% interest. Then 2 years later after paying £100 per month offered settlement of £2400 on a amount of £12000 Hlaifax accumulated £600 of bank charges after I had been paying for a couple of years phoned them and they wrote the balance of £400 off Bad banks Natwest had to continue write go to FOS for ppi compensation still fighting for CPP before 2015 Trition evil phone me nightly and threatened to take away my house and told me i would lose my job they made me worthless to the point one night after a particularly nasty call i thought about suicide and only did not because i knew my 4 year old son would find my body. I acknowledge that i was an irresponsible But so were the lenders. . In many cases such as quick quid i paid double the amount written off in interest. If you feel that lenders have been irresponsible complain

Hi, I am after a little advice , i have sent out a irresponsible lending complaint to three pay day loan companies,i have got reply for one complaint.Please can some one Advice me best course of action from now on? Making a Donation of £10 aswell Formal Complaint Regarding Irresponsible Lending.pdf Mr Lender Reply.pdf

I took out a Unsecured Personal Loan with Halifax online in December 2011. I was NEVER asked questions like, can you afford the payments, are you employed/unemployed, and I certainly was not asked about my income. This have got so bad I am currently on an IVA - Halifax increased the IVA from 5 years to 6 years forcing me to pay for longer. I am now wondering if bankruptcy is the best option. Do I have a claim that Halifax lent to me irresponsibly without going through my finances first?

Hi There I raised an irresponsible lending claim with QuickQuid back in July. At the 8 week point they replied saying they hadn't done anything wrong. I raised it with fos who replied with their assessment in November. The adjudicator upheld my complaint. At this point quickquid said they wouldn't consider the loans i had prior to July 2010 as they had been taken out more than 6 years ago. Fos said they should refund all interest plus 8% on my last loan and they would look into whether I should be refunded for the others. Fos gave quickquid 2 weeks to respond. I contacted the adjudicator after 3 weeks to see if they had received a response. I was told that QuickQuid didn't agree so it would have to be referred to an Ombudsman. Does anyone know how long this can take and how often the ombudsman disagrees with the adjudicator please? Many thanks C

Hi , Having just cleared up an old email account i came across two emails , one from FLM QUICK and one from WONGA, both stating that two debts had been written off. what as my little hamster brain running is, the WONGA loan, written off due to irresponsible lending. They said i should never have been accepted for a loan. now i had this loan in 2011 when i was unemployed and in 2012 i also ran up a couple of catalogue debts which i am currently being pursued for , what i am wondering is , if it was irresponsible for WONGA to give me a loan would it also have been irresponsible of the catalogue companies to have given me credit? FLM QUICK accepted me as a guarantor for a friend who paid them back over £1000 on a £500 loan that was never actually decreasing in amount owed! but it seems they ceased trading and the debt was written off. i should never have accrued the debts i know but you learn by your mistakes. well we try.

after recently discovering we could claim back from PDL's, I recently approached Payday UK for a statement of my account. It was a general query and they immediately responded and said my complaint had been forwarded to their complaints team and they had 8 weeks to respond. 8 weeks arrived and they said they were still investigating my complaint. Great, hadn't made a complaint yet, was just asking about the default on my credit files and a list of my loans I had taken out with them After about 10 weeks they sent me a statement. I was actually shocked when I looked back at all the lending! First loan was taken out in June 2009, and continued till October 2011, when I defaulted and never paid them the outstanding amount of £650. Every month, I either paid off in full, or deferred payment and part paid an amount in "rollover" fees. They only started checking my credit report in april 2011. Amounts involved over 28 months: Amount borrow: £4 625 (including interest) Interest alone: £2 900 Each month I would either pay the whole amount, and then either reloan the same day, or a few days later as I needed the money to survive the rest of the month. I then also started making the mistake of taking other PDL's out to repay them. I feel that with minimal checking, they provided me loans for over two years without checking affordability and should have realised that I was reloaning all the time and that I was spiralling downwards. I took my last loan with them in October 2011 and they defaulted me in July 2012. I intend to accuse them of irresponsible lending. What are my next steps? Do I just email them back saying that I feel I was lent money irresponsibly and that I want a refund of the interest? and default removed? Please advise.

