Hello, thanks for your responses. I felt the need to go on here and ask opinions because my wife had to phone the company the next day, and say what she wanted to do-I was just so mad about it that I wanted some suggestions, luckily it isn't like a mobile phone contract where you cant cancel without paying off the full amount. Each time we have phoned them, it's just feeling like we are a cash machine for them, it has cost money every-time she has called them. So we are voting with our feet, going to have to cough up £142 to cancel the policy and go with the other people. So thanks for the advice.

127 views, and not one opinion, come on people-I thought this was Consumer Action Group!. A place where people come together to discuss matters relating to things that are worrying them, don't be shy, just take a few minutes to say what you think, or what you would do.

Hi, everyone, we just moved home a week ago, my wife phoned swinton to notify of change of address. We changed our car in january from a 2007 ford focus to a chrysler grand voyager, the premium went from £27 a month to £64 a month. Today they have charged her admin fee i think of £30 to press a couple of keys on the keyboard. Also they have stated they are upping our joint policy to £99 a month, well with that kind of monthly payment & the finance each month-we wont be able to afford any diesel to run it. well rant over. Anyhow they close at 5pm and i want to know would the wife be within her rights, to call them and say, she doesn't agree with the new premium- and we'd like to cancel and go elsewhere-after all another company has quoted a much more reasonable £44 a month, for current vehicle, advice please, and thanks for any help.

24th march 2011, yep still paying them! going to start looking at getting legal advice now on this, the wife's been paying them 5 years! i noticed also that i wrote some parts of the above as i was the victim-not my wife, sorry about the confusion, she just couldn't deal with them herself, so i came on here and wrote sometimes as if i was her, and telling her story.

"I would also include a cover letter stating that they should pay particular attention to each and every specific point and deal with each in turn fully, as should you find out ate at a later that all the information has not been supplied under this request, it will be considered witholding of documents as has been seen of late with RBS." will that not just drag this problem out for far longer than i really want? i have read the S.A.R yesterday, but wont asking the D.C.A to get a move on be faster? I havent heard from them for over 30 days (or there abouts) i am entitled to an update from them. i wrote them a letter yesterday, asking them for an update. that was put in the postbox yesterday, so will see what they say, and if not happy will then just send the S.A.R this really is a nuisance, it's bad enough when you are in debt-it's even worse when you are chased for money you don't believe you owe! will keep you posted when i hear from Westcot. many thanks for the advice so far.

Well, thanks for the speedy replies to this post. 40 days have certainly passed, so may contact the information commissioner, if i dont get this resolved quickly. Subject Access Request? no did not-due to the RBS staff member stating the statements will be arriving in the mail (been assured this 3 times on the phone!) but will look up S.A.R, get back to you about that. As for the charges being bon-a-fide, can't see how, there were never any debits nor standing orders, maoney was paid in, then drawn out, never went over drawn she said (wife) can only feel a computer error sent her in to the red, on the dormant account-then as usual the bank just kept pressing the charges button on their system, pay me pay me pay me! going to have a close look at these template letters now-theres probably 1 to fit the bill. The DCA'S name is; Westcot Credit Services" I have to inform everyone, the outstanding balance is £409.72p that is what is written on the Westcot letter- (so it's more than i remember) however-they acknowledge we are disputing the debt and told us by letter "we will suspend all collections activity on the account whilst the matter is under investigation, this means we will not write to you, or telephone you in pursuit of the account whilst it is being investigated. I cant fault Westcot at the moment-they have been true to their word since the letter dated 13/03/09 was received from them. jusr checked S.A.R, yes that could help me to force them to send out the statements, but have feeling they will just ignore or tell me that Westcot are dealing with it!

hi, my wife got a letter from a DCA a while ago, simply stating they have been looking for her for 2 years, because RBS (Royal Bank Scotland) have not managed to find her. we have moved around a bit in rented properties, trying to get cheaper accomodation. anyway she left RBS a long time ago with £0.00 balance, however she didn't close the account formally, then we forgot all about it-then 2 years later we she got letter stating she owes over £200 in charges/fees. she phoned the DCA & RBS and DCa have been very good, no problems-contact and RBS said they expect all will be revealed when statements sent to us, that was months ago, when she phones RBS they just keep saying statements on their way, how much longer do we have to put up with this! is there a template letter which we can send out? something wherby they have 28 days to resolve this or wipe the "alleged debt"? i expect it was a computer error which caused the charges! and they have mounted up. we will soon be applying for a mortgage & dont want a debt she does not owe, ruining our chance. HELP! RBS are not in a hurry to resolve this-but we are.

