i have read of a couple of cases of irresponsible lending by the banks where they have agreed to write of the debts.
in my case i have taken out a series of loans totalling over £100,000. i am self employed and stated that i was earning £65,000 per year. the banks asked for proof of income. i said i was self employed and filled in my own accounts. they then asked me to send them a copy of my accounts. i said i didnt have any. they then asked for a letter with a proof of my self employed status. i faxed over a copy of a letter from the inland revenue with a refernce on it for a self employed person. this was in actual fact a letter saying that owed£100 as a result of filing my tax return late.
i must also stress that i have taken out these loans in the last few months.
i am not sure how much more detail to go into. i can obviously expand further.
i would basically like to know if there is case against the banks in this situation for irresponsible lending
in my case i have taken out a series of loans totalling over £100,000. i am self employed and stated that i was earning £65,000 per year. the banks asked for proof of income. i said i was self employed and filled in my own accounts. they then asked me to send them a copy of my accounts. i said i didnt have any. they then asked for a letter with a proof of my self employed status. i faxed over a copy of a letter from the inland revenue with a refernce on it for a self employed person. this was in actual fact a letter saying that owed£100 as a result of filing my tax return late.
i must also stress that i have taken out these loans in the last few months.
i am not sure how much more detail to go into. i can obviously expand further.
i would basically like to know if there is case against the banks in this situation for irresponsible lending
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