i was very worried in the first place, but this takes the biscuit

hi all, today received a letter from a solicitor, saying they have given every oppotunity to pay, and if i dont pay up in 3 days i will receive a court action and solicitors fees, do i give in? any correspondance i can write to these bollons? amands

everything is with my financial advisor at the moment, i am going to ring him 2morrow

The loan orginally was for 7k from dean house finance, they sold it then got another 8 k on top 15k in total letter today says to redeem in 29k took over six years, so to me it looks like 15k plus interest and payment protection all all thier charges, went to 28k, rip off i know, i have been paying for 3 years and 390 per month, no payments missed not even late

Hi I toke a loan out for home improvements with deans house finance then they sold it to london scottish, i am paying london scottish £390.00 a month, i have asked for a settlement figure, i nearly fainted when i saw the fugure. They seem to be adding interest onto interest, when i toke the loan all the interest was calculated then, and the monthly figure was settled, in my books i seem to have paid over 12k, but the repayments on the letter is £2700.00, so it looks like i am paying like it is a mortgage. Can they do this? x

Hiya Andy Thanks I will pen a letter together for them!

The letter is threatening court action, do you really think they could or couldn't go all the way?

Have just received a letter from the debt collectors asking to pay up £ 125.00 relating to the parking charge notice, if not paid today they will issue a CCJ, Do i still ignore and let them get on with it, or reply? I know you keep telling me to stand firm, but in all honesty, i dont fancy a CCJ against me, my credit isn't very good to begin with getting more and more frustrated at these jerks Amands

What do i do know? confused!

Thanks Bill I am going to send the 3rd letter back to A & L, and fill in the complaint form for FOS, see what happens, give them 14 days or so, then do MCOL I hopt to keep all posted, when i hear something.

I have followed all FAQ re my claim with A & L, I am now at a stage where i rejected their first offer. Claiming 4092.00 - offered 1539.00 Now i have received a letter back saying: We have know carried out a final review of your complaint and write to inform you of our conclusions. I have read all the correspondence surrounding your complaint and i am sorry you remain dissatisfied with the settlement offer previously provided to you. i am aware that a full investigation has been conducted into this matter and can confirm that our position remains unchanged. Know they tell me to take my complaint to the financial ombudsman. I intend to send reject letter N° 3 - AM i doing the right thing, or is there anything extra i need to include, or do i take to the ombudsman as instructed? Thanks

Yes i sent them a copy of the ticket a got from the machine, when i got a chance too, it was only 50p - do you think they will be ok with this? The price for the parking was 50p for 2 hours, i was only there 15 mins! Thanks Amands

Thanks Rob, What if they write to me saying they are taking legal action? Amands

Just received another fianl demand letter seems, they have ignored my last reponse, have you got a template to send them, which the last post refers to? Many Thanks Amands

Received letter back from A & L Offering £ 1538.00 in final settlment, undecided what to do, is the next step court, where do i find that in FAQ? Sorry not very good at things confusing TX