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    • Thanks very much Bank. I have topped and tailed my LOC and printed off a copy which I shall post tomorrow by First Class post at my local post office and also obtain a proof of postage. I'll also email them a copy. I've opened a MoneyClaim account, and shall now begin work on my draft Particulars of Claim which I shall post here for your thoughts. And I shan't be using the Moderation service.
    • Yes, it struck me this morning that I'd got it wrong    - no involvement of UKPPO in any previous Tesco thread    - there would have been an entrance sign to a Tesco car park    - CCTV isn't something associated with Tesco car parks. Presumably whoever runs the car park has put CCTV at the electric, and probably BB, areas, done absolutely nothing to stop abuse, and then rubs their hands in glee every time the CCTV catches a motorist out. You can pay £60 and this will go away. Or you can defy UKPPO and rely on their non-respect of POFA, consideration period, etc., should they be daft enough to do court later down the line.  We would support you all the way.
    • thats not the way to do it sorry. sorry so what is your problem? that vanquis paid the £560 or that they are now chasing it? how old is this debt? dx  
    • If you visited Qatar you could be detained at the border, if the debt has been notified.  If you are only in transit and do not seek to cross border into Qatar you might be ok, but you may want to seek formal advice about this.
    • Howdy, I had a short lived credit card with Vanquis that I did not need. I paid it off in full and called them and closed it with the person at the other end. 2 months later they started sending me messages about late payments, I called them and to find out that the card had not been closed in error and 6 weeks after it should have been closed they paid a google debit of £560. I hit the roof and made a formal complaint that took them well over a month to respond to. They agreed they were at fault, refunded all late payments fees and offered me £100 in compensation. However they said the debit amount stood as 'I had benefit from it' and I should get a refund from google. I hit the roof again but they have stuck to their guns. The debit from google is a genuine one but I wanted to dispute it with google so closed the card so they would have to engage with me. But surely that's neither here nor there surely? What is the next step? Ombudsman takes forever doesn't it?  thanks in advance
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Loan taken out for friend


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hi

 

I am sorry if this is the wrong forum.

 

My Daughter was in a "relationship" with someone and took out a bank loan for this person for £4000.

 

The person has not paid any of the installments and now broken up the relationship. My Daughter has Mental health issues and has been hospitalised 4 times during this relationship and was very vulnerable.

 

I am worried that she is now having to pay this loan back herself ( I know she is responsible to make the payments and she has been doing so) but I would like to know if she is able to do anything to get this money back or make the person pay the installments?

 

I am concerned that she was coerced into taking the loan in some way....maybe a threat to end relationship?

 

The only proof she has of giving the money to the other person is her bank statement as she transferred it electronically.

 

I know this person has a partner who has a history of fraud and theft.

 

Is it worth contacting the police......my Daughter has already had to contact them as she was being harassed by the person and her partner and has been warned not to contact my Daughter at all. She has since sent 3 texts which I will be reporting.

 

Thanks for any advice

Edited by Andyorch
Paras
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Hi mackem

 

I have moved your thread to what I think is the most appropriate forum...please continue to post here to your thread.

 

Debt management and Debt self-help Forum.

 

Who did she take this loan with...Bank /Finance Company.?

 

Regards

 

Andy

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Hi mackem

 

I have moved your thread to what I think is the most appropriate forum...please continue to post here to your thread.

 

Debt management and Debt self-help Forum.

 

Who did she take this loan with...Bank /Finance Company.?

 

Regards

 

Andy

 

Thanks Andy

 

She took it out with her bank.

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  • 3 weeks later...
Can anyone suggest a way forward with this please. Police are aware and have suggested the civil route starting with a formal letter?

 

I would agree...its the only possible route to recovery.The Bank will not entertain the reasons you offer in in your initial post...she took the loan and signed the agreement and transferred the money to his account.

 

She could contact the Bank and inform them of her position and ask if there are options to freeze the interest or if they could assist in making the payments easier by extending the term and freezing interest...but wouldn't hold my breath.

 

Issuing a LBA is the start of the process when initiating a court claim.....but it must be followed through and there is no guarantee of success or payment even if successful.

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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