Chique Photography / PayItMonthly - False Information on Application

[Dave E]

Hi All, Newbie here

Yet another Chique Photography victim here. Currently lodging complaint as scammed off for £600 package.
Chique are using the "you signed the documents and left" excuse and " why did you sign something where you hadn't read the T&C's"

But ive subsequently found out from the finance company PayItMonthly that Chique have put fraudulent information on the application form. they have omitted to ask expenditure figure and put a fake figure in for one of the expenditures (which wasn't asked to me) which is substantially lower than the true figure but aids Chiques application on my behalf.

I've lodged a complaint with PayItMonthly and am currently at the "Reminder" letter stage with Citizens advice with Chique.

the advice really is that i'm after, if the original application form for the credit which Chique generated and falsified is incorrect and did not provide the finance company with a true reflection of my expenditure (by well over £500), does that null and void any agreements based on the credit (unregulated loan) following?

[tinaclark]

Hi Dave

I have also been a victim of Chique Photography. I have been talking with trading standards and advertising standards. I wondered how you were going about dealing with Chique photography and Payitmonthly. I have had a lot of phone calls and emails from Payitmonthly. We did not get any help from citizen advice bureau unfortunately. We were not asked about any expenditures at all and I do not remember any kind of any expenditure sheet put in front of us. If yoy have not tried these avenues I urge you to do so. You might get an answer to your question from the financial ombudsman if you don't get any luck here. Hope you get sorted

[chloehart]

Hi, I've also unfortunately dealt with the same issue.I'm still in the process of resolving it, there is a page on Facebook you could follow https://www.facebook.com/Chique-Phot...0113094718035/ what has citizens advice said to you?