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slgsue

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Everything posted by slgsue

  1. Thank you Ell. That makes me feel a lot better. I have everything in a box file. I will take it all in to work on Monday morning and copy it before going down to the court. I read on another post someone had complained to FOS regarding Capstone and their charges, this is also something I am going to do, I did think about leaving it until after this has been sorted but want to show them I mean business now so as I have the day off on Monday will put that into action too!!!! Just not quite sure how to go about it yet lol One thing that has come to my attention, Caps
  2. I thought I would share a recent success that I had against Aktiv Kapital. When I was 18 and silly I took out a HP agreement to the total of £2000. This was 12 years ago and 10 years ago I was pregnant and stopped paying (silly and irresponsible I know) To cut a long story short we moved house and I completely forgot all about this debt until the other day when a letter arrived through the door reminding me of it. I called them Aktiv Kapital, and asked if this was debt was still valid under the statute of limitations which only lasts for 6 years. This was just me trying to be cheeky
  3. Hi Sawyer, seems like I am in your situation, going to court to get a date for suspension (hopefully) on Monday. How did you go about complaining to the FOS as my arrears total £3300 of which £1575 are charges. It makes me so mad as you make arrangements to pay these arrears and every month they add charges so the arrears can never clear!!!!!!
  4. Hi Sawyer, seems like I am in your situation, going to court to get a date for suspension (hopefully) on Monday. How did you go about complaining to the FOS as my arrears total £3300 of which £1575 are charges. It makes me so mad as you make arrangements to pay these arrears and every month they add charges so the arrears can never clear!!!!!!
  5. I received my statement from Capstone today when the account originally fell into arrears at the end of November 2007 from what I can make out the amount of charges added to my account are £1575. £586.50 of those have been added since I made a payment of £3250 to stop repossession (without attending court arranged with Capstone directly) on 12 October 2010. The arrangement then was that I would pay an extra £150 a month off of the arrears total. How is it possible to clear your arrears when the charges they add each month for being in arrears is more than wh
  6. OK that sounds good. Hopefully it will, she did say it would be posted yesterday, but this is Capstone we are talking about so who knows when it will actually be posted!!!
  7. I will be taking everything down to the court on Monday as that is payday!!!! But I spoke to a woman in the court office and she said that will be fine so thats good. I have made those changes to my budget sheet, thank you for that advice:) Must say they were not happy when I asked for a statement of my true arrears without their charges, but hey ho such is life, I am not happy having my mortgage with them Thanks Ell, I will let you know when the court date is on Monday, I do feel positive but at the same time absolutely terrified!
  8. Thats a shame, but worth a thought! I will put together my I&E sheet tomorrow, should I PM it to you Ell-enn I have attached a copy of my budget sheet and also sent it to Ell-en. I am currently on hold with Capstone (27 minutes now) after requesting they send me a copy of my account statements showing my true arrears figure. They are telling me that the charges are part of the arrears figure and they can only send me a full statement and I have to go through the charges myself. Just off the top of my head I believe that if the charges were taken off my arrears b
  9. In all honesty the reason for being short on the payments is that it was double what we have to pay now and financially crippling! Mortgage is in joint names We have 3 children ages 9, 7 and 4 I have been looking at a few things, could we be eligable for the Repossession Prevention Fund? If so how do we go about it. I am not willing to lose my house to these evil beings!!!!!!
  10. I am writing this thread for a friend who has no access to the internet. They took a loan out for £11,200 with First National back in 2000 ish. It was passed to GE Money somewhen in 2002. During this time her husband suffered his first stroke and was deemed unfit to work. This is where I get a bit confused. They had a PPI which they tried to claim on but as they tried to claim after GE Money had taken on the loan, they told them that they couldnt as they already knew he had the stroke and the policy was a new one taken with GE Money. As far as I can make out they signed no further documen
  11. Thank you I will post in Legal Issues. Wasn't entirely sure where to put it
  12. I am writing this thread for a friend who has no access to the internet. They took a loan out for £11,200 with First National back in 2000 ish. It was passed to GE Money somewhen in 2002. During this time her husband suffered his first stroke and was deemed unfit to work. This is where I get a bit confused. They had a PPI which they tried to claim on but as they tried to claim after GE Money had taken on the loan, they told them that they couldnt as they already knew he had the stroke and the policy was a new one taken with GE Money. As far as I can make out they signed no further do
  13. right have just received email from Clarity about time too!!!! My question is how to respond to it, ie in terms of doing a CCA on them. Any ideas as I want to get this right. Thanks in advance
  14. Its been since 15 October and still no word from them, shame LOL They will have to wait longer then as they couldnt be bothered to set up a payment plan for me
  15. Go for it!!! These companies are no better than loan sharks IMO, interest rates extortionate, perfect for vulnerable people who cannot get credit elsewhere and are desperate! I will be watching with great interest on the 7th!
  16. Just a question I have been asked today, I have no idea so told my friend I would put the question on here and ask the experts!!! Any ideas?
  17. customer.relations@poundstillpayday.co.uk is the email address for PTP customer relations team, I emailed them and said basically I will not be harrassed by telephone and would only communicate in writing. They seemed to listen to this. They won't accept a payment plan though and am waiting to be passed to Clarity. It feels awful at the time but once you get these sorted with payments that suit you the weight that is lifted off your shoulders is amazing!!! I feel better already and still haven't sorted them all out but can see a light at the end of the tunnel.
  18. Ahhh bless you, it is so horrible to not be able to sleep and the arguments these things cause. They will probably contact you first the day after the payments are due, possibly the day they are due. Unfortunately they may well contact your husbands work. Just make sure you state that you will only correspond via email or letter. After you have defaulted on your payment date you can send an email to their customer relations department and state that to them immediately. This may stop any calls, but wouldnt trust these people with a bargepole if I am honest. Keep checking y
  19. Who do you bank with? When I reported my card lost no further payments could be made from that card.
  20. LOL Looby Lou , just want to get this nightmare sorted and be rid of payday loans forever, but also on my terms;)
  21. that was nice of them!!!! sorry but when is your loan due to be repaid again?
  22. how do we make certain that the offer is not conditional, do we just ask this when we contact them to accept offer? I know this sounds a bit of a daft question, but want to make sure I don't make any mistakes
  23. Dont call them, that will just give them the impression you actually want to speak to them. Best way is via email, then you have everything logged for evidence. My repayment date was 15 October 2009 and still not heard from DMC
  24. Oh I have to admit I do miss my slanging matches with Gavin, be it via email or telephone call!!! I contacted them on the customer relations address and requested only to be contacted in writing, they kept to this but when I explained that I was still only prepared to pay in installments they said they will send it to external agencies. I replied simply that I look forward to hearing from them and that was a while ago so should here back soon now.
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