Cheers car2403, well that sounds interesting and even though i have now read your post twice, it still sounds like i need to be a solicitor to understand it! (haha) yeh i know but everyone puts LOL! seriously though, i think am just about getting the gist of it., yes that may well be a very useful piece of info to have, but what would be the best way to use it, without going to court should i just explain to the FSA about HLC & the credit agreement or approach Apex first? because as far as i know too much time has elapsed since the agreement was taken out? correct me if i am wrong. sounds like the Health Visitor lettter will only get us 15 points, so i have been informed, i think you need many hundreds of points for a housing association house-we was on one of those lists before for a long time, about 2 years and were never offered anything, so dead loss by the sound of that. However the Council have accepted a small token payments for now £1 per month. My boss reconsidered the no pay rise this year and gave me £40 a month more effective immediatly. i have completly rewritten the I&E sheet in our favour and we can now with the payrise still pay creditors. I have increased gas,electric & food, and we seem to break even. so am happy that we can live & survive another winter! havent visited here for a few days whilst i tried to juggle all this finance around, but now i am back, i have confused myself. gonna have to go right through these pages again now to find out where i am with this lot, the main thing is that our situation has improved, because of my payrise this month, and that i can stave the wolves off for longer! back soon.

Yes of course, it's a beauty only 7 days to cancel !, they just bought time and asked her to try the course a bit longer when she said she couldn't do it-gave them enough time to then say-we dont care now, nothing you can do. The cag forum search box for HLC yields results, there are so many people who have been shafted by HLC, Only the FSA can do anything about them, if enough people complained. Petcat, thank you for taking time out of your day to offer advice to me, i appreciate it. i will take on board the points you made. i know i could get the HSE involved, i have addressed problems to the landlord but they made it verbally clear they were not interested in doing maintenence on the house-she said basically so long as the rent is paid on time every time that's all she is bothered about. if i rock the boat by getting HSE (Health Safety Executive) then the landlord will just find excuses to terminate our contract and put us on the street-think i'd rather try the other route, with the letters/housing association then be offered a place with them, at least i could then get a very good reference from the landlord & just tell her the lease is expiring & we have been offered a new place, and the rent is almost half of what it is here-i can't turn down that offer. don't worry i am not protecting the landlord, i am simply keeping the peace. Last night i went through the links again, and customised some template letters for token payment offers, explained briefly that circumstances had changed, and added CCA requests for the creditors & DCA's. they are now printed & just waiting for the end of the month until i can add the postal orders etc. done and dusted, it's just a waiting game now. by the wayy the income & expenditure sheet i was given on that link it much more comprehensive than the tiny very basic one that DFH sent me. in short, if i just put down the current rent & the average of £125 a week shopping bill (that seems to be the average for a family of 4) then just those two things a month takes care of most of my wages! However i will be as truthful as possible with the budget sheet.

The £74.09p is the agreed amount to pay, monthly to HSBC via DFH. the original amount was well over £100 a month. The £74.09p is for what used to be our "old loan" but they consolidated (?) it in to "A managed Loan Arrangement" with 0% interest recently. The white agreement at the top of the 3 is what was sent to us when i issued a CCA request to Apex cred management, (who act as DCA for "Home Learning College" this is the firm we need dealing with as this is the one agreement we believe could be made unenforceable.

Well, as you may of guessed i do not work with computers all day in an office. so skills a bit lacking, had problem with Javascripting. Woh, just got the pictures on and they took up the whole page, ie lifesize! gonna try & reduce them. HOW DO I FIND OUT IF I TOOK OUT payment protection insurance with the credit cards or loans?

Hi, again, Sorry Lexis, yeh the meds thing was from another poster above. my mind is very busy with all that's going on at the moment, so sometime's i think i have said things that i should have put in a different way-but without realising until later. i don't mean any offence to people in low cost housing ie, Council nor Housing Associations-but i think people may get the wrong idea. I expect every town has an area where you really would not want to live, and there are 2 or 3 areas near us that if we ended up being offered a place there-well let's just say i'd rather not think about it. I did e-mail Davefirewalker, the agreement bits and bobs, don't know if he got them??? Today got a card through the door "My recovery officer MR Xfailed to get a response to their visit today and require you to contact them Urgently on the above telephone number" The "urgently" was underlined twice in biro- that was the council again, the letter to them was posted recently. I will have to go back to the beginning of the posts, and start going through the links again to refresh my memory. Interest seems to have tailed off lately, i hope everyone comes back when the credit agreements are put on here (when i get them)

