what catches me is delivery and collection £241.00... wasnt this part of the part exchange??? so how can he claim this??? he is already suing for recovery of vehicle......... I hope you win, i hope you tell us the make of your oiginal car, then we can all ask him for a smoky, oil starved XXXX car!! then laugh!! Good luck...

You need to offer realistic repayment plans...... email them everyday til they budge. You should only pay your loan + 1mths interest. if they dont accept at start... keep the money aside...... meaning if the accept 3 mths down the line you have 3 mths orth to pay, and 3mths closer to getting rid of these vultures.

indebt.... You need to take our advice...... you need that card cancelled..... This is what you need to do.......... You need to go to your bank and advise them you left bank statments, card and even chequebook if you had one, in a public place (makke that one up urself) The people there are not what you feel are the most trustworthy, especially the person that gave you your stuff back...... lie thru ur teeth, even tell them this person has been done for fraud.... You feel your account has been compromised....... and for piece of mind you need a new account number. The bank will then give you a new account number, debit card and transfer you o/draft to the new account..... do not mention pday loans to them at all. the only reason this needs cancelled is due to the account being compromised. Do this, or you will have your account raided at will by these sharks.... That i and everyone on here will promise you... Please take our advice. I HATE Yes.

i hope barclays budge now on that basis..... keep us updated. I would also report it as theft to the plods, using that agreement as proof, though as it doesnt involve them wrinting a penalty charge, they probably wont be interested..... you could tempt they with a coffee and doughnut!

Hi looking a bit of help....... I missed a ddeb payment start of april, i forgot to call and make debit card payment.... They sent a letter out, but my better half chucked it in the drawer.. A payment came out in May, but nothing in June.... When i called them today to ask why nothing has came out i was told my policy had been cancelled. due to Aprils Payment not being made. I opened the letter and it said on the letter i had defaulted on the payment, and if i didnt make the payment by the 23rd of April then they may cancel the credit agreement and policy andgive me notice of cancellation. I never recieved notice of cancellation ( i believe 7 days notice is required ). The agent after having to ask manager several times advised me this letter was notice of intended cancellation though i stated latter does say MAY be cancelled. I then hit the question, if the credit agreement was cancelled on the 23rd April, why did you take a payment in May, because the ddeb authority they have is for the credit agreement only, therefore my understanding is if the credit agreement is cancelled, so is the ddeb authority...... Can anyone here clarify if im right??? Should they not have notified me of this payment by ddeb??? I have made a complaint on both not recieving the letter of cancellation and their taking of my money...

havent dealt with half of the companies, but you will need to persist. i would ing each company once, then email til they accept..... lendingstream i know will agree to payment plan, but dont anwser emails. pde express wont agree to anything..... is none of them accepts, put the money aside each month... vey unlikely any of them would go court route, but if 6mths down the line they did go to court, at least when u go you have 6mths of money... looks better and shows you were serious about your payment plan, when you go with 6mths money!!! they all threaten court but vey few actually go that far..

DCA's dont raid accounts like payday loan companies. The loan companies generall dont like ddeb due to the Direct Imdemnity. This is where you notice addeb you have not authorised, and the bank reverses the payment back int your account. These sharks know the banks wont do this to debit transactions the way the will for ddebs... Dont worry.

go debt are chancers... they used to buy lots of yes car credit agreements, and issed bankruptcy notices against people. who who defended generally won.... Eventually they gave u with Yes Car, and i believe some american firm chanced their arm after that!!

hi major debtor just to let youi know ALBION COLLECTIONS are the HALIFAX in disguise. They are in house..... Halifax normally pass to Wescot or IQOR.......

let us know the outcome!

is this guy trying to scare people or what... i notice under his name it has door collections... i bet he has never called on a door at all!! joke!

from 1st august 10%elec, 19%gas http://www.bbc.co.uk/news/uk-scotland-13685915 stickin the hand in a bit i think!!

Swinton/LFS..... make me laugh. Over 2yrs ago i put my old car as sorn.... i was gonna MOT before xmas. Swinton called Insurance was up, i explained i was hoping to MOT in 4weeks. Girl advised me price would be higher. So for a policy of £222, i paid £84. 2 weeks later, i discovered Immobiliser was knackered, and cost to fix over £300. i scrapped car, and called to cancel, only to be told they wanted £74 for cancellation... SO for 2 weeks in total they wanted £158,,,, ha no chance. i knew i would never get the £84 back, but told them no chance..... for about 18mths i got various letters from Swinton and LFS, and on all occassions i rang and said i was disputing, to be met with, you have disputed on the same grounds before, and the bill is due..... I never paid, and 30months i never will pay it. Il also never use them again......

laugh and laugh hard........ did you contact them in april, and offer a repayment plan?? Did they refuse???? These charges and their terms and conditions can be seen as unfair and unreasonable. they wouldnt accept a plan for me, so i saved the money up over 3mths, called them and made payment. they said i owed charges. I told them if they want the money for charges, they need to take me to court, and explain their unfair charges,,,, Needless to say that didnt happen. Call PDE and ask to speak to sally smith.... she was helpful after they sneakily tried to take £40 out of the debit card when i paid in full. (it got paid back to me within 60minutes)....

work out a repayment plan..... email companies everyday, til they accept. if it takes them 3mths to accept, kepp the money aside each month, just incase they were to be brave and try the court route...... Thats means you go to court, show them all the emails you sent... offering £x amount, which you can then advise the judge, you have ready to pay them.... Never get that far, but every so often these numptys we chance their arm.

point 1: Homeserve dont cover accidental damage, so they wouldnt have repaired that.... full stop... its obvious this engr didnt have the balls to tell you face to face. point 2: Homeserves standard plumbing and drains start at £6.55 (per website/non £50 excess), to have ball valves and tap washers covered you have to pay an extra £3odd a month. point 3: again i prove my point about companies that only use subbies.... you report the fault, but it takes them hours on end to notify a subbie to come do the work... Stay away from companies that subcontract the vast majority of your work...... Homeserve do work for themselves and do work on behalf of Tom Dick and Harry!

Thistle Insurance do not sell insurance directly to the public..... The have products for SME (small,Medium businesses). Ie no advertising but they get their business from brokers..... Hope that answers your question.

anyone able to find the link???

i only keep that account to pay for things like tickets etc, but my wages are and have been safely paid into another account

nope...well..... Cpl days after they took £40 from my account. I called and the agents werent helpful at all, i caalled them all the thieving ***** of the day, they hung up and i called back, and was put through to a sally smith, who to her credit, apoligised, and had the £40 back in my account within an hour, and also an email stating the account was clear, and closed.

they are ****.... they wouldnt accept a plan off me, i paid them in full 2 mths later, they wanted more for charges, i advised i wouldnt be paying the extra, eventually spoke to a customer manager, and i told her they can if they want take me to court, but that i would win..... be firm tell them how it is now them telling us how it is... worked for me, 1 less parasite to worry about.

Not attending is stupid.... because The judge will rule in their favour, so all those unfailr charges they lump on, you will have to pay.

I advised that due to citrcumstances we need to set up a payment plan to clear current balance, stopping charges and interest. Pretty easy, except for PDE. have had no experience of mini credit.

The only problem i had was with payday express. all the rest stopped charges and interest.

i would call each company once.... most of those companies either dont respond to emails, or will respond in a couple of weeks!! QQ asked you to call, so call, but remember if they agree to anything tell them you wont be making your first payment til you have details of the repayment plan sent to you by email. make sure your card is cancelled, and ask for sot sode/acc number/ref number so you can make standing oder payments....