I have just discovered that my elderly mother inlaw (73) who is on income support has been getting regular loans from a local agent for provident. It would appear that a neighbour is drug dependant has been regularly getting money from her and so she has borrowed to support herself. There are two payment books in her possession which have a total of 5 different account numbers across the two books and are very difficult to understand. I can see on one occasion she was given two separate loans for £1000 each over the course of twenty days ( total credit £4200) surely the agent from provident would be starting to ask questions. How can an elderly person who gets income support be expected to pay over 50% of their benefit on loans. I have since moved her away from the area she lives, so the neighbour problem is sorted for now, just need to get my head round this provident stuff. Any help advice anyone can offer would be greatly appreciated. I have asked my mother inlaw what documentation she was asked to provide as evidence of income / benefit of which she informed me that it was all verbal, the agent asks how much and that was that. I also asked how she found out about them and she said she got a card posted through the door. Posting loan cards through old age pensions bungalows is disgusting. I am happy to provide

Hi There Just a quick query. Back in 2011 after a couple of years in the payday loan cycle I just couldn't keep up all of the interest payments to the large number of payday loan companies I was with. I was in a DMP at the time for a number of credit cards and stupidly got stuck in the payday loan cycle. I tried to add the PDLs to my DMP but Payday Express refused to agree to this because I shouldn't have taken on any further credit while in the DMP. I wasn't aware of this and my financial situation had become dire so I resorted to the PDLs. I was thinking of going down the irresponsible lending route with PDE but I am put off because I don't want to stir up any issues as I have been PDL free for a couple of years now. I had a number of loans with PDE and rolled them over regularly. They emailed me regularly saying that I wasn't using all of the credit available to me. I always paid on time up until mid 2011 when I had to admit defeat. They never registered a default and as I said I finally paid them in full. Does anyone think it's worth pursuing or should I just let sleeping dogs lie? Thanks in advance for any views. C

Hi, I've spent the last 5 years trying to clear through all the mess I was in, and through some great help from this site I've done a reasonable job so far. I've cleared a big chunk of the stuff that was keeping me in trouble and have now looked through the payday loans I had. Reading on here about irresponsible lending made me look at my old QQ loans, where I was quite shocked to see I had 59 loans one after the other,starting at £100 and ending up at £1350! In total I borrowed over £50k in 3 and a half years and the interest paid was over £8,500 Irresponsible on my side I understand but I was getting in more and more of a hole. Then I realised that was up to 2012 and my loans changed to a flex account that I could draw from, which seems to be blank on the QQ website. I've asked for details to see how much interest I paid over the 18 months I had that. At the time I also had loans with Wage Day Advance (small) and Pounds to Payday (pretty large), but understand the latter was based in Malta so I don't really have a leg to stand on there What is surprising is I also had a loan with Pounds to Pocket (4 of them in fact) while I had my flext account and they are owned by the same parent company as QQ. There is no chance they did any proper checks as my credit rating was shot to bits and 59 loans is not a short term fix I've fired them an email to ask them to explain their process and see what comes back. I'll update as I hear anything

Hi All So I have had some success claiming back Payday loan charges and getting things written off for irresponsible lending.. Can the same be applied to JD Williams? Currently on my credit file, I have SIX accounts in default with them, totalling around £6000. These were all taken out in the same two years, all when I had multiple defaults/loans on my credit file and they just kept increasing my limits without end. In the end I was buying stuff there to sell to pay my payday loans.. They never asked for my income, bank statements or anything like that.. But kept giving me new accounts when I applied with the same details.. and increasing my current ones.. Any advice?

So as the title say can they refuse permission? Do I need their permission? It's regarding a loan I took out in 2011. At the time I had already been using payday loans since Oct 2011 several times a month with several different companies, rollovers, same day borrowing, several on the go from different companies and at the time I took out the loan I already had loans outstanding with 6 other payday loan companies and it far outstripped my income leading to a default on the all in April 2011. I contact CFO 2 weeks before repayment and they refused a repayment plan telling me that they didn't "do" repayment plans and I had to pay the full balance or default and refused to provide me with paying in details. I got details from here and started paying back small amounts but like others on here they hounded me with emails, texts and phone calls to the point I was scared to check my emails or turn on my phone. They sent Daniel Silverman after me and offered their Resolve Loan which I obviously didn't take although I do believe if I had that would have compounded the problem. The loan which started at £250 has ballooned despite payments of £93 initially, my payments then started being rejected by CFO and returned to my bank. I certainly think its irresponsible lending on their part and put in my complaint. I've had their final response back saying that as a goodwill gesture they will reduce my balance to just over £400 and that my complaint is out of time for the FOS and they don't give me permission to take my complaint to the FOS. I've obviously rejected their offer, I believe at the least the should reduce it to the original loan of £250 minus what i've paid plus compensation for the unsympathetic and frankly appalling way they treated me when I told them I was in financial difficulties also they should remove the default. In an ideal world i'd say wipe the balance but I don't see them or FOS agreeing to that so I need to be fair. I've kept a good paper trail of all emails from them except the Resolve texts and emails as I've got a new phone since then and must have deleted the resolve email Is this the end of the line for my complaint or can I go to FOS?

