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  1. Well I went to court and they won. They had at first claimed that they did not have a copy of the Credit agreement, but when they appeared in court had one typed out without my signed signature. It was typed. I argued the case, but they judge said they didn't need one!!! I went into a monthly agreement of paying £15.00 a month. However now I have Barristers looking into the case. Not cheap, but hopefully worth it.
  2. Well she does, but that's not the question here, it's what options do I have?
  3. I am interested in sorting out my Mother's Mortgage and my personal debts. My mother, who is 80, still has about £236,000 remaining on her mortgage. I have personal debts, which are costing me about £1,200 per month. My mother's house is worth about £450,000. Would it be possible to get a Lifetime mortgage to repay her mortgage and my debts? I would be happy, and I want to pay towards the mortgage each month. I know that I would not get a normal mortgage as I would not earn enough (£50,000 a year) and no deposit. I am just wondering if anyone thinks this would be possible, or if anyone had any other ideas?
  4. I have been a member of O2 since 1989 (When it was originally called Cellnet). I have had many phones, and many contracts, and I have stayed loyally with O2 since that date. However, on Christmas Eve I went into an O2 shop looking to buy a iPhone for my brother as a Christmas present. I was persuaded to upgrade my own phone to an iPhone X, so I could give my present phone to my brother. I was told I would have to pay £69.99 for the handset and another £297.00 to upgrade early. At NO TIME was I told that this fee was non refundable. I upgraded, when I went home I was uncomfortable at paying nearly £70.00 a month for my new contract and be tied into it for another 2 years. I went back to the shop on Boxing day and asked to be released from the contract under the 14 day cooling off period. I was asked to come back the next day as there was no one in O2 working on Boxing Day to sort this out, which was fair enough. I returned on the 27th December and was told that the £297.00 fee I paid to upgrade early was non refundable. I told them that I was not told about this at the time, and if I had of been told I would never have agreed the new contract. I was asked to go away and speak to O2 head office to get this sorted out. I contact O2, who passed it onto your Executive Relations, who told me I should of read the Terms and Conditions, of which I explained to him that no one reads Terms and Conditions (which he agreed), and apart from that I was not given enough time to read them anyway. However he would not relent and told me that I could not have my early upgrade fee refunded as I was out of contract. I told him that I was told by O2 that I could go back to my old contract and see out the rest of the contract, which expirers in September 2018. However he refused to do anything and referred me to the Ombudsman. I find that is bad customer service to a long standing and loyal customer, that O2 will not even try to assist (even as a gesture of goodwill) and do something to help a customer, and just palm them off to the Ombudsman. I returned to your O2 shop to get my handset refunded, when they tried to do it I was told they could not refund my handset in store. They then got hold of a person at O2 and they passed the phone to me, and he told me they would send me a pre-packaged jiffy bag to return the phone in, once received I would get my handset refunded (£69.99), and he would also refund my £297.00 fee. He told me it would take up to 15 days to refund my money!!! Whilst I was not happy at having to wait to get my handset refunded, at least I was also going to get my early upgrade fee refunded. I was sent the jiffy bag the next day (quick and good service), and sent the phone back on Saturday 30th December. I today (5th January 2018) received a phone call from someone called Tanya regarding a survey I filled in about the service I received. She told me that they have not received the handset back (It was delivered to O2 on Wednesday 3rd January just before 7am), and that I would not receive my refund for my handset until the following week. Why does that take so long? She also informed me that the guy, Daniel, who told me that he would refund my £297.00 fee should not of told me that, and that I would not receive it! Is this the way you treat people? After chasing up the refund for the handset I have received another e-mail from Executive Relations informing me that they did in fact make an error about the phone and that they had indeed received it. However I would now have to wait a further 15 days for a refund!!! I have been miss-sold a contract which I was persuaded to upgrade to when I didn’t really want to. I was not told, or made clear at the time, that the early upgrade fee was not refundable. I have been messed about from one person to the next. I am having to wait to have money refunded, and wasting my time in the process. I have now contacted the Ombusman about this situation. Whilst I accept part of the blame, surely a company the size of O2 could of dealt with this better??? I will NOT recommend them to anyone now, all these years I have been with them and they have treated me like
  5. I also have gone caught with the Loan Guru! Same sort of thing, but they took £69.00. Then told me if I want a refund I had two choices, an immediate one within 3 days of £40.00, or a full refund within 30 days! The strange thing is I never gave these people my details. You apply for a loan from one company and then they move you on to companies like this, the whole industry needs looking at! I applied fora loan and got declined, and within 1 week received in excess of 100 texts from other loan companies!!! I did not ask them to give out my details to other companies!!!
