Im aware of thisI dont think you understand what i meant and i feel you have spoken down to me somewhat so please dont:) I meant its now what they do they record all payments NOT JUST AFTER YOU HAVE DEFAULTED as was the case before.

Its now standard practice, they have to report to at least two of the credit reference agencies. Im sure someone has already said it mind you. All that recieved regarding this was a little leaflet telling me what credit reference agencies do. I was never approached to sign anything giving my permission(i wouldnt do that anyways) and ive recieved no revised t&c's going to get on their backs once im done with natwest and rossendales.

Thank you for your reply, Thankfully my dad seems to be ok now, but im sure if rossendales have their way, it wont stay like this for long

No i havent got a copy of the walking posession order

Has anyone any further advice that can be offered. My uncle seems to have called of the hounds as he stumped up the cash( without my knowledge:() to pay the van off(£387) So the debts back at rossendales, and not their so called " field team" Im so damn frustrated with this whole thing, i dont know which way is up right now, and the council refusing to do anything is just... well damn well unforgivable. Tom could you proivde me with details of the above application of is it somewhat too late to do anything now It is my belief that that 387 is unlawful and should be paid as payment towards our actual council tax and not to line their pockets. The fact my uncle did this,whilse i appriciate his concern and generocity infuriates me now as we now owe him 387 pounds and NONE of the actual real debt is paid off.

I will get onto that right away, luckily we were out on friday when they called as my father had to go into hospital i will go and sort that first thing tomorrow. and im sorry its taken me so long to reply, i havent been able to getonline for a while

Ok quick update They are coming this friday, and we have no way of getting the money they want together so, we are buggered again

Yes,i know now.

The over punctuation and calling someone daft is rude, and im perfectly willing to accept/take on board advice from people who convery it in a way i consider to be polite.

And i didnt suggest they would !!!!! please dont be rude:(

Have done, as i said, im awaiting an apointment:)

In reply to the post before my last. i will certainly keep you updated, and i would like to thank you all SO MUCH for your help, i have shown my father all of what has ben posted here, and whilst we know this still isnt over we now at least have breathing space

I certainly have never signed anything i am ten thousand per cent sure. What happens if it was signed, albeit unknowingly? Im sure nothing has been signed, but obviously as i have chores to do for my father including keep ing appointments of my own etc i am not here 24/7 so they could have been when im not here(though i doubt very much i wouldnt know about it) and put him under duress or even fooled him into it. I have found no copies amoungst any of our paperwirk of any such order and no copies of these alledged letters (i file them meticulously). If they have MADE and bullied him into signing using his condition against him surely thats illegal? As my father has also had dealings with them before a few years ago, it is possible he signed something then, and they have used his signature,to be honest i wouldnt put anything past these people Could you advise me further as to where i would stand, in reagrds to any of these things should they be true?

I have an update but i dont know what to make of it, or if it will even happen, its a very dim light at the end of a very long and dark tunnel I have contacted my councellor again, and they have pestered the council into granting a week long extension, that said, someone from said council will call the baliffs tomorrow and state that a week is granted rossendale will then supposedly contact their van department, and call it off. I DONT BELIEVE A WORD OF IT Even so thats just giving me 7 days of no sleep and to come up with the FULL AMOUNT including charges that the council have backed rossendale up and said are legal. If we cant get the money in seven days(Which granted my father and i's postion isnt possible) Goods will be seized and we have no say in the matter, and i will not be helped further. Newcastle borough council bunch of C^*$*

We have done EVERYTHING you have suggested i have phone 3 coucellors and the council has said the same thing to them they wont take it back its out of their hands etc etc. We have told them we'd report, they say its unfounded as they have tried to help but their "hands are tied" I just feel like shooting myself in the head right now, NO ONE will help me outside of CAG

We are on the telephone to the council currently, they seem to be taking their time to give us a straightcanswer, im wondering could we have the letter written and hsnd it to them tomorrow, when they are due to come, as they are now threatening to bring the police as they know we have no intentions of letting them in i think. EDIT: They have refused again. I just feel ive left it too late to act, but as we have heard nothing of this before, and only had this "final notice" today

We have been onto the council, they wont help us, say theres nothing they can do as rossendales alledge they have a WPO.