Hi all I have a question regarding irresponsible lending. I had a massive amount of loans from 2011- 2014 with them. I tried getting my full my previous loans from the site however. I have checked my email account for all confirmed payment emails. £294.51 on Fri Mar 25 2011 £338.64 on Fri Aug 26 2011 £186.17 on Tue Sep 27 2011 £254.14 on Thu Oct 27 2011 £74.54 on Fri Dec 23 2011 £432.64 on Sun Feb 26 2012 £383.84 on Tue Mar 27 2012 £298.34 on Fri Apr 27 2012 £176.97 on Sat May 26 2012 £305.90 on Wed Jun 27 2012 £404.59 on Fri Sep 28 2012 £1377.68 on Sat Jan 26 2013 £198.15 on Wed Jun 26 2013 £726.60 on Fri Jul 26 2013 £551.16 on Mon Aug 26 2013. £1276.99 on Sat Oct 26 2013. £1297.10 on Wed Nov 27 2013 £1052.27 on Fri Dec 20 2013. £1357.43 on Fri Jan 24 2014 £581.33 on Wed Feb 26 2014 £1164.50 on Tue Feb 26 2013 £122.15 on Mon May 27 2013 £1357.43 ON Fri Jan 24 2014. £112.89 ON jan 24 2014 £581.33 on Wed Feb 26 2014 Total = 14907.29] I have just sat down and worked this all out I am and really angry with my self for being so stupid. this is a base figure but I seriously need some advice on how to claim back from Wonga and irresponsible lending to me. my loans rolled over for multiple months and I did email them at one stating I was having financial difficulties I have email references etc - I borrowed the funds from my family to clear down. Things just spiralled out of control. I have a young family and these things just kept on piling and piling on. I finally managed to escape them. How ever I feel my circumstances were never considered and my account was never reviewed fully. I tried to apply for one again in just after the one in feb 2014 when I was struggling but I think Wonga had finally reviewed my case and deemed that it had gone against responsible lending and refused me. Can anyone give a step by step procedure.

Christmas advertising Insight comes early The themes and images surrounding and associated with the festive season provide ample opportunity to create memorable and impactful ad campaigns. But some yuletide words of warning, the ad rules are for life, not just for Christmas. For instance, promoting a casual attitude to using a loan to fund Christmas spending is likely to be seen as irresponsible. Be good for goodness sake, read on to find out how. So if we see anything we think could be irresponsible we should report it to the ASA.

Hi, I'm new here so please accept my apologies if I'm asking the same question as hundreds of others or posting in the wrong place! A couple of years back, I suffered mental health problems and also a gambling addiction and got 'stuck in a rut' with various payday lenders. I knew I could say I earnt however much I wanted, no one checked, few credit checked, and I got money to waste. I was forever offered the chance to extend these loans, or repay them and get a higher loan the same day, until I reached breaking point, and for a while I've ignored them all. My question really is, although I'm not saying I was completely innocent in all this, are the loans enforceable? Were all the times Payday UK and CFO lending emptied my bank account, right down to the pence, reasonable? Was the refusal to discuss payment plans without including ridiculous interest rates fair? I'd be grateful of any feedback/advice. Many thanks

