FAQ

Frequently Asked Questions

Step three a€“ bring your lender to court

Step three a€“ bring your lender to court

A quick payday loan was this short term loan intended to tide your over until such time you get money. Its a costly option to help men and women over temporary economic troubles that could lead you into even further financial trouble if you’re unable to manage to repay the loan. Pay day loan lenders should be sure you can pay off the loan before providing to you personally, but they generally you should not stick to the rules. If a payday loan provider does not proceed with the principles, you possibly can make a complaint. This will help make sure your loan provider employs the rules in future and will cause a claim for settlement.

Reasons behind worrying

A lot of payday loans lenders follow a beneficial practise Consumer Charter. They also have to follow along with regulations set down by monetary Conduct power (FCA). This implies they ought to perform specific things before lending for your requirements, like:

  • make it clear how much cash it might set you back to repay the loan as a whole
  • check your funds and private condition to ensure that youare able to pay back once again the loan
  • inform you payday loans shouldn’t be employed for long-term borrowing from the bank or you’re in financial trouble
  • tell you what direction to go if you have a grievance.

If loan providers you shouldn’t follow the Charter or even the FCA rules, you are able to whine to the lender. If you should be trying to cope paying back the income you borrowed, you can easily inquire the lending company to freeze the interest in your costs and work out a repayment strategy. If perhaps you weren’t because of the proper information or you are not happy regarding way a lender is actually dealing with your, you can whine to your economic Ombudsman Service. You are capable of getting settlement.

For an entire directory of good reasons for producing a problem to a payday loan provider, read known reasons for complaining concerning your cash advance – record

1 – compose your lender

The first thing to do try contact your lender and try to type activities with these people. You’ll need to repeat this before taking the ailment further.

Within problem, list all the methods in which you imagine their loan provider hasn’t implemented the great application rent and/or FCA principles.

Work out what you need your lender to-do concerning your difficulties and can include this inside issue. When you need to come to a repayment agreement, work-out exactly how much you really can afford to cover as well as how typically.

The financial institution must recognize your own issue within five days of obtaining it. Should they choose to explore the grievance further, they should cashusaadvance.net/payday-loans-al/ let you know and make you stay on a regular basis current.

Whine on economic Ombudsman Service (FOS)

You must promote their lender eight weeks to respond or even to type the situation around. In case you are not happy following this, possible whine with the Investment Ombudsman solution. In the event your criticism is actually upheld, you may well be supplied some payment.

The FOS look at the problem and advise you the way it maybe arranged aside. Unless you have the lead you desire, the FOS begins a formal research. The last choice offered at the end of this study is actually joining in your loan provider. However, unless you agree with it, you can easily bring your loan provider to courtroom.

There’s an occasion restrict to make the ailment. This is certainly half a year from the time you obtain your final choice from the lender exactly how it is going to handle your issue. When you haven’t have an answer from them at all, the due date is actually half a year from the end of the eight times cycle.

Whine to a trade association

The majority of payday lenders is members of a trade relationship for instance the British Cheque & credit score rating Association (BCCA). These associations anticipate her people to follow the Good Rehearse Charter might do something against them as long as they don’t. They could additionally be capable make it easier to type the issue around.

If you are unhappy making use of the response obtain out of your pay day loan lender, check which trade organization they truly are a part of after which send them a duplicate of your initial criticism, together with the main reasons why you aren’t happy with the impulse.

You can examine whether or not the loan provider was a member of a trade organization by appearing to their web sites. The trade groups which payday loan providers might are part of is:

  • british Cheque & credit score rating connection (BCCA) at:
  • the customer credit score rating Trade connection (CCTA) at:
  • the customer funds connection (CFA) at: cfa-uk.co.uk
  • the money & rental connection (FLA) at:

If you’re not satisfied utilizing the outcome of their grievance with the Financial Ombudsman, you could see using lender to judge. However, you ought to best consider achieving this as a tremendously last option and you ought to get suggestions initially.

What is Telemedicine?

Telemedicine is a service which allows health care professionals to evaluate, diagnose and treat patients using telecommunications technology.