*can a mod change title to "begging" sorry my heads a mess atm cant think straight" My good friends of CAG Im here again cap in hand begging for your help im confused and terrified for my familys wellbeing i have tried everything i can think of and am at my wits end. So to begin the story... This morning about 10.15 an unmistakable white van pulls up outside, two baliffs, ask for my father(whom im living with due to his ill health through chronic asthma) and over a letter, stating that we have 24 hrs to pay upwards of £1000 pounds( for last years council tax apparently), or they will return tomorrow to collect goods. Now here is where the fun begins... They CLAIM my father has signed a walking possession order in march of this year, now i was living with him then also and have no recollection of this, nor does he. They claim he said hed pay £80 pounds per fortnight ( as this is more than half his benefits he would be stupid to agree to this and im sure he didnt) What we do know is, he did have a telephone conversation with them in april and they wanted us to return an income/expendature form,which he did which they now claim they havent recieved.( i drove my father to the PO, so i KNOW it was sent) They claim they never recieved offer for payment either, and it is OUR responsibility to chase them if they dont follow up with us, they claim to have called SEVERAL TIMES( we have spoken to them once and dont ignore the phone, we dont believe in burying our heads in the sand, we just answer and refuse to pass security) and sent SEVERAL letters, non of which we have recieved. We have called the council this morning (the original creditor) and asked if they can take on the debt and we pay it by D/D they dont want to know, we have called rossendales, to ask for installments( im back in employment as of october ) or at the very least gain an extension but we can get nothing, we then called the person who came with the van and they want , 383 by tomorrow for THEIR charges, again another amount that we can not under ANY circumstances pay, i am already well into my overdraft and cant gain an extension, i have also recently become unemployed ( company went bust ) and am awaiting my final pay inc holidays etc i have NO source of income as i am awaiting an apointment to assess benefits im owed and the like. Our total household income is just over 400 a month at the moment, 225 of that is rent, the rest is 40 for gas/electricity then 60 for all other bills combined, no as im sure you can tell that leave us with more or less 75 a month to feed ourselves. We have NO disposable income. No way of paying this bill We are completely screwed from what i can tell. Any advice folks? We dont even have enough things in the house to cover the outstanding debt(well nothing they can legally take) Any advice even if its only a way to gain an extension will be greatfully recieved. PLEASE HELP, i dont think my father will survive another baliff call

bump could anyone else read this and say if they think its enforceable or not, im still trying to black out the peronal details on the pdf file

Well i have pressed them and suddently two pdfs have turned up in a new email attachment can i post them here?

Nope nothing sent to be signed or anything of that sort

They sent me nothing that is ALL i have they have no hard copy They sent me that block of text in an email it wasnt part of a document it was typed like that,just like a regular email, it isnt a hard document. No screenshot,nothing no file or document attached with hard copy, no written signature.

Hi, Quick update, heard nothing for a few months, kept tlling them i would pay off or take loan felt extremely pressured by them to do so, they were stressing me out no end. Anyway i've not recieved anything in the post yet, but on the telephone, they said i had 28 days to clear the debt or it would be passed on blah blah now i thought they couldnt do that cause of my previous letters in this thread. What should i do now:( my personal circumstances have changed majorly and i think i may have a case for financial hardship. They did set a reducing overdraft up for me, at 1750 but their charges this month have put m 84 over that so by next month ill probibly be about 2000 overdrawn this has gone too far now I WANT MY MONEY BACK.