  6. My bank is Lloyds! This company is well known, I have reported them to Trading Standards, FCA and other authorities. they need dealing with, they try everything they can to delay refunds, and even then try to deduct £5.00 admin fee. They tell you that this is part of the agreement, however no agreement has been signed! Where they caught me, or should I say their 'cover' company caught me, was that they told me I had been approved by their In-House lenders, which is a lie! they just then e-mailled me a list of loan providers and loan brokers which i could find off the internet. I am now going to spead their name on every financial forum I belong to, and ensure they are so well known that they do not get away with this sort of thing again. I ask you all to pass their names around, they use Money Essentials and AK Management.
  7. I have just come off the phone from my bank, hey have told me that technically they can't stop it, otherwise people could ring them up and dispute a payment, and if they took it back it would technicnally be theft!!! I have been passed onto the dispute department of the bank and see how they get on! This company is well known, and I have reported them to Trading Standards, the Citizen's Advice Brearu and FCA!
  8. They said they couldn't as it was being processed! However, they said once it actually shows on my account they might be able to do something!
  9. Warning! Do not use these companies: AK Management (UK) Ltd and their other connected company, Money Essentials!!! This company contacted me saying that I had been accepted for a loan from one of their 'in house lenders', which does not exsist, all they do is e-mail you lists of loan providers and other brokers, which you can find off the internet yourself. However, today they took £89.00 from my account without my permission, for their loan broking service! I contacted my branch, who agreed that their service is appalling, but cannot claim the money back. However, they are looking into this companies service. What I need to know is how I can get this money back quickly? They are refusing to refund the money.
  10. I have recieved a card from APS, and I was expecting a delivery from a catalogue company. So I called them and asked them to deliver my 'parcel' at work. It turned out to be a Court Order requiring me to attend the County Court to prove my financial situation. Has this been done legally? Why did the court not send the papers? where do i stad with this? I have an ongoing issue with Welcome Finance.
  11. What is the value of the claim? £8,000 Is the claim for a current or credit/loan account or mobile phone account? Old Loan When did you enter into the original agreement before or after 2007? In 2007 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Being dealt by IND Were you aware the account had been assigned – did you receive a Notice of Assignment? No sure! Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Yes Why did you cease payments:- Financial Problems Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes
  12. Yes, they seem to of replied in the correct manner. However, they have sent me a couple of statements which are incorrect and yesterday they sent me a copy of a revised credit agreement with Welcome, but it had no signatures on it!
  13. I do know the credit industry very well, and helped people get back on their feet, obtain bank accounts, cards, etc, even with poor credit, I have also dealt with may payday loans companies and won, however I let this case go, and I should of dealt with it earlier. I had about three loans with Welcome, the last one I had I defaulted on due to redundancy. i claimed back PPI fees and received a cheque for over £3,000. I didn't understand why they didn't take this off the amount owing, as all my other companies had? i didn't hear from them for a couple of years, then i recieved a letter with a statement saying I owed about £6,500. All my credit file entries stated all my loans were settled! I wrote to them asking for a written CCA, but didn't receive a reply, however I have no proof. They have sent me statements, some of which are incorrect, they have assigned the debt to IND, who have issued me with a Summons, which I am fighting in Court. I want to know the best way to go with this as I do not want a CCJ on my credit file. I have also send Data Protection requests, etc. I have used the legal route of DC's companies not having legal rights and won before, but this is usually done before any summons.
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