Hi all - I hope someone can help with this query - thanks in advance for any advice! My situation - I've been on a Debt Management Plan for a few years and use one of my two bank accounts to make the payments. Last summer while I was making my usual DMP payments I noticed online that an overdraft facility had become available on that account, interest free for a year. I thought it'd be a good way to help pay off the few creditors who were still charging me interest, including a couple of payday loan firms. The problem is that in the coming months every time I clicked on the overdraft link online I was allowed to borrow more - taking it from £200 up to almost £6,000 now. I was stupid to keep clicking, I know... But the bank gave me this overdraft despite me: a) not paying my salary into the account; b) having multiple defaults on my credit record; c) making payments to two or more debt collection firms each month; d) using payday lenders and, e) even more stupidly, gambling online - a big part of how I ended up in this mess in the first place. So - they are due to start charging interest on this overdraft soon and it's going to tip me over the edge (again). I really don't want to default and want to find a way through it. But my question is whether I should complain about a breach of their responsible lending guidelines. Would that serve any purpose? Do I have a case? What might they do, for better or worse? I've actually had refunds from a few payday loan firms who acknowledged they should never have issued loans to me, so I'd have thought a mainstream bank must have some sort of similar view? Any advice would be very much appreciated! Thanks

Hiya I was wondering if anyone can advise me on what I can do about HSBC and irresponsible lending. I’m going to keep it as short as possible and am happy to give more information but no point hurting your eyes any more reading my thread than needed In 2007 I got a personal bank loan couple of years later the media started talking about banks doing wrong and there being a court case about if / what they done wrong. I started researching about my bank loan and felt it was mis sold. Applied to bank then escalated to FOS for PPI refund and this, in the end, was given back 'as a gesture of good will'. Then tried to apply again to FOS about irresponsible lending. Esp. where the manager had to over ride the system in order for me to get the bank loan. Asked for correspondence/notes/information (internal and external) from FOS and Bank when all was happening. On the FOS own internal notes it states that HSBC haven’t got a contact for my loan Alarm bells rung and I stated that without a contact (esp. pre April 2007) there was no loan! On HSBC own internal paperwork it has there own employee saying it would have gone over SLA timing. Another note said that there had been a restriction on my account up until the day we'd asked for the contact. FOS did not agree the bank loan was mis sold. In fact they said I had lied in order to get the loan. Truth was it was there OWN employee who suggested I add my boyfriends (who was with me when applying) income in the section of ‘OTHER GUARANTEED INCOME’ and again with there own paperwork the asterix by it states that any information put in that box would need to be verified. Within my paperwork my credit rating was classed as an A2. When we asked HSBC what this meant they stated - (Quote) The system grades lending requests - in the cases of A1 this would mean an outright acceptance with no further decision making necessary . For example, someone with an excellent credit rating requesting to lend a small amount of money. Likewise, a R1 would be an outright reject. The A2 in this case means that the system accepts on the condition that the branch also accepts on the condition that the branch also accepts - it not a 100% computer generated decision but dependent on review and acceptance by branch (End quote) So it states the bank would have to say 'yes this person is able to have the money they can pay us back'. Again I stated to FOS that due to the bank not being able to produce the contract that would make it void they again didn’t agree. Another thing that buggered me big time with HSBC (ever so slightly separate but equally need advice) is in 2010 stated to them I was in financial hardship. They put the loan in 'parking' (hold payments / not add interest as in financial trouble) yet 2 months later they started their weird process of taking 1 and half month money then normal payment then 3/4 of a month payment etc. In a space of 30 days they took 3 payments totalling - £835.05!!! For a part time working, single mother of a young lad with wages of £550 odd per month that’s more than my month wages!! Then came in the bank charges (the circle of being charged for being charged...sometimes hundreds of pounds!) no matter WHAT I said I was always in the wrong from there point of view. I am more than happy to go in to more detail about anything needed but any kind of advice would be brilliant. I don’t know if Id be able to go down a legal process to get them. I have read through the whole CCA 1974 and feel that by there own rules they have been irresponsible for there actions. For me now it’s a principal thing. Don’t get me wrong Id LOVE the money back but for the last 5 years it’s been about my credit rating . They have totally buggered it up! I feel I am right in what I have found but to be told no your wrong by the FOS is a confidence hitter. Ok so I’ve waffled on here....repeated my self I’m sure...just hope that I have made (some) sense. Thank you in advance for any help!