Below is what has been sent to me via email which is apparently my "crdit agreement" Some things to note This is an online agreement no written signature has ever been sent to them i have recieved no correspondance via mail. they dont have correct address, it states street name but contains no number they dont have a hard copy as it was an online agreement an apparently what im about to post is "enforceable agreement" If it isnt could you point me in the direction as to what to do next? what letter to send etc Thanks BEWARE ITS LONG Anything in pink denotes changes being made by myself to conceal personal details Signed Contract Loan Contract 64134 FIXED-SUM LOAN AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 1. PARTIES TO AGREEMENT CashEuroNet UK, LLC A company incorporated in Delaware in the United States of America Communications House 26 York Street London, W1U 6PZ *******Beech ******avenue S-O-T, S*7 *P* (CONTACT NUMBERS) 2. KEY FINANCIAL INFORMATION (a) Loan Amount Cash loan of GBP 150,00 (b) Term 61 days commencing on 28 Mar, 2008 © Total of Payments GBP 225,00 (d) Repayments You must make 2 repayments as follows: GBP 37,50 due on 30 Apr, 2008 and GBP 187,50 due on 28 May, 2008. This is on the assumption that you do not request an extension before the end of the loan term. Please refer to the provisions under "Repayment at Payment Date 1" and "Extensions" below for further details. (e) Annual Percentage Rate (APR) 1310.50% 3. OTHER FINANCIAL INFORMATION Total charges for credit (i) The total charge for credit is GBP 75,00. The total charge is made up of the following Finance Charges: (a) GBP 37,50 due on 30 Apr, 2008 (b) GBP 37,50 due on 28 May, 2008 (ii) Interest Rate: 50% (iii) The amount of the Finance Charge is fixed by us at the beginning of the Loan Agreement. The rate of interest in (ii) is determined by dividing the Finance Charge by the Loan Amount and dividing the result by 100. The finance charge is applied on each Payment Date. _4. KEY INFORMATION_ (a) Charges on Default The Lender has the right to amend the amounts of the default charges detailed below to reflect any change in the cost incurred by the Lender in dealing with the default. The Customer may be charged: (i) GBP 12.00 each time a Direct Debit is dishonoured on a Payment Date ("*Dishonour Fee*"); (ii) GBP 20.00 if you cancel your Direct Debit Authority before a Payment Date and fail to pay the Total of Payments because you do not make alternative repayment arrangements with us ("*Late Fee*"); (iii) for the Lender's reasonable expenses in enforcing this Loan Agreement. These expenses will include (but are not limited to) (i) expense of taking steps, including court action, to obtain payment, including reasonable legal costs that the Lender incurs (ii) tracing the Customer if the Customer changes address without notice and (iii) communicating with the Customer if the Customer breaks the terms of this Loan Agreement; Right to settle early The Customer has the right to repay the Loan before the end of the Term by making a single payment calculated under a formula which limits the amount of the Finance Charge the Customer pays. The amount that the Customer would have to pay if, for example, the Customer wanted to settle when a quarter of the Term had passed would be GBP 17,33; if half of the Term had passed the amount would be GBP 34,66; and if three quarters of the Term had passed the amount would be GBP 54,58. In calculating the amounts shown, no account has been taken of any variation which might occur under the Loan Agreement, and that the amounts are accordingly only illustrative. 5. MISSING PAYMENTS Missing payments could have severe consequences and make obtaining credit more difficult. 6. IMPORTANT - READ THIS CAREFULLY TO FIND OUT ABOUT YOUR RIGHTS The Consumer Credit Act 1974 lays down certain requirements for your protection which should have been complied with when this agreement was made. If they were not, the creditor cannot enforce this agreement without getting a court order. The Act also gives you a number of rights. You can settle this agreement at any time by giving notice in writing and paying off the amount you owe under the agreement which may be reduced by rebate. Examples indicating the amount you might have to pay appear in the agreement. If you would like to know more about your rights under the Act, contact either your local Trading Standards Department or your nearest Citizens Advice Bureau. 7. Signature Box This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by its terms. By completing your details and clicking the "I AGREE" button below you acknowledge that you have read and agree to be bound by the Payday Loan Terms and Conditions set out below. Signature(s) of Debtor(s): EDIT I AGREE: ? 02:01 AM on March 28, 2008 *(*** VERIFIED ****)* * {SHA} 13e69827fc62df8fd78fc91223fd20e8a5ef89f5* Please note that when you click the "I Agree" button above, we authenticate the above electronic signature. 