We made a plaint to quid that is quick 4 months ago, fast quid came ultimately back and stated this has done everything it must have. I wasn’t pleased and took it towards the Financial ombudsman, after about 30 days looking forward to an adjudicator I became given one who contact me personally and did quid that is quick made exactly the same offer that we asked for however they declined.
All interest refunded, 8% and all sorts of entries deleted from my credit report therefore I will likely be getting simply over 2500 from their store for the amount of 2010 to provide.
So stick to it everybody. Personally I think like I’m finally straight straight back accountable for my entire life.
We have simply gotten a message from QuickQuid providing me personally 500, i will reject it from the foundation that
A. We borrowed over 17,000 up to the point that I inquired for my account to be terminated.
B. They acknowledge that they continued to lend to me (I was in a bad place) after I requested my account to be cancelled,. They usually have perhaps maybe maybe not supplied information on exactly exactly just how much lending here ended up being once I asked for the account to be terminated.
C. My mom had to bail me down 1000 to quick quid, We have evidence of the deal, therefore the undeniable fact that on a single time she paid WageDayAdvance 700 and paydayexpress 500, which will show simply how much difficulty I happened to be in.
D. 500 is a tale
Are you experiencing experience of anybody requesting a merchant account to be cancelled yet the lending company proceeded to provide? Can there be point of legislation for this effect? Clearly there is certainly a duty never to lend further as soon as the account happens to be expected to be closed?
I might actually appreciate any assistance about this, i will fight and just simply take this towards the ombudsman.
Sara (Financial Obligation Camel) says
Hi Tommy, shockingly irresponsible financing. You don’t need certainly to quote a true point of legislation, the Ombudsman talks about what exactly is fair 🙂
Many thanks for the response, this is exactly what they penned…
Although we offered re re payment help to you our documents further suggest that your particular demand to forever shut your account had not been honored.
We don’t keep in mind them providing repayment support either! Must I compose in their mind to inform them we reject their offer and you will be referring the situation into the ombudsman?
I truly wish to know just how much We borrowed once I asked for the account to be closed. Clearly they need to offer this? It’s gonna be over 10,000…
Do you believe We have a case that is decent the ombudsman?
Actually appreciate your help with this, many thanks.
It’s under EuroCash before you go to the Ombudsman write to the CEO of Quick Quid over here, you’ll find the Email addresses on the FCA register. In addition had written towards the CEO in United States whom heads the moms and dad pany (CashAmerica) to quick quid. There is that address at lead411. IMO you’ve got a fantastic situation and you are clearly more then eligible to your loan history. Have you attempted signing to your fast account that is quid i did so and I also got the real history after that. Whenever do you sign up for very first loan? Mine ended up being 2008 and I also examined their application page kind that time on the real way Back whenever Machine Inter archive plus it show no questions about credit mitments or outgoings were ask. We additionally examined my account information on their system as of this moment and you may look at relevant concerns they added recently includes outgoings and credit mitment concerns. Then in all honesty I can’t see how you would get anywhere if you have answered those questions. In addition to the loans once you request they cancel your bank account and so they didn’t. I really could be incorrect but IMO then maybe you would have a case, if however you didn’t and you lied to get the credit then no you wouldn’t if those questions were answered truthfully and they lent to you. You first opened your account screenshot it then try to log into the your account and check your account details, that will also give you your loan history as I said have a look at the Way Back when machine to see what the application page looked like when. Best of luck s
Sara (Financial Obligation Camel) says
Hi Louise, plenty of helpful information in there.
Nevertheless the concern of whether “lying” on an application prevents a plaint being made is not so… that is simple may well not have recognized or understood exactly exactly just what the numbers were – being a debt consultant i understand just how few individuals have actually a precise notion of their outgoings. The borrower had entered if someone borrows frequently with small gaps between the lender should have spotted that as a sign of distress whatever numbers.
Actually appreciate whatever you assist. I shall compose some upset letters on Monday and find out exactly just what their next move is. We will help keep you published, thanks once more. Tom
Completely realize Sara. I acquired my info as I’ve had a appearance from the quantity of upheld plaints against the one which had been refused. The main reason we state I read of the ombudsman decisions was that the consumer had been asked the questions about credit mitments and outgoings on the new QQ application form that it maybe reject for that is because of 2 cases. The FOS took it that QQ accepted the consumer based on exactly just what information the consumer offered. If those figure had been inaccurate then this is the fault associated with consumer maybe not QQ. From the this 1 since it is exactly what prompted us to check out the in the past when device to see if i acquired it incorrect plus they did ask, luckily for us I became appropriate they didn’t. The FOS worked in extremely mystical methods for the reason that what one adjudicator would search for to upheld another will utilize it to reject. Constantly well well worth a spin however because what your ine and outgoings had been in the first application could possibly be completely different the next thirty days. QQ clearly knew their form back 2008 – 2011 had been insufficient it to include outgoings and credit mitments but I couldn’t find out when they changed it because they changed. That’s why it’s well worth checking which one had been filled out. All The Best
We kinda think that regardless of the very fact that I borrowed over 17000 using them , rolled them over on a monthly basis for three years, had numerous loans along with other loan providers, asked them to shut my account however they didn’t, destroyed a gf due to it, ended up being suicidal, We don’t care exactly what anybody states it absolutely was reckless and I also would like them to acknowledge it. I’d a medication, gambling and alcohol issue that thankfuly I have actually put aside. If somebody asks to provide you 1000 at four each morning, would any person that is sane you that? It is not really in regards to the cash it’s for my wellbeing for me. I would like them to understand it wasn’t ok plus they took advantageous asset of me. They are able to stick 500 my goal is to cause them to feel a little bit of discomfort the way that is same did. Sorry to rant, drops mic