Guarentor problems

sprite1508

nope still waint, their complaints policy states........................
"At FLM… our customers come first, so we work hard to deliver the best possible service. Any feedback or complaint is important for us to drive improvements in our company.
Take the first step:
Tell us… about your complaint, if you’ve not yet done so. Complete our online form, found at http://complaints.flmloans.co.uk/, write to us or call us on 0871 911 0002.

We’ll aim to resolve your complaint and give an answer within 48 hours by email and telephone or within 7 days by letter.

However… if you’re dissatisfied with the way we handle your complaint or the result, rest assured that we’re not happy until you are.
Here’s what to do next:
Contact us… with your dispute to refer your case to a Customer Relations Specialist.

Leave it to us
We will… provide you with the name and contact details of your Customer Relations Specialist.
If you have any additional information or queries, you will be able to communicate this directly with them.
They will… take a personal interest in your case with an independent approach to resolving the issue.
You may be contacted during this time if they require any other details relevant to the complaint.
You will… be given a written response within 5 working days, containing a full report of the outcome.



im at this 2nd stage so they still have 2 days left to write to me........ im ont holding by breath to be honest tho

sprite1508

ok so iv just got this email , sounds like their prepared to knock the interest off since that woman changed my details, so thats positive! also proves they know they were ni the wrong - he hasnt answered the other questions of what actual security questions were asked and have they found the telephone recording.

michael1983l

[TEXT DELETED BY FORUM TEAM]
Hold your ground and tell them you are no longer responsible for the debt due to their lack of default notice in the 6 months set out by the consumer credit act. Advise that since this period it has made it much more difficult for you to deal with your friend and that because of this and the fact they failed to abide by the consumer credit act that you contract with them is now void. tell them if they feel this is incorrect then you will be forced to let a judge decide who is right and wrong.

sprite1508

dont you think that they could just tell me to sod off tho? i wouldnt put it past this company to `lose` telephone recordings etc to totally disprove my claims, then leave all charges and interest on...... im actually shocked their responding as they are!?!
i do accept some responsibility as i was stupid enough to go guarentor, and had i have known about it in oct last year i would have just paid it off and recovered the money back via the small claims court, i want to push it as i know your right but i also think that the loan company lent the cash out in good faith and they shouldnt be out of pocket either..... ooo i just dont know what to do.
Iv replied and `reminded` them that another payment is due on the 4th so could they be speedy in their investigations - theyv replied assuring me no more interest will go on during this time, my final reply included a request for compensation to be added to the final figure due to their mismanagement!!!

he said theyll get back to me tomoz

patman99

Btw, if you end-up taking this sponger to Court, don't forget to add-on the Court fees plus a reasonable amount to cover postage, communications, lost interest and research. I reckon about £500 on top should be about right. Also go for an 'Attachment of earnings', that way the money will be deducted from her wages so unless she leaves her job, she will continue to pay until the debt is cleared.

sprite1508

iv actually just submitted a claim via MCOL,
The sum I am claiming is £2728.75 - (the settlement figure on 4th Sept 2011 when I had to take over the loan), and £50.00 (loaned to ******* on 6th August 2011), £2.46 recorded delivery charges.
Total - £2781.21

Wanted to get it done BEFORE the loan company get back to me with a final figure if you know what i mean - then depending on the outcome will depend if i knock it off for the skanks................... iv not added any other interest or the things you mentioned a s the judge might not like it and i dont want to annoy them lol, im quite happy just to get what iv paid out and be done with it. cant wait till all tihs is done n dusted

sprite1508

So FLM are prepared to refund £963.86 worth of interest and £101.00 worth of late/letter charges = £1064.86 in total, leaving me £1512.70 to pay. dont think i have any other choice do i, should i be thankful their doing this or be annoyed they allowed this mess in the first place???

rising_from_the_ashes

Did they ever come back with the security questions?

If your former friend pretended to be you to change the details, then she has committed fraud and FLM / police should be taking this further .... I still don't see how you can be held responsible for the account when a fraud has been committed!

If she was able to "beat" the security questions, they can't be stringent enough and this should be another thing that needs addressed.

sprite1508

rising_from_the_ashes wrote: »

Did they ever come back with the security questions?

If your former friend pretended to be you to change the details, then she has committed fraud and FLM / police should be taking this further .... I still don't see how you can be held responsible for the account when a fraud has been committed!

If she was able to "beat" the security questions, they can't be stringent enough and this should be another thing that needs addressed.

Hi, no they never answered so iv asked again, i got the police involed a while back and they said they cant do anything as she never tried to get further`financial gain` from it ??!!!! i pushed it but got nowhere, they did say they would go round and `have a word` as they did agree what she did was morally wrong.
I really dont think im gonna have much choice but but pay this now then continue with the small claims court, i am a little pleased its gone from 2700 to 1500 ish, massive lesson learnt i can tell you!

iv worked out i can have this cleared in about 10 overtime shifts- goodbye social life for a few months :eek:

rising_from_the_ashes

sprite1508 wrote: »

Hi, no they never answered so iv asked again, i got the police involed a while back and they said they cant do anything as she never tried to get further`financial gain` from it ??!!!!

What!

She's basically done it to get out of paying for a loan knowing that you'll have to step in as the guarantor .... how is that not financial gain!:mad:

I'd be seriously tempted to write a letter to the police complaints lot at your police HQ.


I guess it depends on how you look at it - if you want to just "get shot" of it and put it all behind you .... (and at least your credit file hasn't been damaged) then I guess you could pay .... but it's still not right and you shouldn't have to as a fraud would appear to have been committed and as others have said it should now be voided.