No I live in a rented property and don't own anything of great value like a car.

Oh that's good to know the police wouldn't be involved, so the worst case scenario is that they will apply for a CCJ against me?

I expect a default on my credit file I just was worried that the police would come and taken action for the 'fraud'. I wouldn't put it past them to push as far as they can.

no its not against a car it was just a personal loan

Thanks dx I didn't think I had committed any fraud surely being in debt is not a criminal offence and this is them trying to make threats in order for me to pay up

Hi I'm a new user seeking some advice with loans2go personal loans. I took out a personal loan with loans2go for £800 with a monthly repayment of £156. Now my partner has previously had a loan with them which he did not pay and has received a CCJ they mentioned this when I took out the loan but gave me it non the less. A couple of days before the first payment was due I was taken ill resulting in 2 hospital admissions and I will require surgery and I have been signed off work for a number of weeks. I cancelled my card as I just cannot afford the repayments any more I am going to struggling with priority outgoings whilst off sick. I have had several voicemails left including one stating that it could be deemed that I have committed fraud. I have emailed them explaining my situation including proof that I have been signed off work and have offered a monthly payment of £30 as this is all I can afford. Any advice or suggestions on how to deal with this are much appreciated. Have I committed fraud and what action can they take?