Payday Loan Ombudsman Victories - Large Refunds!!!!

BillJones

simonp96 wrote: »

Thanks for your constructive commments.

just out of curiousity, what do you think the ourcome of the complaint for irresponsible lending should be with the ombudsman?

Them holding their heads in their hands and then rejecting the complaint.

We all see cases of the authorities making bad decisions ((witness this week's escaped prisoner debacle). Your case sounds like one of those.

I hope that you'll not go down the same route again, but suspect that you will. Best of luck anyway.

sourcrates

There are lots of opposing views on this thread, all I can say is the people who are giving the OP a hard time have never been gamblers, it is an addiction, just like smoking for instance, you cant help put that little white stick in your mouth, even though you know its not going to turn out well for us, its a similar thing with gambling, my personal addiction was fruit machines, I would spend hours playing them, its indescribable the thrill of winning, and the downside, the utter despair when your last pound coin goes in, and you lose !!!
You will do and say anything to get your gambling stake, it states in most PDL companies terms and conditions "only to be used as a short term financial solution" the fact the OP was renewing these loans every month should of made them aware there was a problem here, but as with most of these companies, they are only interested in profit, I for one can understand "where your coming from OP" and im glad your managing to control your addiction :T !!

-taff

DJBlu wrote: »

Gambling addiction isn't an illness?.

No, it isn't, because as I said, you can't catch it, it's not inherent in your mke up from birth.

I'm not making any accusations against people who are addicted to gambling, I'm making a statement that it's not an illness.
It's easy to blame something else for your own actions, 'oh, I can't help gambling, it's an illness' which makes it sound like it's no-ones personal responsibility for beginning in the first place.

Illness is something that can't be helped. Everyone who gambles makes a conscious descision to start doing it, then they may or they may not become addicted.


Nowhere have I 'knocked' someone who is addicted to it, nor made any disparaging remarks to the OP.

FireWyrm

Man breaks into a house, steals jewellery and money, is arrested and charged with theft. Man breaks into same house while occupants are away, changes the locks, moves in and it is now 'squatting'. There are suddenly a million agencies and people with a political ambition literally queuing up to testify that the intruder is in fact a victim of society, his upbringing and life in general and any punishment at all is harsh and unusual. The difference between these two scenarios is that one is theft and the other is still theft, just on a larger scale. Go figure.

Monkeyballs

-taff wrote: »

No, it isn't, because as I said, you can't catch it, it's not inherent in your mke up from birth.

I'm not making any accusations against people who are addicted to gambling, I'm making a statement that it's not an illness.
It's easy to blame something else for your own actions, 'oh, I can't help gambling, it's an illness' which makes it sound like it's no-ones personal responsibility for beginning in the first place.

Illness is something that can't be helped. Everyone who gambles makes a conscious descision to start doing it, then they may or they may not become addicted.


Nowhere have I 'knocked' someone who is addicted to it, nor made any disparaging remarks to the OP.

Hi Taff,

I see what you are saying but some people are simply less capable of resisting certain urges, think kleptomania, pyromania, etc.

Gambling can and should be a perfectly innocent act but for whatever the individuals reason can become an obsession and because you need to fund that obsession it becomes extremely damaging to both the individual and those around them, the knowledge that they are doing something harmful makes it shameful .

It's this which makes it an illness - even when I spoke to my GP he described it as a mental illness and he's a medical professional so...

MB

Marker_2

-taff wrote: »

No, it isn't, because as I said, you can't catch it, it's not inherent in your mke up from birth.

I'm not making any accusations against people who are addicted to gambling, I'm making a statement that it's not an illness.
It's easy to blame something else for your own actions, 'oh, I can't help gambling, it's an illness' which makes it sound like it's no-ones personal responsibility for beginning in the first place.

Illness is something that can't be helped. Everyone who gambles makes a conscious descision to start doing it, then they may or they may not become addicted.


Nowhere have I 'knocked' someone who is addicted to it, nor made any disparaging remarks to the OP.

What is inherent in your make-up from birth is debatable. Also many illnesses are brought on by other factors not in your genetic make-up.

How someone comes to be addicted is one thing. People clearly do not choose to be addicted, and more than likely a dysfunctional upbringing has contributed to them needing an escape in the first place.

But it is 100% a mental health related issue which is an illness.

-taff

Is smoking a mental health issue?
Is weed/heroin/ketamine a mental health issue?


It's simply an addiction, but it's more PC these days to describe it as being out of soeone's control by describing it as a mental health issue.

I don't doubt that some people who gamble or smoke or take drugs do have mental problems, but I don't think you can say cateorically that gambling is a mental health issue, other than in terms of someone convinces themselves they have to do it.

fatbelly

Hi Simon P

I don't feel qualified to comment on the gambling issues and I try not to give advice on issues of morality. But I just wanted to say thank you for your original post as I didn't realise that the FOS was so kindly disposed to ordering PDLs to make recompense to people, and that will be useful information in dealing with some people I see at the CAB.

Right, I'll unsubscribe now and leave you guys to get on with the discussion...

Drunk_Monkey

simonp96 wrote: »

That wasn't my intention.

I just wanted to share what had happened to me.

Yes, im pleased the way it has worked out. who wouldn't.

But i also understand the feeling of desperation and know about sleepless nights etc from this experience.

Yes i was irresponsible, i accept that but so were the PDLs in lending to me.

What about your girlfriend's son? Have you paid him back? What about your mum? Christ! Have you paid her?

Let me guess here ... since he didn't hide his money well, this constituted irresponsible behaviour ... ergo, your only liable to pay back half the money due to his "irresponsibility". Your mother should have probed-and-questioned you more about your "financial difficulties" regarding loans .... so she has acted irresponsibly too.

Being an adult is accepting responsibility for your actions. You're trying to shift that responsibility onto others so they carry the burden of your actions!

There is no victory on your thread.

Monkeyballs

-taff wrote: »

Is smoking a mental health issue?
Is weed/heroin/ketamine a mental health issue?


It's simply an addiction, but it's more PC these days to describe it as being out of soeone's control by describing it as a mental health issue.

I don't doubt that some people who gamble or smoke or take drugs do have mental problems, but I don't think you can say cateorically that gambling is a mental health issue, other than in terms of someone convinces themselves they have to do it.

LOL, ok lets just agree to disagree as you seem to agree on the principle, just not on the terminology being used.

It's hard to understand until you have experienced it and trying to explain it to someone who has no experience is made more difficult by their lack of understanding - there is nothing simple about addiction.

Bottom line is some people wake up and realise they have a problem, others refuse to. What they do after that is up to the individual.

BTW. All examples you mention are due to substance abuse

MB