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 towards the 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 exactly the same offer that we asked for nevertheless 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 right back in charge of my entire life.

I’ve just gotten a contact from QuickQuid offering me personally 500, my goal is to reject it regarding the foundation that

A. We borrowed over 17,000 up to the point that We asked for my account to be cancelled.

B. They acknowledge that when I requested my account to be terminated, they proceeded to provide in my experience (I happened to be in a poor spot). They will have perhaps not supplied information on exactly exactly how much financing here had been when I requested the account to be terminated.

C. My mom had to bail me away 1000 to quid that is quick I have proof of the deal, in addition to undeniable fact that on the same time she paid WageDayAdvance 700 and paydayexpress 500, which ultimately sjust hows simply how much difficulty I happened to be in.

D. 500 is bull crap

Have you got experience of anybody requesting an account to yet be cancelled the lending company proceeded to provide? Can there be point of legislation for this impact? Certainly there was a duty never to lend further as soon as the account happens to be expected to be closed?

I’d actually appreciate any assistance with this, my goal is to fight and simply just just take this into the ombudsman.

Sara (Financial Obligation Camel) says

Hi Tommy, shockingly reckless financing. You don’t need certainly to quote point of legislation online payday loans Connecticut no credit check, the Ombudsman discusses what exactly is reasonable 🙂

Many thanks for the response, it’s this that they wrote…

Although we offered re re payment help to further you our records suggest that your particular demand to completely shut your account had not been honored.

We don’t keep in mind them providing payment assistance either! Can I compose for them to share with them we reject their offer and will also be referring the problem towards the ombudsman?

I truly wish to know exactly how much We borrowed when I asked for the account to be closed. Clearly they need to offer this? It is likely to be over 10,000…

Do you believe i’ve a case that is decent the ombudsman?

Really appreciate your assistance about this, many thanks.

Before going into the Ombudsman write into the CEO of fast Quid over here, you’ll find the e-mail addresses regarding the FCA register it is under EuroCash. We additionally wrote to your CEO in US who heads the moms and dad pany (CashAmerica) to quid that is quick. That address can be found by you at lead411. IMO you have got a fantastic situation and you are clearly more then entitled to your loan history. Have actually you attempted signing to your fast quid account, i did so and I also got the annals 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 Method Back whenever Machine Inter archive plus it show no questions regarding credit mitments or outgoings had been ask. I also examined my account information on their system as of now and you may start to see the relevant concerns they added recently includes outgoings and credit mitment concerns. For those who have answered those concerns then to tell the truth We can’t observe you’ll get anywhere. Independent of the loans once you request they cancel your bank 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. When I said check out just how when device to see just what the application form web page appeared to be when you initially started your account screenshot after that it you will need to log to the your bank account and always check your account details, that may additionally provide you with your loan history. Best of luck s

Sara (Financial Obligation Camel) says

Hi Louise, plenty of helpful information in there.

Nevertheless the concern of whether “lying” on a software stops a plaint being made is not so easy… People may not have grasped or understood exactly exactly just what the numbers were – as being a financial obligation consultant I’m sure exactly exactly how few individuals have an exact concept of their outgoings. If somebody borrows usually with tiny gaps amongst the loan provider need to have spotted that as an indicator of distress whatever figures the debtor had entered.

Actually appreciate whatever you assist. I shall compose some aggravated letters on Monday and determine just what their next move is. We will help keep you published, thanks once more. Tom

Totally realize Sara. I acquired my information as I’ve possessed a appearance regarding the quantity of upheld plaints against one that had been refused. The main reason we state so it maybe reject for that is due to 2 instances we read for the ombudsman choices had been that the buyer was indeed expected the questions regarding credit mitments and outgoings regarding the brand new QQ application form. It was taken by the FOS that QQ accepted the consumer based on just exactly what information the client offered. Then that is the fault of the customer not QQ if those figure were inaccurate. From the this 1 since it is exactly what prompted us to check out the long ago whenever machine to see if i obtained it incorrect in addition they did ask, luckily for us I happened to be appropriate they didn’t. 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 well worth a spin however because what your ine and outgoings had been in the 1st application might be different the month that is next. QQ demonstrably knew their application back 2008 – 2011 were insufficient simply because they changed it to add outgoings and credit mitments but i really couldn’t discover once they changed it. That’s why it really is checking that is worth one ended up being completed. Best Of Luck

We kinda think that regardless of the actual fact that We 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 nevertheless they didn’t, destroyed a gf due to it, had been suicidal, We don’t care exactly what anybody states it absolutely was reckless and I would like them to acknowledge it. I experienced a medication, liquor and gambling issue that thankfuly I have put aside. If some body asks to provide you 1000 at four each day, would any person that is sane you that? It is not concerning the cash it’s for my wellbeing for me. I would like them to learn they took advantage of me that it wasn’t ok and. They are able to stick 500 my goal is to cause them to become feel a little bit of discomfort the way that is same did. Sorry to rant, drops mic