thank you how would i word the letter to them? thank you

ok no pay, we rang them and he got someone will call you back, he got asked what had happened as to why he left and then he said the person who interviewed him will ring him back, we not had a call back was told by a GMB member to tell them to pay and if not add interest for each day it not paid any ideas as to what we can do now??

my car valued at 3k and they offered £350 i laughed and now they wont leave us alone so told them if i get one more call or email im taking it further as i said no and to take us of the system

thank you will let you know in morning i just got a hut feeling they wont pay him, had this happen 3 years ago and when took it further ended getting nothing as the company had not been paying taxes so were we out of pocket for one months wage and then they tried to get us for uniform costs which did't happen as the court threw it out,

My partner did 3days work with a firm that promised him full time permanent job, but they used him!! for 3 days work so i contacted the firm and asked when his pay date would be. they told us 7th april (tomorrow) im dreading they are not paying him even thoe he got a new job and they pay same date we still owed 153 from this firm and it a lot of money to us be grateful to know what i can to if he not paid ?

also what is SAR it noy showing me what it means?

i have asked for the claim form over a week ago, but they had my old address? but got debt letters to new address?? she took new address but nothing also everything has been cancelled was ment to be back in may 07 but app lost everything that was sent to cancel i even remember the blokes name who i dealt with to sort it all! this is stoppin us getting credit for a car we need

Hi, i got a loan from Welcome Finance back in December 2005, for 1500 they put medical insurance on and payment protection insurance. at the time i had a 7 month old baby and was working part time 16 hours a week, In Feb 06 my hours were changed to 12 hours and i had to take alot of time of because my son was ill and had no one to look after him, in April i decided to become a full time mum. I told this to welcome and got no response. In the end i went to CAB and got help they told me to stop paying welcome the £27 a week i was paying and cancel all the medical insurance of which i did but they continued to charge, she then told me why i havent claimed on my ppi i told her i didnt think to. We then tried to but got told that because i gave up my job and that i worked less then 16 hours a week not entiteld to it but yet i was still paying it In the end they got 20 a month but this stopped as they refused to cancel the policy so what i paid a month didn't even cover and it was just mounting up as they refused to freeze interest, the last i herd from them was in 2007. The other week i got a letter of McKenzie Hall saying i owe £2574.55 they sent the original contract i signed over (i cant upload it as i don't have a scanner or anything like it) but it reads = total amount of credit= 2103.18 amount of credit for insurance =603.18 amount of cash in advanced =1500.00 duration =36months amount of monthly payments 107.35 (to be paid one month after the date of agreement and then on the same date every month other financial information medicare 24 =50.00 optional payment protection insurance -553.18 total cash price = 603.18 total charge fro credit =1761.41 acceptance fee = 75.00 interest charge = 1686.41 rate of interest =51.1% variable by giving you 14 days notice i started paying the loan one week after singing it, and i have only just notice the interest is variable, i thought they had gone into administration but was informed by McKenzie hall they had been brought over by another company, I spoke to FSA as they have ongoing cases with them and was told to claim back the ppi and the medicare 24, now i get letters say pay it all now!! no change i offered them 1pcm as my partner has only just returned to work and we have 4 children and other debts that are more important eg rent . I also checked my credit report and welcome updated to saying i owe over £5500!!! but i have a letter saying i only owe £2574.55! no idea what to do!

hi sos no replied i stuck to mu guns and paid what i could, and they sent it to a another sister company of theres who agreed with our offer of payment and funny enough the amount owed dropped by over £1000 i cant wait to get rid of them been nothin of trouble i went in to early labour due to the stress they caused

I tried to claim october 09 for hardship from natwest, but my bank said yes i was in hardship but refuse to refund me any money as i have had the account for so many years that i knew about the charges and that they are perfectly legal and gave me nothing to appeal against the decsion. I opened the account when i was 10 yrs old and they said when i opened the account they told me about the charges that was 15 yrs ago! I dont know if i can try again

ive been cab, n they dont have a clue ive been court n got a time order, they only offered us one payment plan then had me threaten by a debt collector of whom i had to get police involved as i was heavily pregnant at time

