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Angry_consumer

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About Angry_consumer

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  1. Good morning all I successfully claimed back the mis-sold PPI on my horrendous Opus card... Having been bumped across to these charlatans through no fault of my own, it has been an unsavoury experience from start to finish. Opus is without doubt one of the worst operators out there, belligerent employees at their call centre and an attitude that just belies all that is wrong with the system. Thankfully paid off my outstanding balance with thesethis weekend - a cracking feeling
  2. Thanks DX - but realistically, whats the liklihood of this working without puttin my credit report through either a shredder or incinerator...? Please don't think I'm ungrateful for the advice, just a little unsure.
  3. So, the day i dreaded is here. The wife emailed and said the mortgage payment has bounced. I spoke to the bank a while ago and asked what constituted 'late' - their response was that the AC had to be paid off at the end of each month despite the DD date being the 16th. I'm concerned but am determined that we will not los the roof with a late payment. I have researched what options I might have and found PayPlan - are they worth the hassle? I need some help and think it better to deal with this now than later. I am worried sick and want a solution. I don't wish to run from my debts, j
  4. Thanks for the message. You're right about approaching the lenders as the accounts are max'ed anyway - closure and interest freeze would help. Is it really that easy or are there specific things to say/not to say when requesting? Mortgage is the number 1 priority. In negotiating with lenders would I have to enrolled in an IVA or is the step before? I am keen not to venture down that path.
  5. Hi all This is my first post for a while and somewhat difficult to write. Firstly, and I guess thats why I am writing, I am trying to come to terms with my situation. I seem to have overstretched myself over the last few years - a common thread I see on here and I am staring into the precipice wondering how to prioritise things from my side. Firstly a breakdown of everything; Mortgage £2400/month (Woolwich) Barclay Loan 1 £9000 Barclayloan 2 £10500 Opus (yes.... a Citi group stitch-up) £14000 MBNA £7000 Barclaycard £7000 BoS Card £3900 (account closed and repaying th
  6. This is really interesting. I bought an iMac from the Apple store - at the time, I thought I would pay for it through the BPF option instore. The paperwork was formulated in the store and was referred. I was told to call back in an hour and they should have an answer for me. I carried on shopping elsewhere and returned to the store for checking up reasons! It was approved. Anyhow, I left the store with shiny apple product and paperwork in hand. Credit agreement duly signed and receipt attached. So, some months on I thought I would ring and pay it off. So...... I gave my agreement number
  7. This is really interesting. I bought some expensive goods from the apple store in much the same way. At the time, I thought I would pat for it through the BPF option instore. The paperwork was formulated in the store and was referred. I was told to call back in an hour and they should have an answer for me. I carried on shopping elsewhere and returned tp the store for checking up reasons! It was approved. Anyhow, I left the store with shiny apple product and paperwork in hand. Credit agreement duly signed and receipt attached. So, some 12 months on I thought I would ring and pay it off.
  8. Firstly, thanks to al responding to this thread. This website is nothing shy of inspirational. Right, back-slapping aside, I have an updated set of figures for this bloody mess; £103500 outstanding with Capstone The arrears have been cleared by me today. I also note with interest that they told me there is over twenty years left to run on this mortgage. I find this incredible. With both my parents ageing as we speak, I feel my fellow siblings and I will be left with a nasty settlement figure from this. There is no way on Gods Earth that this is capable of being paid on the i
  9. Yes, Magistrates proceedings were issued last time and this time also. My father has buried his head in the sand and ignored both. He was then called by the mortgage company, Capstone, informing him of the pending eviction at the end of the week. What really annoys me is he feels representing himself, or simply acknowledging it, will lead to a public loss of face. I don't seem to be able to get the message through that boxes on the drive/pavement will be a far more public flogging than an appearance in court. Regarding the irresponsible lending thread, can you please expand on this o
  10. Unfortunately being 6500 miles away, my info is limited. They don't appear to be able to make the basic MP. So shy of posting the keys, what other options do you recommend?
  11. Hi - this is my first post on the site, however, as an avid reader I hope someone, somewhere can untangle an absolute dire mess for me. Believe it or not (this isn't a story for The Sun) - but I write on behalf of my father who has got himself in a right pickle with Capstone (oh yeah!) Mortgages. He also has a loan with GE Money and is experiencing severe payment difficulties. As with anything like this, he has buried his head in the sand. So much so, that today I have received my second call in 6 months telling me that repossession is on the cards for a weeks time. He flatly re
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