We made a plaint to fast quid over 4 months ago, fast quid came ultimately back and stated this has done every thing it will have. I wasn’t pleased and took it to your Financial ombudsman, after about four weeks waiting around for an adjudicator I became given one who contact me personally and did quid that is quick 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 therefore I may be getting simply over 2500 from their website for the period of 2010 to provide.
So stay with it everybody else. Personally I think like I’m finally straight straight back accountable for my entire life.
I’ve simply received a message 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 I 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 became in a poor destination). They’ve perhaps not supplied information on exactly exactly exactly how lending that is much had been when I asked for the account to be cancelled.
C. My mom had to bail me out 1000 to quick quid, We have evidence of the deal, plus the undeniable fact that on a single time she paid WageDayAdvance 700 and paydayexpress 500, which ultimately sexactly hows how much difficulty I happened to be in.
D. 500 is bull crap
Have you got experience of anybody requesting a free account to yet be cancelled the lending company proceeded to provide? Can there be point of legislation to the effect? Undoubtedly there clearly was a obligation not to lend further as soon as the account happens to be asked to be closed?
I might actually appreciate any assistance about this, my goal is to fight and simply just take this into the ombudsman.
Sara (Financial Obligation Camel) says
Hi Tommy, shockingly reckless financing. You don’t need certainly to quote a true point of law, the Ombudsman talks about what exactly is reasonable 🙂
Many thanks for the response, it’s this that they penned…
Although we offered payment support to you our documents further suggest your demand to permanently shut your account had not been honored.
We don’t remember them payment that is offering either! Can I compose in their mind to share with them we reject their offer and will also be referring the problem towards the ombudsman?
I truly wish to know just how much I borrowed when I asked for the account to be closed. Undoubtedly they should provide this? It is likely to be over 10,000…
You think i’ve a decent instance for the ombudsman?
Actually appreciate your help with this, many thanks.
Prior to going to the Ombudsman write towards the CEO of fast Quid over here, you’ll find the e-mail addresses in the FCA register it is under EuroCash. In addition composed into the CEO in United States whom heads the moms and dad pany (CashAmerica) to quick quid. You will find that target at lead411. IMO you have got a fantastic situation and you’re more then eligible to your loan history. Have actually you attempted signing into the fast quid account, used to do and I also got the real history after that. Whenever did you take out very first loan? Mine ended up being 2008 and I also examined their application page kind that time on the real way Back When Machine Inter https://cash-central.com/payday-loans-in/ archive plus it show no questions regarding credit mitments or outgoings had been ask. We additionally examined my account information on their system currently and you may look at relevant concerns they added recently includes outgoings and credit mitment concerns. When you have answered those concerns then to be honest We can’t observe how you’ll get anywhere. Independent of the loans whenever you request they cancel your bank account and so they didn’t. I really could be incorrect but IMO if those concerns had been answered truthfully and additionally they lent for you then perhaps you might have a instance, if you didn’t and you also lied to have 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. All the best s
Sara (Debt Camel) says
Hi Louise, a lot of helpful information in there.
However the concern of whether “lying” on a credit card applicatoin stops a plaint being made is not so easy… People may well not have comprehended or understood exactly exactly what the numbers were – as a financial obligation advisor i understand exactly just how few individuals have actually a detailed 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 anything you assist. I am going to compose some upset letters on Monday to check out exactly just just what their move that is next is. We shall help keep you published, thanks once more. Tom
Totally realize Sara. I got my information as I’ve possessed an appearance in the quantity of upheld plaints against one that had been refused. The reason why 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 just exactly what information the consumer provided. If those figure had been inaccurate then this is the fault for the client maybe not QQ. I recall that one since it is exactly what prompted us to check out the long ago when device to see if i obtained it incorrect plus they did ask, luckily for us I became appropriate they didn’t. The FOS worked in extremely mysterious methods for the reason 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 clearly knew their application back 2008 – 2011 had been insufficient since they changed it to incorporate outgoings and credit mitments but i possibly couldn’t discover once they changed it. That’s why it really is checking that is worth one ended up being done. all the best
We kinda think that regardless of the actual fact that We borrowed over 17000 together with them , rolled them over on a monthly basis for 36 months, had numerous loans along with other loan providers, asked them to shut my account however they didn’t, destroyed a gf due to it, was suicidal, We don’t care exactly what anybody claims it had been reckless and I also would like them to acknowledge it. I’d a medication, gambling and alcohol issue that thankfuly I have actually left out. If somebody asks to provide you 1000 at four each day, would any sane person provide you that? It’s not really concerning the cash for me personally, it is for my well-being. I would like them to understand it wasn’t ok plus they took benefit 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