Found the site while trawling thru the web looking for items relative to my wifes (so our) problem ...... and from what I've seen it's brilliant.
Looking thru the attachments I'm hoping I'll find some helpful stuff.
Anyway - problem is - my wife is being chased by Albion Collections Ltd. after my wife ceased paying on an account/loan (unsecured) arranged with the Halifax.
My wife - long story, try to keep it brief - was tricked into taking out a loan, supposedly short term, by an ex boyfriend of our daughter.
Turned out he was a con man - got the money and disappeared shortly afterwards when his true background came to light. Even though Halifax knew loan was on his behalf they hold my wife responsible - and - Halifax never even took the time to explain to my wife what could happen in the event of ...... - think you can guess the rest.
Loan arranger denies not explaining dangers/pitfalls.
Stated that due to my wife being of a certain age - late 40's when loan taken - and having had other loans in the past she should have been aware of consequences.
After 4 years wife has decided enough is enough - meeting the payments is damaging her health (stress/worries/working for no gain/etc) and have medical data to support this, plus she is working just to cover loan - so had the threats from Halifax - which we've replied to, now passed onto Albion who tell us that we will be having constant calls for settlement - or else !.
We intend sitting it out - wife wants her day in court - anyone out there who can tell us what to expect/could happen, etc., would be well received.
Will update all as we go along ---- thanks for listening.