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Hi there, Could I ask if there is a time limit from the date a loan started. For making a complaint about irresponsible lending please?
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6 years from the end of the loan if you wanted to pursue a claim under s140A Consumer Credit Act 1974Originally posted by poppyred10 View PostI work for Roach Pittis Solicitors. I give my free time available to helping other on the forum and would be happy to try and assist informally where needed. Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability.
If you need to contact me please email me on Pt@roachpittis.co.uk .
I have been involved in leading consumer credit and data protection cases including Harrison v Link Financial Limited (High Court), Grace v Blackhorse (Court of Appeal) and also Kotecha v Phoenix Recoveries (Court of Appeal) along with a number of other reported cases and often blog about all things consumer law orientated.
You can also follow my blog on consumer credit here. -
Hi again,Originally posted by pt2537 View Post
Thank you for your response.
I had asked the question on behalf of my sister and late mother, who I have recently discovered have been having home credit loans from Provident for a period of 10 years.
My sister clearly has some learning difficulties, and is currently suffering from mental health issues. Bi Polar, Psychosis and Mania..
She had 18 loans over the years. 13 of which were paid off by early settlement balance. Paid by having further larger loans. One original loan was for 1,400 esb was over 900 pounds.Paid off by having a bigger one. Even though she was already in arrears with one loan. My sister still owes 1800 pounds and has been paying it back at a lower rate for the last 5 years since Mother passed away.
Mom had 13 loans over a similar period. 9 of these were paid off by further loans early settlement. The last time she had a loan she was aged 82 wheelchair bound and on 24 hour oxygen. The 1200 pound loan was to be paid off over 106 weeks at 24.00 per week. How could they allow this? She passed away owing 4 payments which were quashed on her death.
Do you think there is a case to complain? If there was a possibility of them releasing my sister from the 1800 pounds debt still owed. I t would certainly relieve my sister from some stress I think. Although I haven`t a clue if anything could be done about our moms case now she has passed away. I am just so angry that vulnerable people like them, can be taken advantage of in this way.
Is there any way that I can get Provident investigated or blacklisted is some way . I so wish I could.
Thank youComment
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