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  1. Thanks for this guys, I will have a good read up later. Just need to pop out so not ignoring anyone
  2. So the IRL complaint would have to come from my niece? Only thing with that is, my sister said that was why she needed a guarantor because her daughter is on benefits
  3. Thanks for your responses guys. So what should she do now going forward? Should she write to them mentioning no default notice or do something else? Sorry to sound thick
  4. Definitely no default notice served as yet. My sister has just checked her credit file and the score for the period when she became guarantor was 437 (out of a possible 700), no defaults or late payments at that time. The following month she went into default with an MBNA credit card, that was the only other credit she had, apart from a phone contract. The original loan was in her daughter’s name. Her daughter is on benefits and had a terrible credit history which is why she needed a guarantor. My sis received an email from George Banco Any suggestions gratefully received. Many thanks in advance. P.S. my sister clearly cannot afford the repayments either, she is on her bones. She said no one asked for her financial details at the time and the figures on the paperwork bear no relation to her salary or benefits. Is this a possible path to go down?
  5. Thanks for the replies guys. I've just passed them to my sis, she's hunting for a default notice. Will be back when I have more info.
  6. Thanks for the reply. Don't think she's received a default notices as yet. They are threatening bailiffs end of month.
  7. Hi there, well my sister finally heard back from George Banco, they were within the 12+2 day time period. They returned the £1 postal order (again) so no payment accepted. I'll attach the files below, so grateful if you could caste an eye over them and fingers crossed something is wrong with them. My poor sister is in full blown anxiety about being left with this awful debt. She also said the figures stated in the credit file bear no resemblance to what she earns, how long she's worked etc, she doesn't remember filling any figures out or being asked for salary details, benefits etc. Many thanks in advance. docs1.pdf
  8. Thanks Andy, that's what I thought, they know exactly what they are doing, but I didn't know how to respond. As for knowing which department to pass it to hmmmm. Do we have to give a reason as to why we've requested it? My gut feeling is no. So just respond saying whether email or post?
  9. My sister has just received this via email, any advice as to the best way to respond please, thanks in advance:
  10. Hi all, I hope I am in the right place. It's been years since I've needed advice on here so very out of practice. I am hoping to gain some help for my sister. Against her better judgement, she acted as guarantor for her daughter on a loan from Geroge Banco. Seems her instinct was right because daughter has stopped paying the loan so, as guarantor, my sister is now being hammered. I do not have a copy of the original loan document but have attached the guarantee and indemnity agreement, having removed identifying names etc. Please, can anyone help out here or direct me to the right place? Personally I do not think the loan should have been granted as my niece is on benefits and clearly couldn't afford the repayments. Many thanks all. G.Banco Credit Agreement.pdf
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