8. SIGNED FOR AND ON BEHALF OF THE LENDER CashEuroNet UK Signature block: Signed at: 02:01 AM on March 28, 2008 Signed by: Al Goldstein, President, CashEuroNet 9. PRIVACY ? By ticking the box you acknowledge that you have read CashEuroNet UK's and consent to the use of the personal data you have provided to CashEuroNet UK in accordance with the Privacy Policy . 10. END LOAN ACTION This Fixed Sum Loan Agreement is due on 28 May, 2008. 11. This Loan Agreement and all related customer account data are accessible at your customer portal at quickquid.co.uk. CashEuroNetUK, LLC will store the Loan Agreement electronically as described in the Privacy Policy. If you need hard copies of any documents, please contact CashEuroNetUK, LLC at EDIT and they will be posted to you. After electronically signing this Loan Agreement, you will be directed to a summary page that has a printable version of the contract available. Please print a hard copy of this Loan Agreement for your records and/or save the document to your computer. PAYDAY LOAN TERMS AND CONDITIONS *INTERPRETATION:* In these Payday Loan Terms and Conditions, the words "you" and "your" mean the borrower who has signed the Fixed-Sum Loan Agreement (hereinafter the "*Loan Details*"). A reference to "Loan Agreement" is to be taken as meaning the Loan Details and the Payday Loan Terms and Conditions together. The words "we", "us" and "our" mean CashEuroNet UK, LLC, a credit provider licensed under the Consumer Credit Act 1974. "Business Day" means any day on which banks are open for business in England and Wales, excluding Saturday and Sunday. *CONCLUSION:* In order to complete your transaction with us, you must electronically sign this Loan Agreement by clicking the "I Agree" button in the Signature Box, as well as all other "I Agree" buttons that appear within the Loan Details. By clicking the "I Agree" button in the Signature Box, you agree to be bound by this Loan Agreement. We will then approve or deny the Loan Agreement. If the Loan Agreement is approved, it will be signed by us and concluded as of the Disbursement Date specified in the Loan Details and the Term will also commence at this time. In the case of a delay in the Disbursement Date as described below under "PAYMENT OF THE LOAN AMOUNT TO YOU", this Loan Agreement is concluded as of the adjusted Disbursement Date. *PAYMENT OF THE LOAN AMOUNT TO YOU:* The Total of Payments in section 2© of the Loan Details and the Finance Charge in section 3(a) of the Loan Details have been calculated on the assumption that the Loan Amount will be credited to Your Bank Account on the Disbursement Date. We will use commercially reasonable efforts to effect a CHAPS credit entry by depositing the Loan Amount into the bank account listed below in the Direct Debit Authorisation section ("*Your Bank Account*") on the Disbursement Date. Unavoidable delays as a result of bank holidays, the processing schedule of your individual bank, the untimely receipt of pay slips, if such pay slips are required, inadvertent processing errors, "acts of God", and/or "acts of terror" may extend the time for the deposit. In the event that the payment of the Loan Amount is delayed, we will automatically adjust the Disbursement Date to reflect the date when proceeds entered Your Bank Account. If there is a delay in payment of the Loan Amount, we will e-mail you a confidential written notice to the e-mail address provided in your application advising you of the delay and of the adjusted Annual Percentage Rate, as well as any other changes to the information disclosed in the Loan Details. After the notice is sent to you, you will have the option of cancelling this Loan Agreement, without incurring any Finance Charges or other costs, in accordance with the "CANCELLATION WITHOUT CHARGE" provision below. Failure to give such notice as and when set out in the "CANCELLATION WITHOUT CHARGE" provision will be deemed to constitute acceptance by you of the delayed Disbursement Date and the revised terms of the Loan Agreement will take effect 7 days after you receive the notice. *CANCELLATION WITHOUT CHARGE*: You may cancel this Loan Agreement, without incurring any costs or Finance Charges, no later than 5:00 pm Greenwich Mean Time on the next Business Day immediately following the Disbursement Date ("Rescission Deadline"). If you wish to exercise this right, you must inform us in writing, before the Rescission Deadline, either by e-mail to Edit > or by fax to */0808-101-1380/*, that you want to cancel this Loan Agreement. In the event that we receive your notice under this provision before the Rescission Deadline but before the Loan Amount has been credited to Your Bank Account, we will not debit Your Bank Account and both our and your obligations under this Loan Agreement will be terminated. In the event that we receive your notice before the Rescission Deadline but after the Loan Amount has been credited to Your Bank Account, we will effect a debit to Your Bank Account for the Loan Amount. If we receive payment of the Loan Amount when we debit Your Bank Account, our and your obligations under this Loan Agreement