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“Super Claim In Progress...Stay WELL Away!!!”

written by DanD22 on 23/05/2022

I took out a loan for £5,000 in 2013 and kept up with my repayments until 2015 when the full balance was repaid and the agreement concluded. In 2020 a company approached me and advised that I could be due compensation from Amigo and a complaint was filed for miss-lending. Amigo agreed that they were at fault, and compensated both myself and the guarantor.

It was clearly wrong of me to make a complaint, as this resulted in Amigo deciding that I now somehow owe them just over £600, which they have now marked on my credit file, although I've not received any formal demand for payment in two years.

I recently checked my credit file and noticed that Amigo has been sending updates to the credit reference agencies on a monthly basis for the past 2 years, but still I have heard nothing about this during that time. When I queried this with them, they advised that this was the amount I owe them following the outcome of my complaint in 2022 relating to my credit agreement of 2013. I advised them that this agreement now falls outside of the statute of Limitations act and as per the Consumer Credit Act, requested a copy of a valid credit agreement for this amount. The company simply sent me a copy of the original agreement and declined my request to remove the data from my credit file.

When I threatened them with the Financial Ombudsman, they advised that there is a 'super claim' with them currently and so the ombudsman would not intervene. So as far as I'm concerned, that means they think they can do whatever they want until the super claim is concluded and they go out of business (or not).

I really hope this company loses its credit license soon because the way they milk everyday people for ridiculous amounts of money is horrendous.