Dear coledog When I took the loan out with Capital One the details that were given were when I banked with Barclays. This loan has been in dispute sinch March and not once did they take any money from this account. I now have set up a new account with a different bank of which they havent got the details so how have they got the details. I have rung Lloyds who have told me it is not fraud I havent given them these details so how isnt it ? They have also told me that even if I change my account they could access it again so in other words next month I willl probably get my account wiped out.

Dear s4ddys This company have just taken £75 out of my account I have only had this account for 3 weeks so how the hell have they got my details. I think if I have had more funds in the account they would have took the lot I will be complaining to the bank dont know what they can do but its worth a try.

Dear s4ddys I have already paid minicredit over £200 pound already. The loan went from a £100 to over £500 in the space of four weeks. Fredericksons said they could reduce it from £700 to £500 of which i told them to do one. Not heard anything since

Dear kh41 I have had letters from these as well. They are demanding £720 on a 100 loan of which I only recieved £80. I have paid over £200 already and told fredericksons they can take me to court as I am not paying another penny as yet not recieved a reply.

Dear In-TroubleI am now getting several letters from Daniel Silverman.The latest one states that they can not accept my offer as I am refusing to pay the £709 that my account now stands at. I have told them I will only pay one month loan plus interest several times but they have refused any offers. I recieved an email yesterday stating they are going to send me a breakdown of the charges on my account which I have told them I will glady accept and wait for court papers. According to the site they never take anyone to court so my account balance could be in the thousands by the end of the year.

Dear In-TroubleI took a £200 loan from these sharks and my amount is now £720 I have emailed them so many times for a repayment plan and they have totally ignored me. I recieved a threatning email & letter from Daniel Silverman's and told them I will not be paying £720 and that I wil only pay one month's loan and interest as yet I have had no reply just worried that I may be the one they send to court.Hve I to just stick to my guns.

Dear sillygirl1 Dont know if you have had a breakdown of charges like this from them. Recieved an email from them on the 23.12.2010 stating that they charge £1 a day overdue penalties which added up to £66 then they said my debit card had been recorded in the system for court presentation and attempt fees which have added up to £261 and then a debt recovery fee of £100. I sent them an email on the 22.2.2011 telling them I would only be paying the amount plus one month's interest they asked if i could immediately when i emailed them back and told them it would be the 25th they refused to accept it. I then emailed them again on the 18.3.2011 telling them i would only communicate with them in writing and not to send any doorstep collectors to my home. Nobody has been to my home what a suprise since then i have heard nothing apart from the letter last week stating if I dont pay £360 by the 22nd April they will start legal action bring it on.

ALI2021 Is there a telephone you can ring them on all you get on there letteres is an email address which when you send them emails they ignore. I am not really bothered about going to court Delboy01 has been waiting since January for a court date. They actually agreed to the amount that i have paid but then went backward on it because i couldnt pay it on the day they said it was actually the day after never dealt with a company like it.

Dear Delboy01 I have looked on my account and according to that I still owe £360. I have recieved a further letter from them this week stating that if I dont settle the account by the 22nd April they will start legal action. I keep emailing them and telling them to send me the papers but they dont reply to my emails. What would you do just ignore the letters?

Dear ALI2021 Last response from them was doorstep collectors calling to my home nobody has been. I dont really want to go to court but how can they justify adding nearly £400 in the space of four weeks on a £100 loan. Do you know what there interest is as I think I have paid them £165 at present.

Dear ALI2021 I stupidly took a pay day loan out with these horrible people. The loan was for £100 I told them that I couldnt afford to pay them as my partner had been laid off due to the weather at the beginning of the year. In the space of four weeks it had gone up to over £500. I have paid them £200 already keep getting threatening letters telling me doorstep colectors will be attending as yet no one has turned up I have emailed them several times and told them to send me court papers and I will be happy to tell the Judge how my loan went from £100 to £500 in the space of four weeks.

Hi stephen25000 We had a judge that was pushing 70 who basically said that we were in neg equity and my partner was still self emplyed and that he may lose his job again. He then as I was walking out of the door upset as you can imagine told me I could appeal the decision I felt like telling him to foxtrot oscar i wish I had gone on to this forum earlier may have got the help I needed sooner rather than later. Have they been chasing you for any shortfall we havent heard anything from them since the eviction our house was sold last October.

We were repossessed by this **** last August same scenario in arrears most of it charges then wanting a lump sum when knew we had no chance of paying it. Wish I had done a lot more but never been through this before should of got more advice and hit them where it hurts too late now .

Hi Stefaniex Be very careful with these people my partner and I were evicted by this **** in August and we didnt have half the arrears you have. They did the same with us put loads of charges on the account. Asked us to pay ridiculous amounts back to them even though they knew we couldnt afford it. They even rang us on the date of the eviction asking us to make an offer the amount they wanted was unbelievable. Our home has now been sold for £27000 less than what we paid for it. If you get a good judge then your fine unfortunately we didnt he was on there side. They will try to repossess you at any cost. Good luck you will need it.