will be terminated. If we do not receive payment of the Loan Amount when we debit Your Bank Account, then this Loan Agreement will remain in full force and effect. *RIGHT TO CANCEL WITHIN 14 DAYS*: Your rights to cancel this Loan Agreement under this provision arises under the Financial Services (Distance Marketing) Regulations 2002. Your rights under this provision are in addition to your rights under "CANCELLATION WITHOUT CHARGE". You may also cancel this Loan Agreement during the "Cancellation Period". The Cancellation Period ends on the expiry of FOURTEEN DAYS beginning on the day after the day that the Loan Agreement is concluded. Unless we receive your notice before the Rescission Deadline, if you cancel this Loan Agreement under this clause you will be liable to pay Finance Charges as calculated below. To cancel this Loan Agreement, you must inform us in writing by sending us a notice of cancellation before the end of the Cancellation Period stating that you want to cancel this Loan Agreement ("Notice of Cancellation"). The Notice of Cancellation should either be (a) left at our address, addressed to us at Communications House, 26 York Street, London W1U 6PZ ; (b) sent to us by post to Communications House, 26 York Street, London W1U 6PZ; © sent to us by e-mail to Edit or (d) sent to us by fax to */0808-101-1380 /*. In the event that we receive your Notice of Cancellation during the Cancellation Period but before the Loan Amount has been credited to Your Bank Account, we will not debit Your Bank Account and both our and your obligations under this Loan Agreement will be terminated. In the event that we receive your Notice of Cancellation during the Cancellation Period but after the Loan Amount has been credited to Your Bank Account, we will effect a debit to Your Bank Account for the Loan Amount together with the Finance Charge calculated by applying the Annual Percentage Rate to the Loan Amount for the period from the Disbursement Date to the date the Loan Amount is debited by us. If we receive payment of the Loan Amount when we debit Your Bank Account, our and your obligations under this Loan Agreement will be terminated. If we do not receive payment of the Loan Amount when we debit Your Bank Account, then this Loan Agreement will remain in full force and effect. *YOUR OBLIGATIONS:* You promise to pay us the Total of Payments set forth above under section 2© of the Loan Details by making the repayments specified in section 2(d) of the Loan Details. The Finance Charges payable by you under this Loan Agreement are calculated and applied as set out in section 3(a)(ii-iii) of the Loan Details. Unless your loan is extended, no interest or Finance Charge is applied to your debt after the Payment Date. Unless otherwise provided in this Loan Agreement, all payments will be applied first to the Finance Charge and then to the Loan Amount. Pursuant to the Direct Debit Authority given by you below under "DIRECT DEBIT AUTHORISATION", you have authorised us to debit the payments due under the Loan Agreement from Your Bank Account, including the repayments due on each Payment Date or thereafter and for any fees that become payable by you under this Loan Agreement. *CONSENT TO ELECTRONIC COMMUNICATIONS:* By signing this Loan Agreement, you agree that, subject to any applicable law or regulation, any disclosure, notice, record or other type of information that is provided to you in connection with this Loan Agreement ("Communications") may be sent to you electronically by sending it to you by e-mail to the address you have provided to us in your loan application. We may also post information in connection with this Loan Agreement at our website, Edit, but we will notify you by e-mail when we have posted such information. We will not be obliged to provide any Communication to you in paper form unless required by an applicable law or regulation, or if you specifically request us to do so. You must ensure that you notify us of any changes to your e-mail address by writing to us or sending us an e-mail, using secure messaging, at least five (5) days before the change. *DIRECT DEBIT AUTHORISATION: *You hereby voluntarily authorise us to debit your nominated bank or building society account ("*Your Bank Account*") for any amount that is payable by you under this Loan Agreement, including the Loan Amount, Finance Charges and any other fees that you incur ("*Direct Debit Authority*"). We will debit repayments on each Payment Date to Your Bank Account in accordance with the Direct Debit Authority given by you above. If a payment is dishonoured for any reason, you agree to pay us the Dishonour Fee, which we may collect by Direct Debit to Your Bank Account. You authorise us to verify all of the information that you have provided, including past and/or current information. If there is any missing or erroneous information in or with your loan application regarding Your Bank Account, then you authorise us to verify and correct such information. If we are unable to correct the information, you acknowledge