RECKLESS LENDING AND SETTLEMENT DISCOUNT

I am extremely frustrated with the way my account has been handled. At the time this loan was granted, I was already over-indebted and experiencing financial distress. Despite this, the loan was approved without proper affordability assessment. This has since placed me under severe financial strain, and I believe this may constitute reckless lending. I have since tried to engage with the company to request assistance and a possible settlement. However, I have been informed that no settlement discount can be offered now that the account has been handed over to the legal team, even though I was previously offered a discount. I have also requested my outstanding balance in order to seek legal advice, but the process has been slow and unhelpful. I am asking the company to which is JER 31 LEGAL * Investigate this matter as a case of reckless lending * Provide my current outstanding balance urgently * Consider a fair and reasonable settlement option If this matter is not resolved, I will have no choice but to escalate it further to the relevant regulatory bodies. I hope this can be resolved as soon as possible.