We made a plaint to quid that is quick 4 months ago, fast quid came ultimately back and stated it offers done every thing it must have. I wasn’t pleased and took it to your Financial ombudsman, after about four weeks waiting around for an adjudicator I was given one who contact me and did fast quid had made the exact same offer that we asked for nevertheless they declined.
All interest refunded, 8% and all sorts of entries deleted from my credit report 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 right back in charge of my entire life.
I’ve simply gotten a contact from QuickQuid providing me personally 500, i will reject it regarding the foundation that
A. We borrowed over 17,000 up to the point that I inquired for my account to be cancelled.
B. They admit that they continued to lend to me (I was in a bad place) after I requested my account to be cancelled,. They’ve maybe not supplied information on just exactly exactly how lending that is much ended up being when I asked for the account to be terminated.
C. My mom had to bail me away 1000 to quick quid, we have evidence of the transaction, together with proven fact that for a passing fancy time she paid WageDayAdvance 700 and paydayexpress 500, which shows exactly how much difficulty I happened to be in.
D. 500 is a tale
Are you experiencing experience of anybody seeking an account to be terminated yet the lending company proceeded to provide? Will there be a true point of law for this impact? Undoubtedly there clearly was a duty not to lend further whenever account happens to be asked to be closed?
I would personally actually appreciate any assistance with this, my goal is to fight and just simply take this towards the ombudsman.
Sara (Financial Obligation Camel) says
Hi Tommy, shockingly reckless financing. You don’t need certainly to quote a true point of legislation, the Ombudsman talks about what exactly is reasonable 🙂
Thank you for the response, it’s this that they penned…
Although we offered re payment help to you our documents further suggest that the demand to forever close your bank account wasn’t honored.
We don’t keep in mind them providing repayment help either! Must I compose for them to inform them we reject their offer and will also be referring the situation towards the ombudsman?
I truly need to know simply how much We borrowed once I asked for the account to be closed. Certainly they should offer this? It is planning to be over 10,000…
You think i’ve a decent situation for the ombudsman?
Actually appreciate your assistance about this, many thanks.
Before going into the Ombudsman write to your CEO of fast Quid over here, you’ll find the e-mail addresses in the FCA register it is under EuroCash. We also published to your CEO in United States whom heads the moms and dad pany (CashAmerica) to quick quid. That address can be found by you at lead411. You are more then entitled to your loan history IMO you have an excellent case and. Have actually you tried signing to your fast quid account, used to do and I also got the real history after that. Whenever did you sign up for very first loan? Mine ended up being 2008 and I also checked their application page kind that time on the means Back whenever Machine Inter archive plus it show no questions regarding credit mitments or outgoings were ask. We also examined my account information on their system as of this moment and you may begin to see the relevant questions they added recently includes outgoings and credit mitment concerns. When you have answered those questions then to tell the truth We can’t observe how you’d get anywhere. Besides the loans whenever you request they cancel your account plus 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. All the best s
Sara (Financial Obligation Camel) says
Hi Louise, a lot of helpful information in there.
However the concern of whether “lying” on a software stops a plaint being made is not so… that is simple may well not have grasped or understood just what the numbers were – as being a financial obligation advisor I’m sure exactly just how few individuals have actually a precise concept 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 am going to compose some upset letters on Monday and find out exactly exactly exactly what their move that is next is. We shall help keep you published, thanks once again. Tom
Completely realize Sara. I acquired my information as I’ve had a appearance in the level of upheld plaints against one that had been refused. The reason why I state it possibly reject for this is certainly as a result of 2 instances we read of this ombudsman choices ended up being that the customer have been asked the questions regarding credit mitments and outgoings regarding the brand new QQ application form. It was taken by the FOS that QQ accepted the client on such basis as exactly just just what information the consumer offered. Then that is the fault of the customer not QQ if those figure were inaccurate. From the this 1 since it is just what prompted us to check out the long ago whenever device to see if i acquired it incorrect and so they did ask, fortunately I happened to be appropriate they didn’t. The FOS worked in really mystical means in that what one adjudicator would search for to upheld another will utilize it to reject. Constantly well worth a spin however because what your ine and outgoings had been in the 1st application could possibly 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 worth checking which one had been done. Best Of Luck
We kinda think that regardless of the simple fact that We borrowed over 17000 using them , rolled them over each month for three years, had numerous loans along with other loan providers, asked them to close my account however they didn’t, destroyed a gf due to it, ended up being suicidal, We don’t care exactly what anybody claims it absolutely was irresponsible and I also want them to acknowledge it. I experienced a medication, liquor and gambling problem that thankfuly I have actually put aside. If some body asks to provide you 1000 at four each direct lender payday loans in Rhode Island day, would any person that is sane you that? It is not really concerning the cash it’s for my wellbeing for me. I would like them to understand it wasn’t okay plus they took advantageous asset of me personally. They could stick 500 i will cause them to feel a little bit of discomfort the way that is same did. Sorry to rant, drops mic