Hi, Last year I did a search on companies that sold these and 0871 numbers and found one that had a free sale, so managed to get 2 0871 numbers for free. I only give these to market research and any company I have a dealing with. If they question I say its for redirecting calls to what ever number I am on and refuse to give any other number as X directory. The good thing is that I make 4p per minute when they call me so I keep them on the phone longer (just like they do). If a company refuse to accept this number I intern refuse to call there nat call rate number and demand a free phone number or normal number. The law is changing on these numbers from I think next year as when ever you dial one a recorded msg has to tell you the cost and that it is higher than standard rate. This however only applies to businesses and not private individuals. So far I have made over £100.00 back in a year, which helps to reduce the phone bill.

Hi, The CCCS are managing the debt and will contact all creditors with offer of payment based on our income and expendature. They said even if creditors do not accept agreement, will keep paying amount I can aford prorata amongst creditors, so if they take me to court, for a CCJ, it showes that they have refused to make arrangments and would not look in there favour or best interests. (amount owed is over 50k unsecured). Said also if they take me to court for attachment against equity in property, I can 1st refuse and if they go further accept on the proviso they don't force me to sell the house due to having 2 small children (said this was worst case only) and as we have no intentions of moving, then this wouldn't make a difference. They have helped a lot and we now have no need not worry about the banks bouncing mortgage or council tax to get there own payment 1st, can even aford to get shopping each month now. (will be sueing my wifes bank next for all her charges, I had mine last week to clear most of overdraft). the credit agreement doesn't mention transfer rights thanks.

thanks for the info, Had meeting with CCCS today. They said it is definatly not a Hired Purchase and if they have logged the car against HPI, it can easily be removed. They also said they can not take the car or force me to sell it, so that calmes my mind a little. Not sure what to do though to get it removed. How did you find out the details as when I checked on google for HPI, all info sites are payable? But any advise on getting this removed would be appreciated.

It just has "Your Signature (me), "Witness To Customer Signature" (this is were there is a squiggle and stated carcraft for address) and "GE Capital Woodchester Signature" (no signature). It states Credit Protection Insurance for life, disability and unemployment and is ticked (but remember canceling this within a week so never had to pay it). Was just a monthly fee not included in the loan. The "Financial Details" section states: Total Cash Price (inc vat), Amount of Loan, Interest, Acceptance Fee, Admin Fee, Total Charge for credit, Total Amount Payable, APR and then monthly payments and how many. It does also have near the top a "Purpose Of Loan" section, which notes the car details. I will PM my reg.

Thanks for the advise, The agreement was signed at carcraft. I thought it was with GE Capital Woodchester (later changed to GE Money) as there name is in the bottom were they should have signed but only my signature and under witness a sqiggle and address states carcraft but no other details or any other signatures. The Ts an Cs do not refair in any way to HP and it only states under document type: Motor Koan. I am still not sure if this is HP or a personal loan.

Hi, Any help would be very much appreciated. My wife and I are having financial difiiculties and are waiting for an appointment with CCCS. One of the debts I owe on is my car loan. I was always under the impression that it was on HP. After missing some payments, I was called by them and I said that I will make 2 more payments and that will be half way through and they can collect the car as has been kept in reasonable state of repair. I was advised that the loan was not HP and was a personal loan and that to sell my car myself but the debt stands. I thought great they can not reposses the car. After writeting to them to hold action before I or CCCS right with offer of payment, I received a letter advising they can not accept reduced offers and I can "Voluntary Surrender" my car to them and after auction, they will accept offers. I have checked my credit agreement and just states MOTOR LOAN, no reference to hire purchase or 1/2 1/2 50% under CCA in any Ts and Cs. Is this a Hire Purchase and can they take my car? Thanks in advance for any help

If its a Hire Purchase agreement, under the consumer credit act 1974 you have rights if the garage you bought the veicle went bust or out of business. You can sue the loan company as you had complained about the quality of goods and the damage had not been repaired. I would go to trading standards and advise them what happend. They may know about the garage all ready, but looks like you have a case. Also go to CAB, they will be able to point you in the right direction.

Good look, they just cleared my overdraft (with the settlement) the day before going to court.