Thanks to the recent posters, i will think about what you have said, Goldlady-the letter may well just be a scare tactic, but they scare the pants off you don't they. I did get a letter off in the post to them, last night-i offered a £1 a month and explained the situation. if get too much hassle, will get an m.p on side. Cadencealex, yes there are people who know the benefit system inside out, if you know what to do, you ARE going to have everything paid for you and you can just sit at home whilst people like me, pay £70 a week in tax-to subsidise these types of people, meanwhile my family suffers! mad, oh yes it does rile me! There is a man who is on benefits, he knows he is better off on the dole, so when he is sent to interviews, he goes dressed scruffy, and shows no interest, that way he never gets offered a job and he stays on benefits! tut tut. With the jobseekers allowance thing, Last Friday Jane went for an hour interview with them, she has claimed nothing in the last year, i have supported all of us, she was told this recently, "your claim is based on 2005, and as you didnt work that year, you are not entitled to receive any jobseekers allowance" that's it, she was having our second born that year, she couldn't work. YOU WONT BELIEVE THIS THOUGH, WHILST SHE WAS THERE AND WAS TOLD THIS, SHE ACTUALLY APPLIED FOR ONE OF THE VACANCIES WHICH WAS THE SAME JOB AS THE WOMAN WHO HAD JUST INTERVIEWED HER! I HOPE SHE GETS IT, THAT'S WHAT I'D CALL JUSTICE! Erm, Lexis200, dont know anything about "incapacity Benefit" for depression, my missus will be fine, if she just gets a job, with 2 incomes we'd be fine. Besides, you must be getting an idea now, that we are not wise enough to get any help with benefits and things, we mostly have been turned down. as for the meds, i just don't care! i am at the stage where i think it may be a blessing, at least it will be instant, but then i won't be around for my boys; so it's a double edged sword, if things improve will possibly get some more ordered, kids and wife first though. Never a dull moment, Today also, health visitor came to see jane, jane said the health visitor sat with a coat on for the time she was here and said the house was freezing, blah blah-now my wife told her almost everything, going on-and the health visitor has offered to put a strong letter in to the housing association which she says will get results... She says it is unacceptable for us to be living like this & we could be re-housed. i have enough going on in my life to deal with at present, so i may have the stress of moving again, possibly to a "Dive" or somewhere with noisy neighbours on the worst estate in the town??? would it be worth those things to save £200 a month on rent? I currently pay 45.5% of my monthly wage just on the rent here. dont really know what to do now. i just feel like i'm going round in circles with debts, but i suppose, with the help promised on here, hopefully it won't be as bad as i thought. Oh am cancelling the plan with DFH before the next payment due, or we will only have £69 again for this months shopping, so i will be bombarded soon!

i am not a bad man, i am not an evil man, but someone up there sure doesnt like me very much, i know my screen name is "iwannawinlotto" but i cant afford to play the damned thing, how much Cra* is a person supposed to be able to take in one lifetime, if there is Karma, i must have been Hitler in a previous life!!!

Lexis200, don't take what i said the wrong way, you did not harp on-i am so sorry if you felt like i was suggesting that! No way! i am not like that, in life or on the internet. So i apologise of course sorry! i have waited a mind numbing 34 minutes (i think it was) for my attachments to an e-mail to upload! the agrrement bits i sent to a new friend on this forum, should hopefully be on here soon... Meanwhile, you remember i said i was actually starting to feel a little bit of relief, think i said that yeasterday, well-guess what i got in the post today? B e a utiful! oh yes just when i thought i had enough Cra* to deal with... "In respect of the outstanding amount on this invoice the next recovery stage is to take action against you in the county court unless a satisfactory payment arrangement is made" if the county court action is taken North Lincolnshire Council will request court fees and costs to be awarded against you and may also seek interest charges on the outstanding amount. You must contact me within the next 7 days to make an arrangement. if you do not respond within this time the outstanding balance of £515.00 must be paid immediatly. Yours faithfully Mr M. XXXXX Exchequer manager OH MY GOD, JUST GIVE ME A BREAK WILL YOU! This is from the council who lent us the BOND money to pay the private landlord because the housing association did not have any accomodation for us!!! Now i really have had enough, WE GAVE THE BOND TO THE LANDLORD, THAT IS OUR BOND MONEY-IF I ASK FOR IT BACK WHAT THEN! i MUST CONTACT THEM, INFACT I HAD BETTER DO IT RIGHT NOW, SHOULD I JUST SEND THEM THE FIRST FEW PAGES OF THE BEGINNING OF THIS FORUM I POSTED??? JUST ABOUT AT THE END OF MY ROPE I REALLY AM!