that this may delay the payment of the Loan Amount to you. You agree to assist us to correct information by providing us with such information as we may reasonably require. We will give you a notice if you or we make any changes to the Direct Debit arrangements under this Loan Agreement ("*Advance Notice*"). You and we agree that the period of Advance Notice that we will provide to you is 3 Business Days. The Direct Debit Authority given by you for the purposes of this Loan Agreement is to remain in full force and effect until your obligations to us under this Loan Agreement are fully satisfied. *LATE FEE*: If, prior to your Payment Date, you cancel your Direct Debit Authority under the terms of the Direct Debit Guarantee below, you agree that, immediately upon cancelling your Direct Debit Authority, you will contact our Customer Service Centre at 080-8234-4558 to make alternative arrangements to repay your loan by the Payment Date. If you fail to make alternative repayment arrangements with us, and you fail to pay the Total of Payments by the Payment Date, you will be charged an additional late fee of GBP 20.00. Direct Debit *The Direct Debit Guarantee* * *This Guarantee is offered by all Banks and Building Societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored and protected by your own Bank or Building Society.* * *If the amounts to be paid or the payment dates change CashEuroNet UK will notify you 3 working days in advance of your account being debited or as otherwise agreed.* * *If an error is made by CashEuroNet UK or your Bank or Building Society, you are guaranteed a full and immediate refund from your branch of the amount paid.* * *You can cancel a Direct Debit at any time by writing to your Bank or Building Society. Please also send a copy of the letter to us.* *REPAYMENT AT PAYMENT DATE 1*: In addition to your rights at 4(b) of the Loan Details, you may repay the Loan Amount on Payment Date 1. You may do this by selecting 30 Apr, 2008 as your "Loan Due Date", by calling our Customer Service Centre at 0808-234-4558 before 25 Apr, 2008. If you make this selection, then on 30 Apr, 2008 we will debit the total of (i) the Loan Amount and (ii) the finance charge that is due on this date as listed in the Fixed Sum Loan Agreement. If you do not select 30 Apr, 2008 as your "End Loan Action" before 25 Apr, 2008, this Loan Agreement will continue for the full Term and, subject to the "EXTENSIONS" provision below, we will debit the second repayment to Your Bank Account on 28 May, 2008. *EXTENSIONS:* You may, at any time up to 22 May, 2008, request an extension of your loan for a further Term. You may do this by calling our Customer Service Centre at 0808-234-4558. If we agree to your request, we will send you an e-mail with a new loan agreement ("*New Agreement*") 1 day before 28 May, 2008. You must sign the New Agreement by following the instructions in the e-mail. If you do not, we cannot extend your loan and we will debit the second repayment due under this Loan Agreement on 28 May, 2008 to Your Bank Account. You may at any time before 22 May, 2008 change your selection by by calling our Customer Service Centre at 0808-234-4558. When we extend your loan we will only debit the Finance Charge from Your Bank Account on 28 May, 2008. Please note that if this debit is dishonoured, you will remain liable to us under this Loan Agreement until your obligations to us have been met. At the time that we extend your loan the Loan Amount will be rolled over for a further Term under the New Agreement for which you will be charged an additional Finance Charge. You may make a payment towards the Loan Amount which will result in a smaller Finance Charge for the extended loan. Please contact us if you would like to make such a payment before 5pm GMT on 22 May, 2008 and we will adjust the amount that we debit to Your Bank Account on 28 May, 2008 to take account of this payment. Loan extensions are not guaranteed and we reserve the right to deny your request for an extension for any reason. *PREPAYMENT:* You can prepay your obligations partially or in full before the Payment Dates by sending us an e-mail or fax to the address and number referenced above informing us that you want to make a prepayment and giving us written authorisation to debit Your Bank Account for the prepayment by Direct Debit. If we receive the prepayment via Direct Debit, it will be applied first to the Finance Charge, second to any default fees and other charges you may have incurred under this Loan Agreement and then to the Loan Amount. Please be advised that paying your loan off early will reduce the amount of your Finance Charge, which will be calculated in accordance with section 4(b) of the Loan Details. *DEFAULT AND LEGAL FEES*. Unless otherwise agreed, you will be in default under this Loan Agreement if you do not pay us what you owe us on a Payment Date. Subject to our obligations under the Consumer Credit Act 1974, if you are in default under this Loan Agreement we may exercise our rights to enforce this Loan