Ok thanks. Will do. I

Hi all, Way back in 2006 I took out car finance with welcome finance. As many people have on here, my circumstances changed financially and I couldn't afford to keep up payments. The car was repossessed in 2008 and obviously I defaulted on the loan. Apart from the odd letter here or there, I haven't had much correspondence from any debt collectors about this debt and the default dropped off my credit file a year or two back. Out of the blue, I started getting letters from Robinson way demanding payment of nearly £8500. (The original loan was only £6000... of which I paid 2 out of the 3 years of repayments back, plus they got the car back too) I ignored these letters as I knew the debt was statute barred. Then i started getting hand delivered letters from them stating a field agent had called to discuss the debt. Finally, one day I was in when this chap knocked on my door. To be fair, he was a nice fella and looked a bit annoyed with his company when I told him it was a statute barred debt. He phoned his boss and let me use his phone to speak to him about it. I politely pointed out the facts to which the person on the other side of the phone insisted that it was not statute barred because I had made a payment last year. I most certainly did not make a payment so I asked him to prove it. Yesterday I get a letter from Robinson way with a breakdown of my account. And there it is.. according to their data I made a payment of £8 five and a half years ago which means the debt (according to them) is not statute barred. Now I know I did not make a payment. But how do I prove it? The last payment I made was back in 2008. Has anyone else had this happen to them? What advice would anyone give for when they come knocking again?

Hi, Thanks for the reply. So are you saying that if the interest is frozen then that counts as a default? Is that the same as with a DMP?

Post 2007

None. All up to date

Hi I have credit card debts coming out my ears and although payments are all up to date with no missed payments, the actual balances themselves are getting higher and costing me more as I just can't make ends meet each month without them. I'm worried that eventually it will just all crack and I will end up defaulting and getting into a huge spiral of worry. I'm paying nearly £1000 a month in total in repayments (minimum payments), but because of the interest it barely touches the balances. Then of course I end up using them just to pay for things like food shopping. I'm considering a DMP although I'm not clear what that actually means or does. Can someone advise me as to whether it is the right thing for me to do? Thanks What I owe Barclaycard £9000 (9500 limit) Hsbc £2000 (2000 limit) Santander £4100 (4100 limit) Vanquis £290 (2500 limit) Tesco £550 (600 limit) Clydesdale £500 (500 limit) Marbles £2400 (3200 limit Aqua £1700 (2400 limit) Capital one £1100 (1500 limit)

Thanks for that dx. Appreciated. I phone today but was told what I expected. That to cancel the agreement it would be the ful £3157 as that was what the loan was for. Is there some sort of legislation that I can quote (you mentioned it was the law) Thanks in advance.

agreed. However, reading the paperwork it states although I only receive £3000. The actual loan was for £3157. The £157 is added as a admin fee. If I go online it states to cancel the loan then I need to repay £3157. Despite the fact I only received £3000 and have had that money for only a matter of hours.

Hi, all I applied for a loan with avant credit as the app 'clearscore' said I had been pre approved with a rate that wasn't too bad. I was in need of a loan anyway so I went for it. To cut a long story short it wasn't until after I had done the online application that I noticed the APR was at 42.2%! Ridiculous so I investigated how to cancel. On their website it only gives the option of emailing them to cancel (without any penalties as long as it's done before the acceptance email). So I sent the email. This morning I wake up to the fact that the loan is in my bank for £3000. I go to their website to cancel/return the money and low and behold you can but I have to pay an extra £150 ish. This was apparently because my loan was for £3150 despite the fact I only get £3000 (admin fee rubbish) Is their a leg to stand on? I want to cancel asap but. Not replay silly charges.

The delivery charge of £24.95 was added to the grand total in 'my basket' before checkout.

So does that mean that it cannot/should not go onto a credit reference file?

Hi, Thanks for the replies. No, I didn't pay the full delivery cost on the first statement. This was because I was unaware there was a delivery charge added. When I phoned to pay I was told I had to pay £18 ish for delivery.. which I paid. It was only on the second statement that I realised that I had been misinformed on the 1st call and despite the £18 payment, the total delivery charge was in fact £25. And because I had made the payment late then this was recorded on the credit file. I'm really annoyed with them. I don't understand how the delivery cost is part of the credit agreement. Is it worth trying the ombudsman?

Hi, Apologies if this is not in the correct place.. I opened a very account last year and ordered a product on their buy now pay 12 months later option. All seemed good and the item I ordered got delivered. I was surprised to see that the first statement I got it had a minimum payment due. (Bearing in mind it was bnpl - 12 months) I called very and was told it was the delivery charge as this was due immediately (which I was not aware of) I asked how much I had to pay and they told me.. I paid. Next months statement arrived and again it had a minimum payment due.,, I called again, but as I was away on holiday I had to wait until I got back. They told me that I had not paid the full delivery charge the first time and now I was late with the payments. I paid the delivery charge late and thought that was the end of it. However, very have now added a late payment marker to my credit file. I complained but have just received a letter back saying that they will not change it. I was after some information about it before I take it up with the ombudsman hopefully someone on here will be able to help. My question is.. Can they report a late payment on the delivery charge when this is not(or maybe it is) the item that I received on credit? If I was late on the payments to them based on the item then I would agree that a late payment marker should be filed. But this is on a delivery charge.. which if I had been given the correct information with my first phone call to them I would have paid. Any advice?

Which is an option he would like to take.. . how would he go about this? Is there any mileage with seeing if arrow global have the correct paperwork? CCA agreement etc? Or is that too late now it has gone down the CCJ route?

Hi, Thanks for the reply. He was unaware that this process was happening, however this does not mean he didn't get the paperwork as he told me he rarely opens them. So it could be that it was sent and never opened. He has lived at the same address for well over 10 years.