ok thanks for all advice

what if i carnt afford the payments they want me to make should i cca request them thanks for advice:)

Thanks Spamhead i do remember recieving about a ccj from them but i did not replie to it they seemed to have moved so quickly over this i dont have any of the paperwork what i recieved last year so what should i do next thanks again

no i did not inform the courts of anything i just carried on paying the loan ,also when i contacted xtra they said to me because you have not missed a payment since last year we can reduce it by £100 which i thought was strange thanks for your help .If the court did send me a ccj and i didnt replie to it what would that mean

They said i have to pay £521 charges which is £111 per month plus one final payment of £75 . I am sorry for being vauge but i cannot remember exactly what they sent it was last year but when i called them a few weeks ago and disputed this they said because you have making payments on time every since we may be able to reduce it by £100 which didnt make sence to me

i think they sent me a default notice and a letter saying it was going to court cannot remember anything else . The lady this mourning was saying we have a judgement so i am not sure what that means sorry if im a bit vague

:DHi Was Hoping i could get some more advice from this great forum I recieved a loan last year for £1000 from a company called Xtra Finance ,half way throught the loan i missed two payments due to partner losing his job .When this happened Xtra Finance very quickly sent me out a ccj so i carried on paying my loan to them as arranged .Now my loan has come to an end so i thought .This mourning i recived a letter from Xtra explaining that i have over £500 worth of charges becauce the account whent legal over me missing two payment .I have never missed a payment since then. So i called them and asked why it was so high and the lady was really rude and explained that they have a judgement against me from last year for the missed payment and i have to pay these charges when i explained that i was not in a situtation too pay the charges she replied well u have been paying the loan so far so why carnt you pay the charges Does anybody have any advice on whether i have to pay these excessive charges as they say they have a jugdement against me Thanks for any advice :grin: tofster213

Hi Was Hoping i could get some more advice from this great forum I recieved a loan last year for £1000 from a company called Xtra Finance ,half way throught the loan i missed two payments due to partner losing his job .When this happened Xtra Finance very quickly sent me out a ccj so i carried on paying my loan to them as arranged .Now my loan has come to an end so i thought .This mourning i recived a letter from Xtra explaining that i have over £500 worth of charges becauce the account whent legal over me missing two payment .I have never missed a payment since then. So i called them and asked why it was so high and the lady was really rude and explained that they have a judgement against me from last year for the missed payment and i have to pay these charges when i explained that i was not in a situtation too pay the charges she replied well u have been paying the loan so far so why carnt you pay the charges Does anybody have any advice on whether i have to pay these excessive charges as they say they have a jugdement against me Thanks for any advice :grin: tofster213

1st Credit have ignored my request for cca

Hi Was Hoping i could get some more advice from this great forum I recieved a loan last year for £1000 from a company called Xtra Finance ,half way throught the loan i missed two payments due to partner losing his job .When this happened Xtra Finance very quickly sent me out a ccj so i carried on paying my loan to them as arranged .Now my loan has come to an end so i thought .This mourning i recived a letter from Xtra explaining that i have over £500 worth of charges becauce the account whent legal over me missing two payment .I have never missed a payment since then. So i called them and asked why it was so high and the lady was really rude and explained that they have a judgement against me from last year for the missed payment and i have to pay these charges when i explained that i was not in a situtation too pay the charges she replied well u have been paying the loan so far so why carnt you pay the charges Does anybody have any advice on whether i have to pay these excessive charges as they say they have a jugdement against me Thanks for any advice tofster213

Thanks a lot for your advice yes i think so but wouldnt let me log on not to worry i just be toft haha so do you know if i should send connaught another letter or should i just wait now ?

by the way i am tofster 213 i had to set up a new account it would not let me log on lol:confused:

Hi 42 man The sd got delivered by post i had it about 1 week then i sent them a letter asking for my ca and they replied to me saying no futher action would be until i had recieved this info so i waited for the 14 day limit until i sent the second letter saying they were in default and they replied with that letter above . But whats has become apparent to me is they have combined two loans together to come up with the sum of £6xxx so they would never have just one credit agreement for this amount so i dont know exactly what they are going to send me hope this makes sense to you