Agreement, including by commencing court proceedings in which case you may be liable for our reasonable costs as described in 4(a)(iii) of the Loan Details. *COMPLAINTS*: If you have a complaint please contact us Edit or by phone at 0808-234-4558 and we will investigate and try to resolve your complaint in accordance with our internal complaints handling procedure. Please refer to our website for further information about your rights and our complaints handling procedure. *GOVERNING LAW, ASSIGNMENT and EXECUTION*. This Loan Agreement will be governed by the laws of England and Wales. Each party agrees to submit to the exclusive jurisdiction of the courts of England over any claim or matter arising under or in connection with this Loan Agreement. We may assign or transfer this Loan Agreement or any of our rights hereunder without your consent. CashEuroNetUK, LLC Privacy Policy This Privacy Policy describes the privacy practices of CashEuroNetUK, LLC ("CashEuroNetUK") and its affiliated companies with respect to individually identifiable information and sensitive personal information ("Personal Data") that is collected on the CashEuroNetUK website at Edit ("Website"). "You" or "your" means you as a participant in, or as a user of, the Website. "We" or "our" or "us" means CashEuroNetUK and its affiliates. By visiting and using our Website, you are accepting, and consenting to, the practices described in this Privacy Policy. _EU Safe Harbor_ The website servers that support the Website, as well as many of our operations, are located in the United States. 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The e-mails we send may include special offers, advance notice of new releases and in-store promotions, updates on services offered, and notification of upcoming events. * To ensure that we are providing materials of interest to you, we may monitor whether you opened a particular e-mail have clicked on the images and/or links therein. Our e-mail communications may include HTML-based e-mail messages, which includes an invisible coded sensor that is activated when the e-mail message is opened. This sensor communicates the date and time the message was opened and, more importantly, whether your computer is capable of receiving HTML-based e-mail. You will receive a functioning sensor only if your computer is enabled to accept HTML e-mail. _How We Use and Disclose Personal Data_ We use your Personal Data to process your loan transaction, enhance your experience at our Website, and (as described in the next section below) to transmit marketing communications. We may also use your Personal Data for such purposes as processing payments, updating our account records, improving our Website, conducting statistical analysis, and for editorial or feedback purposes for our advertisers. When you provide your Personal Data, you are consenting to sharing it with CashEuroNetUK, our affiliated entities, and third parties as further described herein: * *Service Providers*: We contract with service providers to perform certain functions on our behalf. Examples include database providers who assist in identity verification, credit scoring companies, magazine publishers, retailers, and direct marketers. Their access is limited only to the Personal Data needed to perform their functions, and only for the purpose of performing those functions, and they are prohibited from using or disclosing the Personal Data for other purposes. * *Related Company/Group Transfers*: CashEuroNetUK is part of a larger group of related companies and may need to disclose customer Personal Data to its affiliates from time to time for administrative and compliance purposes, including the group parent company, Cash America International, Inc. * *Other Disclosures*: In accordance with our customary practices and those in our industry, we disclose information about your transactions with us to credit bureaus. If necessary or appropriate in connection with the sale or transfer of the loans or all or part of the business, we disclose relevant Personal Data to third party purchasers. We also release personal and account Personal Data if it becomes necessary for compliance with law or to protect the rights, property, or safety of our Website, our users, or third parties. We reserve the right to release such Personal Data to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law. * *With Your Consent*: Other than as set out above, you will receive notice when Personal Data about you may be shared with third parties not described above, and you will have an opportunity to choose not to share your Personal Data. If you have any questions or concerns about the sharing of your Personal Data as described above, please contact us as described at the end of this Privacy Policy. Depending on the nature of your request, you may have the opportunity to opt-out of these sharing practices in limited circumstances. In addition, we reserve the right to use and disclose all information that is not in individually identifiable form as we deem appropriate in our sole discretion. If you have any questions or concerns about the sharing of your Personal Data as described above, please contact us as described at the end of this Privacy Policy. Depending on the nature of your request, you may have the opportunity to opt-out of these sharing practices in limited circumstances. In addition, we reserve the right to use and disclose all information that is not in individually identifiable form as we deem appropriate in our sole discretion. _Marketing and Opt-Out Rights_ *By visiting our Website, you understand and agree that we may contact you at the phone number or e-mail address you enter on your loan application to assist you with your loan or to discuss other products and services that CashEuroNetUK may provide for you.