Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #561
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    told ya.


    so now you look at what you stated in your reply to the repo
    its not a defence.


    so to refresh us what was said..

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  2. #562
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Explain what you mean lol

    Here's the defence statement

    Attached Files

  3. #563
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    that's brill
    now the interesting bit starts then...

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  4. #564
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    And that interesting bit is what exactly?!!


  5. #565
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    cummo engage brain...


    what did the judge say....go read it again..

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  6. #566
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    I didn't think they'd turn up, if they want to carry on with a repo claim they're going to need a re-think.

    Just wait and see what they send you (if anything)

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  7. #567
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Suspended indefinitely???


  8. #568
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    I'm unsure what I'm trying to deciper here dx.

    Alpha could still say I owe them money albeit 7888 less than they originally said?

    Alpha could find the 7888 and wipe the slate clean?

    Alpha could sell debt?

    Alpha could take me back to court??

    Alpha never contact me again and the charge remains?

    Alpha send me a cheque for the 7888?!


  9. #569
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    one tip I've learned
    if not here
    elsewhere
    write down now exactly what the actually judge said
    as in time it get twisted and added too in your mind.


    you now have the upper hand by a long shot.


    you know that, according to what you said above
    the judge said...


    SUSPENDED INDEFINITELY due to them needing to undertake a review on what I've stated in defence.


    so I've already pointed to I don't think he said defence.
    so recall it and get it right.


    they'll go nowhere near a court again until the above is resolved
    and as the whole thing is mentioned in your statement to the court
    the whole thing needs to be reviewed.


    pers i'd be sticking in some rather large tent pegs and weather the storm.
    and stick to you statement and what the judge said.
    the whole thing needs a review.
    and if its not to your satisfaction [i'e write it off removed the charge totally.


    you reject anything they do/say until that's achieved.


    let them go back to court call their bluff too.


    dx

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  10. #570
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    SUSPENDED INDEFINITELY due to them (Alpha) needing to undertake a review on account

    . Lightfoots themselves stated this too in letter to the court requesting adjournment

    Do I need to do anything at all or do I just sit back and wait any wait until they contact me and I then barter with them to get the charge gone.

    Thank you for making this more clearer to me


  11. #571
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    You sit and wait to see what happens next

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  12. #572
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    The last 18 months have been like that. I'm sure I'll cope even though I'm impatient and want it put to bed! Thanks for all you've done!! . Any idea what turn this could take from here on in?


  13. #573
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    Default Re: Welcome finance problem

    you'd be walking the streets with just a carrier bag if you'd not come here.


    let things settle
    you know what you want..


    whatever you do
    don't blindly do write say or think anything without asking.

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  14. #574
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    I won't do anything without checking here. That's not my nature you should know that by now!. Ill nag the guts out of you first! You know that much is true!!


  15. #575
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Take a break for a bit, there's nothing more we can say, or you can do, at the moment.

    Help us to keep on helping
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  16. #576
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Ok. I salute the pair of you!



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