Dont bother with them go to cab they will sort it out,they sorted mine out.

Can British Gas change Direct Debit with out your permission to a higher figure.

Hope you have better luck than me i got rid of mine by getting a loan through Direct loan.but i did tell them what i thought of them this MLA should be not be allowed.it wrecks peoples lives maybe oft can do something.

Hi every body i ditched HSBC and started saving with N S I Easy access Savings but did not realise that you have to keep £100 pound in there so going to close it and go to Credit Union as we got one opened in our town.

does Gurantor get a copy of agreement so you have 7 days to change mind

dont touch flm loans it is like a death penalty read Ripoff report for comsumers.i was Guarantor for daughter in law for loan she could not pay so they take it out of your bank,i signed it in 5 mins and she told me it wont come down to me.i did not recieve a contract so could not change my mind.i am sure i should of had a contract so could read and could change my mind in 7 days.i paid it off on 246h of feb this year and not recieved reciept.i paid £2,797.33 in front of my bank manager. I know took my daughter in law trust the marriage has broken up now.

As i was a guarantor for my daughter in law should i have had a contract of term and conditions sent to me and had 7 days to change my mind.

sent email but returned as could not deliver

my daughter in law could not pay so it came down to me,i have had to get loan from my bank and pay it off.£2,797.33 that was on 26th feb and they said in front of bank manager that they would send receipt now it is 22nd of march and still not heard from them.i am worried they will use my details as heard so much about them.

surely if he has paid 36 payments as stated in contract that is all he should pay.not sure but that is the way i see it,

flm loans dont touch them,they are the worst loan sharks. i was Guarantor for daughter in law,dont have anything to do with them.she did not pay a couple of payments so took it straight out of my bank.3,000 in july paid it of today 2,797.33 i warn you dont go down that road i beg you.

They wont get a good reception here i can assure you that,they will get a rough ride here.

If i buy now do it on line as it is cheaper and not kept waiting also when bill comes in pays that on line and keeps records of payment so i dont get nasty people on phone fed up with hanging on phone for ages boosting my phone bill up. if they want us to shop with them over phone it should be free.

People dont want to shop with them as there APR is going to be 39.7% if you dont have direct debit which i will not do. from 30th of january i hope they go out of buisness.

Hi welcome to this forum,if you want a settlement figure you are out of luck as i have been there mine managed loan was £11,200 in 2005 paying £145.47decided to get rid of it.I also asked for settlement figure there answer was no ,i owed £10,093.71 i paid then they added on top £49.17 on top for interest, i was fuming and what i said could not be repeated,that was paid in 7/12/2007

ANDENA Thank you

Andena what i want to know where is all the money that we paid in Bank charges and do we have a chance getting are money back.

NDENA i agree dont touch managed loan as i had one,luck have got loan from direct line and paid off HSBC.See my thread.

hi what can i say dont touch managed loan been there a lot of heart ache,i was lucky to get mine paid of read my thread it was a 11,000 loan in 2005 and last dec paid 10,000 odd to get rid of it,as i have moved banks kept very little in there so i could see my accounts as claiming back charges.now wrote to me and said i dont meet there criteria as i dont put money in now so closed it all down now,sent email saying the reason for me closing it down is i think they have treated me awful,bye the way its nice to see you all on here again.

ANDENA GET ON TALK TALK FORUM AND KICK OFF.also see consumer direct site and complain to them that is what they are there for,you cant carry on like this.

I go on their forum now and complain as i am fed up of talking on phone you seem to get more help on their and they do not like the all and sundry to know,try it,it worked for me.

andena just to let you know rang them and got the refunded as a good gesture it was so kind of you to help me out.

Can you help me my daughter she has just been charged 35.00 for being overdrawn by 3.85 she did not find out till today so she was overdrawn for 5 days,is this what they charge i thought this is disgusting can anybody shed some light on this.

Why dont you go on there forum and complain as i did they dont like it and they might sort it out,if not go on consumer direct and complain there,as fsa would be interested in this one good luck let me know how you get on.

Just saying hello to everybody as it's all peaceful at moment,i had letter from hsbc saying everything is on hold,but today received email from oft of there press release which they are looking into irresponsable Lending and they want consumers to contact them,now i'm thinking managed loan of HSBC.