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ThewarstartsNOW

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About ThewarstartsNOW

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  1. Hiya, hopefully there will be more responses coming, but from the experience I have had in this type of situation, and definately if you have bought a brand new property in 2007, if you do not have any assets or savings in accounts or property elsewhere, and you are currently renting, then because the amount of the shortfall will be so huge, the easiest and less stressful route is to go bankrupt and start again. Bankruptcy is not as bad as one thinks, as long as you have not been upto crazy things, you can still operate an account etc and everything is the same apart from the fact you owe noth
  2. Dear Repothreat, I am in the process of helping a friend write off their car finance to blackhorse, and have been able to find a serious flaw with blackhorse which enables rescinding as well as a return of all monies paid. PM me
  3. I have just read the page that is linked to the word fos, and I am now thinking should I just go straight to the courts and get an n1 filled out. Or should I take the fos route, any ideas would be greatly appreciated.
  4. Thanks for the message, should I wait for 8 weeks before complaining to the FOS?
  5. Hiya everyone, I took out a loan from alliance & leicester in 04 when I was made to believe that I had to have PPI and it was not optional and was a requirement of getting the loan. I am also a long suffering diabetic, and was never told about pre-existing medical conditions being excluded which meant I would never have been able to claim. SARS done in start of Oct 09, got the documents in Nov 09, have looked through and total PPI plus interest is £4252.50, I have added 8% interest from when the loan was taken out in 04 which comes to £1,870 for 5 years 6 months
  6. Thank you very much for your assistance. I thought that he could reclaim the unfair charges and any mis sold insurance premuims paid to date, and that he could ask for these to be paid directly to him by way of cheque? Also, I thought a bank calling you 15 times every day for the last few months would constitute as harrassment, which is illegal? And bearing in mind the person is now a full time alcoholic and he is now getting divorced and his family have all gradually stopped seeing him due to his extreme mood swings, coupled with him being a diabetic and aged 63, I thought I might b
  7. I am sorry for posting on someone elses thread, but I need help, I am reading conflicting info and need some help, pls see my thread http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/182987-i-need-help-3.html
  8. Hi, I am sorry for posting on someone elses thread, but I am reading conflicting info and getting worried, pls see my thread http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/182987-i-need-help-3.html
  9. I am sorry for posting on someone elses thread, but I am reading conflicting info and so cant get to sleep, pls see my thread http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/182987-i-need-help-3.html
  10. I am sorry for posting on someone alses thread, but I am reading conflicting info and getting worried, pls see my thread. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/182987-i-need-help-3.html
  11. I am sorry for posting on someone elses thread, but I am reading conflicting info and need help, pls see my thread http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/182987-i-need-help-3.html
  12. I am very sorry for asking help on someone elses thread, but I need help as I am reading conflicting information, pls see my thread and help me http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/182987-i-need-help-3.html
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