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prima

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About prima

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  1. Hello, Do not really understand how people state "not heard form them or trying to get money back" why dont these people just call them and ask to speak with the MD or a manager if indeed they have a complaint that is not being dealt with. It dosent make sense! Alternatively if still not happy contact the Financial Ombudsman! DHUM 1981 you state that you have heard nothing for 18 months,but then say "they got a debt wrote off and charged me 25%" how did you know? Without wanting to appear to be championing the FSF service, I have stated previously on this forum this se
  2. Oh, just read that post from Rathbone? from our perspective this is a total contracdiction of how we found the service as previously stated on this thread again a suggestion is call them up Rathbone and clear up any confusion about the fees for your debt to be cleared ! if you are indeed a customer? for the record we received no admin charge of 5% the fees were exactly as stated. A debt free ex First Step Client prima
  3. Hello Sequenci & PCB sorry for the delay in getting back to you, had a few days away, what was meant in my previous post was that the creditor my freind had that could produce the agreement and threatened legal action accepted a token payment via FSF as opposed to going further, if they had not accepted the payment then iam not sure what would of happened! anyway thats what was meant. Hope that makes sense. prima
  4. Hello Sequenci, If I understand your statement correctly we can answer it as we had this exact situation, if the loan/agreement is correct token payments are made, if the agreement is not correct, the debt is in dispute i think thats what was said, therefore cannot be chased does that sound right? prima
  5. Hi PCB, my freind has spoken with FSF to acknowledge the refund and indeed had a lengthy conversation with a chap in the full & finals dept? she has agreed to send a letter to them giving thouhts on how the service worked for her, she also brought up the fact that she had seen on the internet a mixed bag of comments about fSF, the response was " it is frustrating that some comments on the web are totally wrong, people must either forget what we do or believe the creditors and debt management companies when they tell lies about the service, Our service works,as it has done for you but
  6. Hi PCB, my freind has spoken with FSF to acknowledge the refund and indeed had a lengthy conversation with a chap in the full & finals dept? she has agreed to send a letter to them giving thouhts on how the service worked for her, she also brought up the fact that she had seen on the internet a mixed bag of comments about fSF, the response was " it is frustrating that some comments on the web are totally wrong, people must either forget what we do or believe the creditors and debt management companies when they tell lies about the service, Our service works,as it has done for you but
  7. Hi, To carry on this tale, after visiting the agent and they confirming the receipt and having a copy of the receipt and the file, they have advised they cant find the money!! Anybody advise if they persist with this story what can she do? Thanks in advance. prima
  8. Hi PCB, ironically my freind did receive a closing statement from FSF along with a cheque for the overpayment this morning, on the statement are the charges & fees as stated, nothing extra at all. To answer your question there were 5 creditors. She has been asked for a letter or comments as to how the service worked for her, I have advised her to call them with her comments, also to acknowledge the receipt of the cheque and also enquire as to why people are stating these extra charges, too late to call tonight will advise of the response next week. prima prima
  9. Hi Mashmellow, Thanks for the reply, today has yeilded some good info, my daughter found the agent and they have confirmed they have the original deposit! she is going in with the receipt on Saturday so fingers crosssed and will advise. prima
  10. Great info here my daughters situation is about to become somewhat fractious, they have been asked to vacate by the new landlord, with notice, when they enquired about the deposit paid some 8 years ago the ne wlandlord has stated " nothing to do with me" should they approach the rental agency that introduced the property to them? (if still in business) or is the onus on the new landlord to repay? Thanks in advance for any advice. prima
  11. Hi PCB, posted this on another thread last week, Hello PCB, thankyou for your comments, I understand your question, and yes the amount was not a great amount, including the fees charged she has ended up paying out approx 35% of the debt she started with. I have indeed looked at some of the posts on this and other forums and there are good and not so good, as I have said previously I can only tell as I find. There seems to be a trend though people thinking creditors are paid whilst on this plan or service. To answer your last question she has been charged to date 8% of the deb
  12. Hello PCB, thankyou for your comments, I understand your question, and yes the amount was not a great amount, including the fees charged she has ended up paying out approx 35% of the debt she started with. I have indeed looked at some of the posts on this and other forums and there are good and not so good, as I have said previously I can only tell as I find. There seems to be a trend though people thinking creditors are paid whilst on this plan or service. To answer your last question she has been charged to date 8% of the debt plus 25% of what is saved or written off, but has been
  13. After careful consideration of coming back to this forum, (as last time I was verbally attacked by some) to update as suggested in my previous post some months ago, I decided to do so, just to say my friend who took up the FSF service some 19 months ago received a call last week from the company and the person she has been dealing with to be advised her last debt has been paid up and upon receipt from the last creditor of written acceptence her plan is closed and indeed has been advised not to pay any more payments as a rebate may be due. So debt free earlier than originaly quoted, she is
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