one of the usual things will be to write you a ta for complaining we will look into it , then as they put your SAR together they will check the phone calls . if they fail to supply these ,have a go at insisting they do, but if they cannot ,well they cannot say they didnot missell ,so your case will be much stronger . good luck russ see firstpluscomplaints for fellow FP sufferers

There is a train of thought about the multple agreements and how they apply to the way these agreements are written, that is quite conflicting and it is not as straight forward as it seems , but unfortunately there is also a lot in the courts too. There has been cases taken up to appeal level an have not been upheld. so it by no means certain. worse luck as my two loans with FPare the same. Also when the rules changed in 2008 there is a timescale for different loans to become regulated ,depending on size and when they were taken , some 2008 ,2009 .2010. sobest to check your dates on that too .

Agree with above , Fp are notoriuos for doing at most exactly what you ask for and no more , if it comes to providing anything that may assist you in a claim ,they will not supply it. Never received my sales calls or follow on calls, but eventually got them to admit misselling , so keep at them with your complaint ,dont let them fob you off.

thanks for the help

these say they are valid for england wales only . Is there a similar info pack available for scotland? ta

hello , I have been suffering with BC for months now , they have been hounding me , I have started fighting back , sent harassment letter, which hasnt worked, I am at home with severe depression and they are aware that their actions are affecting my health. Ihave said in my letter to them that if they keep harassing me I will take them to court and seek to have my debt reoved and claim compensation for the stress and anguish they are causing my health. my problem is , how on earth do I go about that?{court action, im in Scotland}, and how could I work out an ammount to try to claim for compensation? thanks for any advice russ

hi, thanks for the info, do I just leave blank the bits that refer to being a company?

I am been in a debt repayment plan with several creditors, ifirst through trading standards then payplan, I have been off work ,with severe depression now for eight months and am currently on incapacity benefit, I am only paying the token payment of a pounfd ,not in a position to do anything else. for months they have been hounding harassing me from about 8 till 830 9 ish nearly everyday. payplan wont help about complaining , found this site and have sent harassment letter, doesnt seem to have made a difference, How do I take that further?{ I'm in scotland} if they carry on , can I actually take them to court? could I try for compensation ? they really are affecting my health. sorry but this site is big I need direction. thanks russ

hi, thanks for that, been telling payplan for months about the calls and all they do is send a request to stop but say their hands are tied ,fair enough I supose . I also sent them a copy of the letter for their records, never thought of involving my MP , thats a good point thanks. I posted the letter on the 8/1/09 so early days, no effect yet. thanks for taking the time to reply russ

hi , just sent off a harassment letter to barclays , re : their constant calls , Ive been off work for 8 months with severe depression and have several debts , I am dealing with payplan in dealings with my creditors. most fine except this lot. what do i do if they dont stop and ignore the fact that they are making my depression worse with their harassment ? I dont know how to take anyone to court , it s very hard to try do deal with i;m under strong medication and it doing my head in trying to deal with this. russ

Hi, just wanted to pass on my experience in case it may help somebody give up. Iam 50 stated smoking when I was about 11/12 lots of time around 20 a day, then slowly as an adult ended up around 40 to 50 a day . Toyed with giving up a few times , longest was ten months . miserable months! I worked out that I had never considered giving up for myself, it was for the wife ,or the money or some other external source. Then about 18 months ago ,actually found something that I had always wanted to do, did it and found to progress I would need to give up the fags! so decision made ,it was so important to me I just stopped, never used any support groups ,patches etc just stopped,not had one craving or one argument , just decided to become a non smoker its brilliant saved a fortune ,dont smell etc etc If I had'nt found my particular trigger for wanting to give up I never could have done it, so my point is find your own personal trigger/reason, forget everything else it all boils down to you! find that reason the one that finally convinces and makes it worthwhil for yourself!! good luck