is there anyone there?

dont understand whats going on as for "payment reversal and capitalisation " i dont seem to be paying any of the loan off

hi i paid up my card about 18mnths ago but was wondering if i could still claim for the previous years thanks

hopefully these are ok,no personal info on them rick

uploaded to photobucket but dont know how to post to thread

having probs trying to upload to post help please

no probs will sort out and post later thanks rick

i dont have my agreement as i said in original post,i stupidly hid and lost it how do i post my statement? rick

cheers postggi will read and post tonite when i get back from work rick

my nearest branch was in my hometown of bury but since their problems and redundancies its now closed down and my account has been relocated to nottingham which is about 100miles away now

to my regret i took out a welcome loan about 8yrs ago and have topped it up a couple of times.I was a bad mistake i know and am now paying the price. last week i got the usual statement from them and to sy i was shocked would be an understatement.my monthly payment was £250 BUT nearly half that was interest or "Capitalisation" as they call it. in the last year i have only reduced the loan by about 60% of what i have actually paid to them. im sure there is something not right about this.Stupidly i hid the paperwork from my wife so she wouldnt get wind of this but she now knows and wants to help sort things out. anybody any advice for me as imsure that im paying more than i should Something good came out of this as i relieved loads of pressure form myself by not keeping it secret and coming clean to wife thanks rick

hi i want to check for two things 1) mis sold loan from welcome 2) credit card charges from cap 1 and vanquis problem is i finished with the credit cards about a year ago and have no details or account numbers the welcome loan was from ages ago(still paying off ) but i hid the paperwork from my wife and cant find it can i get the info for both as i want to pursue these items,any advice please rick ( have case on hold with abbey £ 2500 )

i am going to try and email the infamous INGA can anyone tell me her email address and advise as to what i should write in email cheers rick

no i havent would this work ? my thinking is that they would offer a smaller amount if i contacted them, as it would seem that i did not want to pursue all the way has anyone else tried this method? i would be grateful to hear from anyone who has rick

i've been directed to submit all my papers and documentation that i intend to rely on to all parties, 14 days b4 the actual hearing date rick

hi ive got a date for sept 11 wot do i do now??? help please:confused: rick