Son being chased by SLL Capital

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  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
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    John_Jones wrote: »
    You do not want him to pay any interest at all for the use of the money, and no fees for making them chase for it?

    You can expect his credit record to show this, which means he ought not to look for work in finance when he graduates.

    His credit report isn't going to show it forever; a few month at worst as no ccj has been obtained. Once this drops off he would be fine to work in the finance industry if he wanted.
  • yus786
    yus786 Posts: 663 Forumite
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    On Legal Eagles, someone suggested sending an affordability complaint and a SAR to Sunny. And a CCA request and a SAR to SSL Capital to find out exactly where things stand.

    Thoughts?

    Shall i send the Prove it first or the above
  • sourcrates
    sourcrates Posts: 28,878 Ambassador
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    edited 30 May 2018 at 1:10PM
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    yus786 wrote: »
    On Legal Eagles, someone suggested sending an affordability complaint and a SAR to Sunny. And a CCA request and a SAR to SSL Capital to find out exactly where things stand.

    Thoughts?

    Shall i send the Prove it first or the above

    All of the above.

    Debt camel website for payday loan refunds info and template letter.

    National debt line for CCA request info and template letter.

    ICO website for SAR info and template letter.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • yus786
    yus786 Posts: 663 Forumite
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    sourcrates wrote: »
    All of the above.

    Debt camel website for payday loan refunds info and template letter.

    National debt line for CCA request info and template letter.

    ICO website for SAR info and template letter.

    Sorry, just to confirm then. I need to send the "Prove It" Letter too to SLL?

    Or shall i just go ahead and send the SAR and CCA to both Sunny and SSL?
  • Karonher
    Karonher Posts: 916 Forumite
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    yus786 wrote: »
    Can we deny taking out this loan in the first instance and ask for proof?

    My son took out £300 but there is no mention of that on the SLL Letter. They are straight up asking for £988

    Like i said, we'll pay the £300

    Why would you even think of this? He took the money he owes it - and there would be interest on the £300 anyway.

    His credit file was mentioned and it will show even without a CCJ if he has defaulted.
    Aiming to make £7,500 online in 2022
  • yus786
    yus786 Posts: 663 Forumite
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    Karonher wrote: »
    Why would you even think of this? He took the money he owes it - and there would be interest on the £300 anyway.

    His credit file was mentioned and it will show even without a CCJ if he has defaulted.

    He took £300. We doesn't owe £988 3 months later. That is not an "Affordable loan"
  • sourcrates
    sourcrates Posts: 28,878 Ambassador
    First Anniversary Name Dropper First Post Photogenic
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    yus786 wrote: »
    Sorry, just to confirm then. I need to send the "Prove It" Letter too to SLL?

    Or shall i just go ahead and send the SAR and CCA to both Sunny and SSL?
    SAR, CCA and complaint to sunny.

    Make em work for their blood money.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
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