Hi, Just thought, I'd let you know that First Direct offered me a figure the day before going to court and I accepted. I am happy with what I recieved as clears all charges. Just like to say a big thanks to this site and as soon as I can afford (as my charges were in an overdraft that they wanted me to pay back) I will make a donation. I have been telling everyone I know about this site and the very good books and advice available. 9 out of 10 people don't believe me until I show them the letter from 1st Direct with the settlement offer. I will, when I can afford to, be doing the same with Lloyds TSB from an account from 3 years ago. A big thank and keep up the good work. I will still check the site out as any advice I can give I will.

thanks jonni2bad, Will knock overdraft interst off and maybe if they don't respond favourably to my 2nd letter will charge them the 8% instead.

Hi, Any advise or support would be appreciated. (I know I go on a bit but wil keep it breif in future) Last September, I had some financial difficulties and new at the end of the month would have problems paying my financial commitments. I contacted all of my creditors, to see if they would except reduced payments on monthly payments and stop charging interest. MBNA excepted, Barclays excepted and Cap One excepted (credit cards). I had 2 cards with EGG and they said all they could do was add the balances to the current loan I had. I accepted the offer and thought I could manage it. GE Money didn't except (thats in another thread somwhere), Paid some payments to EGG but eventualy they sent it to Eversheds debt managment. I'm going off on a tangent a little... Any way back to last September, I contacted FD to advise that the £100+ charges they were going to charge me at the end of the month plus the £60.00 they had already charged me means I wouldn't be able to pay my finance arangments. I explained the situation (mentioned above) and they straight away said they would close my account and would not reduce my charges and I would have to bank elswhere. They did say that I could pay back my (agreed) over draft (500.00) plus the excess and charges at 11.00 per month. They did let me take all my pay out at the end of the month to start to bank elswhere and to pay my finances. So was pretty much screwd by them. I have paid my 11.00 each month since and each month they have charged me £5.00+ interest (this will take me forever to pay off) After reading on moneysavingexpert.com and seeing this excellent site mentioned on TV, I decided to log on and claim back all charges. I logged on to my old FD account (still had access) and downloaded all my statements for the last 2 and a half years). Worked out that the overdraft an excess overdraft charges and unpaid direct debits came to £670.00 and the overdraft interst came to £58.36. I sent the 1st standard letter asking for my charges back on the 6th of the 6th 06 (maybe thats was a sign). Had a letter back today dated 14th from Steve Smithard (only mentions the £670.00 and not the total?). The letter basicaly says they do not agree and refers me to Ts and Cs Part2 :Operating Your Account, Clause 6.9. Then states that section and again states does not agree to my request. Then asks me to right to Robert Kernaghan, Customer Relations Manager. Then states if doesn't here from me in 8 weeks wil close the matter. Then refers me to the Financial Ombudsman. I will wait till the 14 days deadline is up (around the 20th) before sending the 2nd letter (notice before procedings). I was a little confused when I read the FAQ section. Can I realy claim for the interest they added each month when I went over my limit? is this why they didn't mention it in the letter to me? Does anyone think ive got a good case as will only go to court if I do. Thanks in advance for any help, advice and support given and will keep you updated.

Thanks for the advice. when I said that I would pay the settlement figure minus charges, they said they would still persue me and that if it wasn't the full redemption price I paid, then it wouldn't be classed as paying the full redemption figure and would persue me for the remaining balance and charges?

Hi, Any help with this one would be appreciated. I have a car loan that turned out to be a personal loan through carcraft. the loan is with GE Money. I had financial dificulties last year and aproached GE Money after 2 payments were missed. I filled in a budget expenditure form and sent it off and phoned to advise of my situation. I offered to carry on making my usual payments and £10.00 off my arears. They said they could only split the arears over 3 months to which I couldn't do. I made 1 more payment and they thn issued a default notice against me for the arears. I emailed making the same offer and sent a payment to them again. They didn't respond and again sent me a threatening letter charging me a further £20.00 for the pleasure. I emailed again stating my offer and I will make no further payments until I get a response. After sending me another thretening letter I phoned and again made my offer. I was advised to sell my car and give them the money and only then would they talk about making arrangments to pay. I told them if I sold my car I would not be able to get to work and the offer then would come through any benefits I would get if any. They said not there problem. They again issued a default letter to me. On the 15 May I decided to refinance and contacted the debt agency they sent my loan to for a settlement figure and was advised of a total of 120.00 in charges. I then contacted GE Money who agreed to remove the charges if account was settled and would send me the figure. I rcvd the figure 2 weeks ago and it did not have the charges removed so I contacted them. They said no agreeent was made and the person I spoke to said would reduce the charges by £30.00, they said the action would continue. The next day I had a threatening phone call. Can I claim the charges back and are they allowed to log defaults against me even though I tried to communicate with them and made offers of repayment?