Is it worth fight MMF in court under unfair lending?

[Sparechange]

Hi, I've just joined the forum to see if anyone can point me in the right direction re QuickOuid/Motormile Finance/Moriarty Law and their related Henchmen?
I have a court hearing in 2 days. They've issued all paperwork but of course are not attending in person. My issues lie with their lack of cooperation in firstly identifying the original lender, fairness when trapped in the spiral of multiple Payday lenders with APRs in excess of 1700% etc etc.
What are my chances of success or should I just throw in the towel and drown in a spiral of extortionate charges and compounded interest? Incidentally I repaid all the capital and 3/4 of the interest but then came unstuck and the resultant charges pushed affordability right out the window! Never did they accept an affordable repayment plan but simply offered further lending which I refused.
Thanks in advance for any advice.

[warwick65]

How do you know they will not be attending?

Without knowing more about the details of the claim it is impossible to know what you should be doing

[MIKE770]

try a Chrystal ball??? posters we need information on posting or it is time consuming

[jaguarsuk]

If you want to complain about a loan on the grounds of affordability or any other reason you have to address the complaint to the original lender. They don't always reject it (99% of them do) and if they do you then have to complain to the Financial Ombudsman Service.

This should have been done when they first wrote to you before filing a claim and then you should have informed them. You can still do it, but with a hearing in 2 days it's going to be an after the claim type thing I'm afraid.

[Sparechange]

Hi, I've just joined the forum to see if anyone can point me in the right direction re QuickOuid/Motormile Finance/Moriarty Law and their related Henchmen?
I have a court hearing in 2 days. They've issued all paperwork but of course are not attending in person. My issues lie with their lack of cooperation in firstly identifying the original lender, fairness when trapped in the spiral of multiple Payday lenders with APRs in excess of 1700% etc etc.
What are my chances of success or should I just throw in the towel and drown in a spiral of extortionate charges and compounded interest? Incidentally I repaid all the capital and 3/4 of the interest but then came unstuck and the resultant charges pushed affordability right out the window! Never did they accept an affordable repayment plan but simply offered further lending which I refused.
Thanks in advance for any advice.

It said so on the court papers.

[Sparechange]

Thanks for your responses but I contacted them and came to an out of court settlement. Far too stressed...

[Amethyst]

What happened at the hearing? and have you put in an affordability complaint against Quikquid for the original loan ?

[Amethyst]

Ahhh. Still do an affordability complaint direct with Quikquid and possibly the ombudsman - that you had multiple payday loans at the time and they offered further lending when they knew you were struggling could all help with that. Debt Camel has some good info on her site here - https://debtcamel.co.uk/payday-loan-refunds/

[Sparechange]

I contacted them at the 11th hour to settle. At first they refused but then reconsidered. I feel I let them get away with it but have so much to deal with right now including a pending repossession of the family business by together/Lancashire Mortgages et al and their charges for subprime lending. A 28K secured loan 12 years ago, has already cost us 85K. When will this dreadful industry be addressed?
Regarding QQ and Affordability ..They simply denied it all. I have gone to the Financial Ombudsmen too but heard nothing. Thank you for your response though.

[Amethyst]

It's like banging your head against a brick wall at times isn't it.

Completely understand you getting that one out the way with bigger fish to deal with … Have you got proper advice dealing with this Together/Lancashire secured loan ?