Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • ml1973
    • By ml1973 28th Apr 17, 2:42 PM
    • 11Posts
    • 4Thanks
    ml1973
    Vivus Default
    • #1
    • 28th Apr 17, 2:42 PM
    Vivus Default 28th Apr 17 at 2:42 PM
    Hi everyone!

    I was/am struggling with multiple payday loan debt. I wrote to Vivus to complain about unaffordable and irresponsible lending but their final response fobbed me off. They sent me a default notice and said they would default me if I didn't pay them back. Fair enough.

    I wanted to go to the FO will me complaint but was worried about the default so I arranged a barely affordable payment plan. I missed the first payment because I forgot they didn't have my new debit card details. They didn't once get in touch by phone or letter about the missed payment so I thought nothing else of it until I checked my Noddle credit file and their was a default from Vivus from the day after my missed payment.

    Should they have not sent me out another default notice? because after they sent out the original default notice, we had arranged a payment plan.

    Have a got any grounds for complaint or should I try my luck with the Financial Ombudsman?

    Thanks
Page 1
    • IAmWales
    • By IAmWales 28th Apr 17, 2:46 PM
    • 1,223 Posts
    • 2,583 Thanks
    IAmWales
    • #2
    • 28th Apr 17, 2:46 PM
    • #2
    • 28th Apr 17, 2:46 PM
    No, they don't need to send out another notice.

    Rather than complaining, focus on arranging a manageable repayment plan. A debt charity such as Stepchange can help you with this.
    • zx81
    • By zx81 28th Apr 17, 2:47 PM
    • 13,181 Posts
    • 13,493 Thanks
    zx81
    • #3
    • 28th Apr 17, 2:47 PM
    • #3
    • 28th Apr 17, 2:47 PM

    Have a got any grounds for complaint or should I try my luck with the Financial Ombudsman?
    Originally posted by ml1973
    Neither. .
    • ml1973
    • By ml1973 28th Apr 17, 2:52 PM
    • 11 Posts
    • 4 Thanks
    ml1973
    • #4
    • 28th Apr 17, 2:52 PM
    • #4
    • 28th Apr 17, 2:52 PM
    Thanks for the reply. The damage is done now for 6 years. I may as well focus clearing the debts I have that haven't defaulted.
    • sourcrates
    • By sourcrates 28th Apr 17, 4:28 PM
    • 11,929 Posts
    • 11,415 Thanks
    sourcrates
    • #5
    • 28th Apr 17, 4:28 PM
    • #5
    • 28th Apr 17, 4:28 PM
    You can still complain to the ombudsman if you think you have a case for irresponsible lending, in fact that should be your next move.

    The default i`m afraid you are stuck with, they can only default you once, per account, so the original default notice was valid.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • Tarambor
    • By Tarambor 29th Apr 17, 2:43 AM
    • 1,153 Posts
    • 798 Thanks
    Tarambor
    • #6
    • 29th Apr 17, 2:43 AM
    • #6
    • 29th Apr 17, 2:43 AM
    Funny how people are willing to shout irresponsible lending when it all goes wrong but were quite happy to sign up for loans they knew they couldn't afford.....
    • Arleen
    • By Arleen 29th Apr 17, 2:46 AM
    • 944 Posts
    • 696 Thanks
    Arleen
    • #7
    • 29th Apr 17, 2:46 AM
    • #7
    • 29th Apr 17, 2:46 AM
    Funny how people are willing to shout irresponsible lending when it all goes wrong but were quite happy to sign up for loans they knew they couldn't afford.....
    Originally posted by Tarambor
    That's also why complaint like that is a hail mary at best as they almost never are successful.
    • ml1973
    • By ml1973 7th Jul 17, 10:59 AM
    • 11 Posts
    • 4 Thanks
    ml1973
    • #8
    • 7th Jul 17, 10:59 AM
    • #8
    • 7th Jul 17, 10:59 AM
    Just a quick update. I got the balance written off and the default removed from my credit file. The reason being unaffordable and irresponsible lending.

    There is a website called Debt Camel. I recommend people struggling with debt have a look at it. The lady who runs it 'Sara is amazing, really knows her stuff. Cannot thank her enough.
    • nobblyned
    • By nobblyned 7th Jul 17, 7:03 PM
    • 658 Posts
    • 653 Thanks
    nobblyned
    • #9
    • 7th Jul 17, 7:03 PM
    • #9
    • 7th Jul 17, 7:03 PM
    Ah....you're just a spammer then
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

4,253Posts Today

6,773Users online

Martin's Twitter
  • Shana tova umetuka - a sweet Jewish New Year to all celebrating. I won't be online the rest of t'week, as I take the time to be with family

  • Dear Steve. Please note doing a poll to ask people's opinion does not in itself imply an opinion! https://t.co/UGvWlMURxy

  • Luciana is on the advisory board of @mmhpi (we have MPs from most parties) https://t.co/n99NAxGAAQ

  • Follow Martin