* You may opt-out of receiving these marketing communications from us by not submitting your Personal Data, by responding to any of our e-mail communications with "remove" in the subject line, by sending us an e-mail to Edit or by visiting your customer account at Edit. and updating your contact preferences. If you opt-out of our use of your Personal Data for marketing purposes, we will honour such choice once we have had a reasonable opportunity to process your request. We reserve the right to take reasonable steps to authenticate your identity with respect to any such request or other inquiry. _How We Protect the Security of Your Personal Data_ We maintain reasonable measures to protect security and confidentiality of your Personal Data, and strive to keep it accurate, and only for as long as is necessary. Some of the specific security measures we maintain include: * We work to protect the security of your Personal Data during transmission by using Secure Sockets Layer (SSL) software, which encrypts Personal Data you input. * We store Personal Data in a restricted access format. * We transmit Personal Data in an encrypted format * Our networks are secured with certified firewalls in a multi-layered fashion with redundancy. * Our network related equipments (e.g., firewalls, routers, switches, etc) are secured with a password, and access is limited to authorized network engineers. * We restrict the access of customer service support staff so that extremely sensitive Personal Data cannot be viewed (e.g. full bank account Personal Data is not revealed, but only a partial number of digits to allow verification). It is important for you to protect against unauthorised access to your User ID and password and to your computer. Be sure to sign off when finished using a shared computer. _You May Access your Personal Data_ CashEuroNetUK believes that you should have the ability to review and update your account Personal Data. CashEuroNetUK gives you access to Personal Data about your account and your interactions with CashEuroNetUK for the purpose of viewing and updating that Personal Data. _Children_ We do not seek or knowingly collect any Personal Data about children under 18 years of age. _Conditions of Use and Revisions_ If you choose to visit the our Website, your visit and any dispute over privacy is subject to this Privacy Policy. If you have any concern about privacy or have any questions or comments, please send them to Customer Service at support.quickquid.co.uk or 0808-234-4558. Quick Quid Communications House 26 York Street London, W1U 6PZ We reserve the right to change this Privacy Policy at any time by notifying you of the existence and location of the new or revised privacy policy or by posting the changes online at our Website. Privacy Policy last amended 2 July, 2007 Payment Selection: [Direct Debit] You have selected direct debit as your method of repayment for your fixed sum loan agreement. the terms that govern direct debit transactions will apply to your loan ------------------- Edit personal data and links removed

The reason you got such big charges with lloyds is they charge you differently to other banks i have encountered For example, they charge you 6 a day if you are 1p-14.99 over your overdraft limit, obviously the more over you are the higher the daily charge goes. And you are charges a 15 monthly fee, as well as those daily fees This is taken direct from their website Monthly fee £15 You will pay this fee if you have an Unplanned Overdraft at any time during your monthly billing period (even if your next monthly billing period is only a few days away). We will charge you a maximum of one monthly fee in a monthly billing period. Daily fee Unplanned Overdraft balance is: Less than £25 - £6 a day £25 to £100 - £15 a day More than £100 - £20 a day You will pay a daily fee for using an Unplanned Overdraft. The amount of the fee will be worked out at the end of each day (including weekends and bank holidays) on the balance of your Unplanned Overdraft. We will charge you a maximum of 10 daily fees in a monthly billing Takes the preverbial i know,but thats why the charges are so big. Never encountered a charge that big before mind, and i am on the whole happy with lloyds, i moved to them from barclays, and am glad that i did:)