Why should I use GoLiveDoc?

GoLiveDoc offers 24/7 medical consultations with board-certified doctors. You can use our platform from where you live, work or when you travel in the US. We also offer 24/7 behavioral health counseling for no additional fee. Health records are kept private and secure in order to protect your personal information.

How does GoLiveDoc Help?

GoLiveDoc gives you 24/7 access to board-certified doctors through secure online video or phone consultations – anytime, anywhere. GoLiveDoc is a low-cost, convenient alternativ e to Urgent Care visits or waiting several days to get an appointment with your Primary Care Physician for non- emergency medical conditions. Our doctors can diagnose your symptoms, recommend treatment […]

What happens after I complete the checkout process?

Once you have selected your plan and completed the checkout process, you will receive an email with your login credentials for the customer portal. You can use the customer portal to schedule appointments, update your electronic health records, see your consultation history or add dependents to your account.

How much does GoLiveDoc Cost?

The monthly membership fee ranges from $9.95 to $39.95 (depending on the plan you choose). The consultation fee is only $35. You can cancel your membership at any time for any reason.

If I have insurance, do I still need to pay the membership fee?

GoLiveDoc charges all members a small monthly fee.

How do I cancel my membership?

You can cancel your membership at any time for any reason. To cancel your membership, please call (888) 386-1037 or send an email to [email protected]

Does a patient have to meet with a provider in-person before a telemedicine consultation can be scheduled?

No, an in-person visit is not required before a visit can be conducted via telephone or video.

What does GoLiveDoc Treat?

We treat a variety of medical conditions. Common conditions we prescribe medication for are Cold & Flu, Pink Eye, Skin Irritation/Rash, Urinary Tract Infection, Diarrhea, Stomach Virus, Fever, Headaches and Sore Throat.

Are there Medical Conditions GoLiveDoc Cannot Treat?

There are some medical conditions that our doctors are unable to treat, including but not limited to: Broken Bones, Chronic Diseases, Erectile Dysfunction, Genital Herpes, Hair Loss, Hot Flashes, Premature Ejacuation, Smoking Cessation, STD Testing.

Can I be turned down for a pre-existing condition?

No, members are not turned away because of pre-existing conditions. GoLiveDoc is not an insurance.

Can GoLiveDoc Treat Emergencies?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Is GoLiveDoc For Emergency Situations?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Can I use it for my family?

The primary member and 7 immediate family members or household members will have access to consults. 

Do I talk to “real doctors”?

Yes. Members only talk to actual doctors who are state-licensed family practitioners, primary care physicians, internists and pediatricians. When members request a consult, they will be connected with a doctor licensed and practicing in their state.

What Type Of Doctor Or Specialist Can I Speak With?

Members Can Talk To A Doctor Directly. Our Doctors Are Licensed In Internal Medicine, Family Medicine And Pediatrics. A Doctor May Also Provide Guidance On The Type Of Specialist A Member Should See.

Can GoLiveDoc prescribe medications?

Yes, GoLiveDoc can prescribe medication for non-controlled substances. A list of controlled substances can be found here.

Are there Medications GoLiveDoc Cannot Prescribe?

We do not prescribe controlled substances and medications that would require in-person examinations, e.g. Antidepressants, birth control, medical marijuana, stimulants such as Adderall and Ritalin, narcotics or sedatives. Our Counselors cannot prescribe medications for mental health purposes.

Does GoLiveDoc Offer Access To Mental Health Professionals?

All Membership Plans Include 24/7 Behavioral And Mental Health Counseling. All Of Our Counselors Have A Master’s Degree And At Least 12 Years Of Experience.

Is there an extra fee to access mental health professionals?

There is no additional fee to speak with mental health professionals.

How does GoLiveDoc handle bloodwork, imaging, labs and other tests?

You can upload all bloodwork, imaging, labs and other tests to our secured portal for our doctors to view to help with diagnosing and treating your medical conditions.

Is My Electronic Health Record Kept Private?

Health Records Are Kept Private And Secure In Order To Protect Members’ Personal Information. Only Members Can Determine Who Can See The Information In Their Records.