Hi sillygirl My partner and I have been getting text messages from these people I was a bit worried at first with it saying solicitors. Our home was repossessed in August so we owe these people £23.000 which has now become unsecured. We put a claim in to them for missold PPI which they made an offer of £3000. They then had the cheek to say they would pay £1000 towards the arrears and keep the £2000 and pay that towards the £23000 we owe. Needless to say it is now in the hands of the FSA.

Can anyone please help we were repossessed by Capstone in August of this year to make the mortgage to a 100% one we had to get a secured loan with Welcome. Our house has been sold for £66,000 which is £26,500 less than what we paid for it. We have now been contacted by Irwin Mitchell solicitors who they say are acting for Welcome and we owe them £23,000 and are saying that we have to start paying the contractual payment again and if we dont they will take us to court and baillifs will come round. If we start paying this again we will be in the same boat again as no doubt when Capstone sell the house they will be on our case demanding us to pay them as well this is why we were repossessed because of the high payments we just cant afford it we are so fed up it just seems never ending.

Just thought I would have a rant on this site about this company. My partner and I were repossessed at the beginning of August the mortgage company was Capstone and we also had to get a secured loan from Welcome to make the mortgage a 100% one. This was in 2005. In 2007 we got a top up loan with Welcome on which they misold us PPI. I put a a claim in a company were acting on our behalf. Since March Welcome have denied all knowledge of them misselling us PPI. I now have been told by the company acting on our behalf that they have now accepted that they misold us it the amount was £3,000 but we wont see a penny of it as they have taking it off the sum we owe which is £23,000. I just feel cheated. They mis-sell you the insurance and put you in debt and you still cant get the money Im fuming

Can anyone please help me. Our home was repossessed by Capstone at the beginning of August. When we got the mortgage we had to get a secured loan with the mortgage to make it 100% as we had no savings. The loan was from Welcome Finance another company of sharks. We have now found out that the house is going to be sold for 66,000 which is 26,500 less than what we paid for it . We also recieved a telephone call from a solicitor yesterday who says they are acting for Welcome and that we owe them 23,000 so in total we owe 49,500 and the house is been sold for 66,000. Do you think the only route we can go down is bankruptcy.

Hi Purplepatch Ive had the same email. They sent me an email which I had to reply to within 10 days which I did but in the meantime they had referred me to a debt collection agency. I have since had an email back saying that I can pay £56 for three months and that will be it I am keeping the email just in case its better than £500 that I owed.

Dear Stefaniex I would get advice as soon as possible my partner and I have just been repossessed by these b------rds. They will go to any lengths to do this our arrears were £6000 we went to court two years ago and had an agreement to pay the contractual payment plus £200 off the arrears. After the two years were up we still owed the same amount and they then added more charges on. We then were took back to court and had a Judge that was from the dinosaur era who said that because my partner was self employed and we were in negative equity that he wouldnt accept the application. So we were out on our ear had to move within a week. So although they are a lot of happy endings on here there are also unhappy ones dont bury your head in the sand.

Dear Clutching at Straws I am glad you were one of the lucky ones we were evicted by this **** yesterday wish we had the same Judge as you and not the one we got who was obviously paid by this shower of sh..te. Good luck for the future.

Dear Clutching at Straws I am glad you were one of the lucky ones we were evicted by this **** yesterday wish we had the same Judge as you and not the one we got who was obviously paid by this shower of sh..te. Good luck for the future.

Hi Everyone Well just to let you know Capstone have rung me and my partner this am the date we are been evicted asking us to make a proposal to stop the eviction . My partner really give him what for and then he rang me. Told him that we would pay what was on the order and he said it wasnt enough. When I said that they were always going to breech us as they were going off the old order that was done in April and not the revised order that was done in June. If he had been in front of me and my partner he would of been decked after that he cut me off and I couldnt use my mobile for ages as it was locked. What they dont understand because they are total b------ds is that we have had a week to move out our property we have nowhere to live and its been a nightmare trying to find places to put our furniture whilst we have both been at work. They then have the cheek to ring us on the day of the eviction and ask us to make a proposal when they have no intentions to accept anything you offer. I really do hope that this **** get whats owing to them. We are never ever going to be rid of them this lifetime. We never got anything in writing from the court either about the hearing on the 30th July.

Thank you both of you for your kind comments. I sat in the council office yesterday for three hours to be told they couldnt help us and it would probably take two years to get council property. They wont be able to put us on there lending scheme as they prefer people who are on benefits unbelievable. We are now trying the private sector but are having no luck. I would like to appeal the decision but my partner says not to bother I am so angry at the moment. Looks like we might be selling the big issue next week. Thanks again

Well everyone on the forum I went to court on Friday and me and my partner were evicted. The reasons the Judge gave was that we were in negative equity and that my partner worked in the construction industry and may lose his job again. We have a week and two days to find somewhere. The council cant help and we dont think we will be able to private let from an estate agents as we have been repossessed. Capstone just sat there and agreed with everything the judge said. We wouldnt of been in negative equity if Capstone hadnt added numerous charges to our account every month then we would of paid most of the arrears off. We were devastated on Friday but now I am just angry. So just to let other people know who are with this terrible mortgage company that they do win I just hope the Judge can sleep on a night but he will as he will have his seven bedroom house to go home to.