In reply to Emma.
I suggest you go back to your adjudicator and argue that you bank did not need to ask you for information as it already had access to your bank statements which showed a large number of recent payday loans and other debts. The bank ignored this information that it already had by offering you the Loan. Reliance on payday loans suggests you were in a financial mess and it was irresponsible to give you more money without being sure it was affordable. It wasnt enough to clear all your debts so it just became part of your debt problem.
Ask for this to go to an Ombudsman the adjudicator doesn’t change their mind.