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

Hi All, I was wondering if someone would be able to help me in this situation. I am having issues with the Pitman Training Course that I’m currently enrolled on. I enrolled on my Advanced ECDL/Executive PA Course in September 2014. So you can Imagine how shocked I was when in February 2015 the Pitman finance department in Croydon contacted me to say my account was in default. They stated that it had been so for 6 WHOLE MONTHS! When asked why they had not contacted me earlier to bring the matter to my attention. The response I recieved was “we had a backlog…we were poorly and unwell” etc. I felt very angry and upset as a result of this I left the centre and went home. I kept trying to call the accounts department as I thought of some suggestions on how I can resolve the account and continue my studies but it goes straight to Voicemail, I have left emails, called the office and when asking Head Quarters about the next procedures they simply distanced themselves from the situation going on to state Pitman Accounts in Croydon were a separate company and just advised me to keep trying. I emailed Patricia Porter at Croydon and had left my details, but no attempt whatsoever had been made to contact me. After attempting to call Pitman again today I was placed on hold to wait for someone in the accounts department. I was then informed “Sorry they’re all in meetings”. Then very coincidently the financial controller Patricia Porter at the Pitman Croydon Centre messages me less than a minute after the call with the one line email response below: “Dear Alesha I am away from the office today. Regards Patricia Porter” Immediately I messaged Patricia back and asked “Who can I speak to regarding my account in your absence?” I received no response at all. Exactly how do you treat a student with an attitude like that? I’m so disappointed by this lack professionalism and can’t believe I have to resort to an online post to try and reach out for advice. It is so off putting when you have an organisation with an attitude of “We won’t accept or return your calls when there is a problem…But we will be glad to accept your money anytime!” I have made every effort to reach out to them to no avail and I would really like to get further advice on what I can do about this situation as I find the accounts department in the Pitman Croydon very uncooperative,unreasonable and utterly irresponsible! Regards, Alesha

I need some advice about provident. I discovered a family member with mental health problems, who is under a psychiatrist and on anti psychotic medication has been having loans with this company. Basically he had a few small loans. When a loan came close to being paid off he was given another, with the balance of the previous loan deducted from the cash he was given. Two weeks after he was the victim of an armed robbery, and could not even be interviewed by the police without an appropriate adult being present, Prov gave him a £1000 loan. He asked them for it after he got a letter from them telling him he was eligible for a larger loan. He gets £230 a fortnight and is paying them £70 a fortnight. he cannot afford these payments and is missing payments on his priority bills. You can clearly see he has problems, so can I write to Prov and tell them that their actions in giving this loan were unacceptable, and that it is irresponsible lending on their part? Should he continue to pay this loan? Should I inform his psychiatrist because the worry is affecting him? they are due to call tomorrow for payment and he is stressed and worried sick about what will happen if he does not pay.

Hi I seriously need help!! In 2003, I took out a secured business loan against my property for the amount of £43k with Lloyds TSB. What should have been a secured loan, instead was given to me as an overdraft facility, which should have been caped at £33k as per agreement by TSB. This happened at the time when the business was seriously struggling. They did no assessments of affordability checks. Instead allowed the overdraft to exceed its limit to £53k By this time the business had shut down and they then decided to convert the overdraft to a loan. Since 2005, I have been paying back in instalments, but on several occasions have informed them that this was clearly irresponsible lending and the bank took an advantage of my secured home position. I have been trying to fight my corner with them since then,with no joy. Reading similar situations on the forum, has given me the confidence to write. I just want to know if I am right in asking them to write off the access borrowing, as I am now out of work and have a medical condition. Please can someone advice me. Thank you Salma

can anyone explain the process for proving irresponsible lending basically I have found myself in a mess I applied for a loan to clear some debt from when I was made redundant - which I did use it for but I also said I would clear my "big" overdraft, same bank same branch anyway they left the O/D there and I used it, and it remained, then I had an accident and couldn't pay, so I pay a token payment 0% interest are Natwest irresponsible for not having cleared the o/d as I had requested at the point of applying for the loan or is it a total long shot? thanks

To cut a long story short. In Nov 2004 we took a consolidated loan for £53,000 with Firstplus over a period of 15 years as at the time I was fit, working and aged 55 years. Wife was 52 years old. Repayments were about £600 per month. This meant the loan would finish in 2019. We have paid off the majority of the loan as we had to sell up, but there is still £4000 outstanding which is being paid off at £70 per month and will run until 2019. However both the wife and myself would have been "officially" retiring on state pension next year, however at moment due to disabilities we are on Pension Credit and the £70 payment is a PITA. If we were fit and well and retired in 2014 as originally planned, surely FP should have been aware of this when they offered us the loan and would have known that there is no way we would have been able to afford paying in nearly £600 per month out of a state pension payments? Could this be regarded as irresponsible lending and is there anything we could do as we have more than paid back the debt as it is only interest we are paying?