Opening the batting

[Warwick65]

I am really sorry you felt I was judging - please believe me that was the last thing on my mind.

I was suggesting you tried, if possible to get the facts from your grandson - it really doesn't matter if he exaggerated his income a little and he would not be the first person to stretch the truth on an application form

Many many years ago, I took the DWP to task because my stepson swore he had not received his 'giro'. I complained and made a right fuss- how do you think his mum and I felt when they produced a signed receipt for said giro. Maybe that makes me a little cautious these days

What is needed is a plan to tackle these debts.If that plan needs amending for his benefit then that is what needs to be done.

People come onto this forum with all sorts of problems, I don't judge and I know others don't judge so once again the sincere apologies if you think I was

To paraphrase my own Dad- anything is manageable if you know the facts

[batsman]

There you go again assuming , I know the boy ive brought him up , I suggest your judgement Is coloured because what happened to you , I am going to lay his life bare on this forum and now im not sure its the right thing to do .

[Still Waving]

If I might intercede - Warwick65 has apologised twice in his post. If you really want help for your grandson from the forum, could you not be a little gracious and accept the apology for what it is?

As for laying his life bare, he is going to remain completely anonymous to us here, so you need not be troubled on that score.

[Warwick65]

Again, please read what I said.

I am sorry if I offended

I did not ask you to lay his life, or yours bare. I just suggested YOU were aware of all the circumstances so YOU could help him. I have already linked you to help with affordability complaints.

These companies and the debt purchasers who buy them have few morals and sail so close to the law they frequently stray onto the wrong side.

Anyway
Goodnight

[nightwatch]

Hi batsman and welcome to AAD

I am sorry if Warwick has annoyed you with his comment.
I am sure Warwick was not trying to make an "instant" judgement,
I think they were just trying to make you aware of the things some people do when desperate toget that extra money, (don't forget they also had payday loans)
we are all on this site because of " Mistakes" made at one time or another, we cannot judge because we do not have all the facts, or know the reasons why anyone takes the course of action that they decide on,
I am just so glad that your grandson has put his trust in you and I hope you will please trust Warwick to help point you in the right direction,

Nightwatch xx

[The Tech Clerk]

forward to the next step!!!

[batsman]

Sent Warwick a pm lets move on

[Joanna Connolly Solicitors]

I think it may be worth making affordability complaints against all the companies. Now remember they will probably refuse so you will need to go to the Fos

here is a decent guide to getting them https://debtcamel.co.uk/payday-loan-refunds

I agree with Warwick's advice to make affordability complaints on all the PDLs.

Specific help can be given once you've made a post for each one so it's clear who the lenders are/were.

Have any of them been assigned (i.e. sold) to a debt purchaser? If so the complaint would go to the original lender while at the same time making the debt purchaser aware that there is a complaint (and therefore a dispute) going on.

Di

[Joanna Connolly Solicitors]

He also had a car on finance which has been repossessed and just had a bill for 3500 for the remaining finance .

Once you've got a strategy in place for the seven PDLs we can start to see what needs to be done about the car finance situation.

Who is chasing him for that debt?

(Post up the history when you're ready.)

Di

[The Tech Clerk]

we cannot advise fully until we know who the companies are and the relevant information? next step move forward!

[batsman]

Hi There I still intend to post the debt list but my best friend was rushed into hospital last week with heart problems and I have been taking his wife to hospital daily ( 80 mile round trip ) so bare with me a while .
Thanks Batsman

[batsman]

HI there im back again my friend had open heart surgery was in intensive care for 3 weeks and is now thankfully on the mend , the debt letters have been arriving and I will start a diary in the UE section in a couple of days --- regards batsman

[The Tech Clerk]

Hello Batsman glad freind on the mend, yes start the Diary

[nightwatch]

welcome back x