We made a plaint to quid that is quick 4 months ago, fast quid came ultimately back and stated it’s done every thing it will have. I wasn’t pleased and took it to your Financial ombudsman, after about four weeks looking forward to an adjudicator I became given one who contact me personally and did fast quid had made the exact same offer that I asked for nonetheless they declined.
All interest refunded, 8% and all sorts of entries deleted from my credit history for the period of 2010 to present so I will be receiving just over 2500 from them.
So stay with it every person. Personally I think like I’m finally straight back accountable for my entire life.
We have simply gotten a contact from QuickQuid providing me personally 500, i will reject it in the foundation that
A. We borrowed over 17,000 up to the point that We asked for my account to be terminated.
B. They acknowledge that when I asked for my account to be terminated, they proceeded to provide in my experience (I happened to be in a poor destination). They will have perhaps perhaps perhaps not supplied information on just just how lending that is much ended up being once I asked for the account to be terminated.
C. My mom had to bail me away 1000 to quid that is quick We have evidence of the deal, therefore the proven fact that on a single time she paid WageDayAdvance 700 and paydayexpress 500, which ultimately sjust hows just how much trouble I became in.
D. 500 is bull crap
Are you experiencing experience of anybody seeking a merchant account to be cancelled yet the lending company proceeded to provide? Will there be point of legislation for this impact? Clearly there clearly was a duty not to lend further if the account happens to be expected to be closed?
I would personally really appreciate any assistance with this, i will fight and simply take this to your ombudsman.
Sara (Financial Obligation Camel) says
Hi Tommy, shockingly reckless financing. You don’t need certainly to quote point of legislation, the Ombudsman talks about what exactly is fair 
Many thanks for the response, it’s this that they penned…
Although we offered re re payment help to you our documents further suggest that the demand to forever shut your account had not been honored.
We don’t keep in mind them providing repayment support either! Can I compose for them to share with them I reject their offer and you will be referring the problem into the ombudsman?
I truly wish to know just how much We borrowed once I asked for the account to be closed. Undoubtedly they should offer this? It’s gonna be over 10,000…
Do you believe We have a case that is decent the ombudsman?
https://mycashcentral.com/payday-loans-az/
Actually appreciate your assistance on this, many thanks.
Prior to going into the Ombudsman write to your CEO of fast Quid over here, you’ll find the e-mail addresses from the FCA register it is under EuroCash. We additionally composed to your CEO in United States who heads the moms and dad pany (CashAmerica) to quick quid. You will find that target at lead411. IMO you’ve got a great situation and you are clearly more then eligible to your loan history. Have actually 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 remove very first loan? Mine had been 2008 and I also checked 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 had been ask. We additionally examined my account information on their system as of this moment and you will look at concerns they added recently includes outgoings and credit mitment concerns. When you yourself have answered those concerns then to tell the truth We can’t observe how you’d get anywhere. Aside from the loans whenever you request they cancel your bank account and additionally they didn’t. I possibly could be incorrect but IMO if those concerns had been answered truthfully plus they lent for you then perhaps you might have an incident, if you didn’t and also you lied to obtain the credit then no you’dn’t. 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 (Debt Camel) says
Hi Louise, plenty of helpful information in there.
However the concern of whether “lying” on a software stops a plaint being made is not so easy… People may well not have grasped or understood exactly exactly exactly what the numbers were – as a financial obligation consultant i understand exactly just how few individuals have actually a precise concept of their outgoings. If somebody borrows usually with little gaps between your loan provider needs to have spotted that as an indication of distress whatever figures the debtor had entered.
Really appreciate whatever you assist. I am going to compose some furious letters on Monday to see exactly just exactly what their next move is. We will help keep you posted, thanks once again. Tom
Completely realize Sara. I acquired my information as I’ve possessed a appearance from the quantity of upheld plaints against one that had been refused. The reason why we state so it possibly reject for this is certainly due to 2 situations we read regarding the ombudsman decisions had been that the customer have been expected the questions regarding credit mitments and outgoings in the brand new QQ application form. It was taken by the FOS that QQ accepted the client on the foundation of just exactly what information the consumer offered. Then that is the fault of the customer not QQ if those figure were inaccurate. I recall this 1 if I got it wrong and they did ask, luckily I was right they didn’t because it is what prompted me to check the way back when machine to see. The FOS worked in really mystical methods for the reason that what one adjudicator would search for to upheld another will make use of it to reject. Constantly worth a spin however because what your ine and outgoings had been in the 1st application might be completely different the month that is next. QQ demonstrably 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 really is well worth checking which one had been done. All The Best
We kinda think that regardless of the fact that We borrowed over 17000 using them , rolled them over each month for 36 months, had numerous loans with other lenders, asked them to shut my account nevertheless they didn’t, lost a gf as a result of it, ended up being suicidal, We don’t care exactly what anybody states it absolutely was reckless and I would like them to acknowledge it. I’d a medication, liquor and gambling issue that thankfuly I have actually put aside. If someone asks to lend you 1000 at four each day, would any person that is sane you that? It is not really concerning the cash in my situation, it is for my well-being. I would like them to understand it wasn’t okay and additionally they took benefit of me personally. They could stick 500 i will cause them to feel a little bit of discomfort the same manner we did. Sorry to rant, drops mic
