Yes I have.

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.

Well she does, but that's not the question here, it's what options do I have?

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?

I appreciate that, but I want my £297.00 back.

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

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!!!

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.

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!

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!

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.

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.

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

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!

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.

Hi, I am going through a court case with IND, who are collecting on behalf of Welcome Finance. I have gone through all the CCA requests, etc, and they seem to have everything 100% ok. However, I have never agreed or have a contract with IND, would I have a case of having this case thrown out due to the fact that I have never elgally entered into an agreement with IND? Just trying to find a way of either winning this case or having it thrown out.

Thanks for the reply. It doesn't state anything about hours apart from working 50 hours a week. We have no Union.

The company I am working for has now told us we must work 7.30am to 5.30pm everyday, even though we have had to work 6am to 4pm or 11.30am to 9.30pm, depending on what shift we were on. Although working 7.30am to 5.30pm might sound nice to most people, it is not good for me personally. Can they make you work the new shift paterns, or do they have to go through a consultation period?

well, there is nothing more to say, than this e-mail I recieved! Yes, I think the debt is genuine as i do recall the loan, however it was quite a long time ago, but the e-mail just seems to be full of lies! Here is a copy of the letter is full; ----- Original Message ----- From: Sridevi Dhulked To: [email protected] Sent: Tuesday, November 19, 2013 5:24 PM Subject: RE: Customer Account No.: XXXXXX Dear XXXXXX Thank you for contacting Secure credit Management. The letter was in reference to the loan which was taken in 2010 from MCO Capital Ltd, trading as Help loan or Balance loan. The product you had chosen was the Help Loan. The outstanding balance is owed to Secure Credit Management as we have purchased the debt book of MCO Capital and are responsible for collecting the outstanding debt. I have enclosed an information sheet. Confirming the following details:- • When the loan was taken. • Into which bank account the funds were credited. • What date the funds were credited • Who owned the bank account at the time of credit and now. • What checks have been completed. I can confirm that this agreement/contract was not signed for on paper as it was an online application through the website as a click wrap agreement, which states that you have to click and confirm the terms and conditions before you can submit your application and the funds can then be transferred. (I have attached the Help Loan terms and conditions agreed to for your reference),I can confirm we do not have a signed agreement for this loan. I have provided the information below which provides the specifics of where your information came from and how we have confirmed we are speaking to a genuine customer. London Police Financial Crime Unit - have already reviewed and investigated your case and deemed it is not fraud, they were subject to a protection order through the court to confirm these details. UK Banks — Were subject to a court order to provide details of matches where they have confirmed the following Name D.O.B match Address match If and when funds entered an account from an MCO Capital product, in your case Balance loan. Credit Reference Agency — reconfirmed the identity of customer to complete a third and rigorous check to make sure the details confirmed through the other sources were correct in reference to name, address, dob and voters roll information. In conclusion, we have confirmed from three separate sources, 2 through court order to provide and confirm details of genuine cases where the funds have been confirmed entering the bank account. In this case Secure Credit Management would request that you contact the office further, either via telephone or letter to arrange repayment of the outstanding balance. If you have any further queries please do not hesitate to contact us. Sridevi Dhulkhed Data Analyst Secure Credit Management Limited Tel: 0121 3487599 [email protected] www.securecreditmanagement.co.uk

What would you like to know? I took out a payday loan with Help Loans, some years ago, and have only just been contacted by this company who alledge to have bought it from them.

Hi, I am being taken to court by IND/Welcome they issued a Claimform I have replied stating that as far as I was concerned the loan was repaid! Here is my defence, and I'd like your opinion; * In 2010 I recieved a cheque from welcome for about £3,000 for mis-selling of PPI, if the loan still had an outstanding amount, why did they not use this toward the repayment of the loan, as my other Credit cards had? * At the time, and months afterwards my credit file showed all the loans I had with welcome were "Settled". * I recieved sometime afterwards (about a year) a letter saying that I owed £5,900 (approx), i wrote back requesting a wriiten copy of the Credit Agreement, which they never replied to, however I do not have proof of posting! They are disputing this and say I owe the money (I did have this loan with them), and have now added another £1,700 to the loan and more charges, making my loan owing to over £8,000!!! they have written to the Court asking this to be heard, and I think they are going to really fight this, whats your opinion, and what can I do! I don't want another CCJ, as I have just cleared my final one, i am also not in a position to pay this. I did think this loan was cleared as after receiving the payout, i heared nothing for a couple of years.

I have just recieved this e-mail from Secure Credit Management, and I'd like anyone's opion on this chapter; I have provided the information below which provides the specifics of where your information came from and how we have confirmed we are speaking to a genuine customer. London Police Financial Crime Unit - have already reviewed and investigated your case and deemed it is not fraud, they were subject to a protection order through the court to confirm these details. UK Banks — Were subject to a court order to provide details of matches where they have confirmed the following Name D.O.B match Address match If and when funds entered an account from an MCO Capital product, in your case Balance loan. Credit Reference Agency — reconfirmed the identity of customer to complete a third and rigorous check to make sure the details confirmed through the other sources were correct in reference to name, address, dob and voters roll information. In conclusion, we have confirmed from three separate sources, 2 through court order to provide and confirm details of genuine cases where the funds have been confirmed entering the bank account. In this case Secure Credit Management would request that you contact the office further, either via telephone or letter to arrange repayment of the outstanding balance. If you have any further queries please do not hesitate to contact us. I have not disputed the debt, I just wanted to know what company they were representing! However, i think they are not telling the truth!!!

I have already been in there a few times, they said they can't overrule the decision. they did phone up another department, but it was declined!

Hi, I want to buy a car and I don't have a good credit history, however I really do not want to buy the card on the 'Guaranteed Car Finance' offers. I find that not only do they charge about 36%+ APR, which I think is high considering its a secured loan, but they make you have all the add-ons, like GAP Insurance which pushes the monthly payment up! Anyone had any experiances with Main dealers, or 'friendly' garages? I know I went into a VW garage about 10 years ago and got passed for finance even though I had CCCJ's!!!

Well, I'll keep the story brief, I put in a complaint against LloydsTSB, with whom I have banked with for the last 3 years, as I have been asking for an account upgrade from my basic account, which they still refuse to do. I have run a good account, have my wages paid into it each month, which is well in excess of £2,000+, yet they won't upgrade my account! Now, the reason for having my account upgraded is, apart from the fact I would like a 'normal' account, is the fact their debit card only works in their LloydsTSB machine's. Now I work all kinds of hours, and sometimes very long hours, if I need to get some cash out I have to go searching for a LLoydsTSB cash machine! I have aksed to be upgraded many times, and can see no reason why they cannot upgrade my account? I have not asked for any borrowing, and I present no risk to the bank as they no longer issue cheque guarantee cards, so where is the risk? Now, my credit history is not the best, I have a couple of credit cards, one gets paid off in full each month, but what really annoyed me is I know of a few cases where they have upgraded a persons account after only banking with them for about 7 months, dispite having CCJ's on their account!!! This is discrimination, and I reported the matter to the FOS, who have so far taken about 4 months looking into this, and I have just recieved a letter, telling me they are giving LloydsTSB upto another 3 months to respond! This is a joke!!! BTW: Before anyone tells me to go to another bank, I like LLoydsTSB online banking service, its better than most. i also do not want to spend further years having to prove myself to another bank!!!