Hi, i posted on here a while ago. In may 08 we took a HP on a car and in feb 10 missed our 1st every payment due to being made redunant we made arragement to pay and continued to pay but some weeks were missed due to finical situation, a few months back when i was heavily pregant they made a debt collections person ring me on a wensday at 8.30pm, i refused to speak to the girl on the phone so a bloke then rang me and said look lets us round to dicuss the car or im collecting it now!, i called the police after a heated row on the phone to the *** (sorry still upset at how he was with me). the next day we went CAB and discussed it with them we asked for a time order to be put in place as we make the monthly payments but they want an extra £12 a week to cover arrears (which are now at £250) but they add £15 per month for default notices i understand these are part of the contract. I was told that they would not apply these on top, but i missed two weeks payments of £45 recently due to havein problems and needing the money for my heating. we recieved a letter of termation but after speaking to them today if i pay £90 today and £45 on thurs he will not termenate and will carry on the £45 a week payment. this is alot for us at the moment. We just want a time order in place till we are in a better financal situation, i never not refused to pay them and some weeks they asked for more money just the other week he asked for £50 and i said no but yet he took £52 of us and the £2 was apprently a debit card fee but on the receipt sent to us it was not it came of the balance owed! he has done this twice and CAB just tell us to hand the car back (we live in a area were buses and trains are a good 40 mins away and no local shops) and also told us to declare bankrupt all our other bills are up to date and paid and are ok and have even reduced them for us for the winter and froze interest but yet CAB still say declare bankrupt it would be easy (to them yes but to us no) we are tryin to save to pay for a licence to get back to work as had job offers but need a certain licence for the job, but we cant afford to save for it as we are paying out on this way to much. can we get a time order to get them to stop the threats and contuine monthly payments with just an extra 10 per month on top this would clear arrears and would not need to extend the HP agreement i have worked everything out but yet they wont listen to us they just want it all now now now! please help guys be very much appraciated ( i am sorry for my spelling i am rubbish at it)

police came out just took notes, about what happened got a letter thru post to say crime number Got told someone should have fingerprinted car but no one did n cant now as new plates on n ive cleaned car. when took my son to school nxt day found a set of plates to a black astra so i called police and was told to take to nearest station, i said cant as no plates on my car and im heavily pregnant so told me to go when could! On sunday got a call from a constable who told me he would be dealing with case when told him about plates i found he asked why i hadnt reported it i explained that i had but no one came to get them n no statement was taken he was not happy, i asked if my car plates had been used he said yes on petrol theft (which hadnt shocked me) i asked if it was a black astra he said no but a sliver nissan!!! I own a black 04 vectra so couldnt stop laughin about it. He comein round area i live to ask if any1 saw anythin n to question neighbours as they have cctv on our car so were hopein we get sumwere with that. Also ive contacted dvla and they will give us new reg number but how do i explain to insurance company about change as i not reported plates stolen to them as not claimin on insurance as not worth it? Sorry it all written prop im doin this on my mobile

just a rant, in floods of tears me and my partner just found our lience plates stolen of our car. Reported to police but gutted that some worthless ****es decided to do this, im heavily pregnant too so cant take risk of driving car because we will get pulled so heartbroken

hiya, thanks for helpin in this. OK ! i rang trading standards this morning got put thru to comsumer direct. I explained about towerhall solutions she said we will go into later, i explained about close motor and what was happening she then asked me if i had rang and discussed it with them, i said no as i wanted it all in writing she said then send a recorded letter saying that you can only afford £10 per week and enclose a I & E form, i said i was going to the CAB to get help with this, she then said there was no need as all they needed to know was how much. I then askd about towerhall solutions and she said it will be ok if you keep up with payments. Got a ref number of them incase of problems ! Then went the CAB over it and she was very nice, but when she looked into it she said lets ring them see what going on so did, while we were there she asked what would be the minimum payment thet would except he said £45 a week to pay the £137.97 and the rest to go on the arrears, she said if they couldnt what then, he said we could give the car back and pay nothing, if not they send a termention of contract and if no success they will send a debt collection company she then said it had already got to that stage and he didt reply, she then said what then! and he didnt say anythin she then said would you get a court order he replyed yes. She spoke to us sayin that we would have to pay the £45 per week because if they go to court they will win as we not keeping up with the agreed contract! i was shocked by this and asked why she said a judge would say you can not afford the car and take it off you even thoe i made clear i was making regular payments and it was only till my partner back in work. But she said they will get the car back if dont keep up with the weekly payments! She then suggested we declare bankruptcy but i said no as it would mean us loseing everythin and that all the other creditors agreeded to the pcm payments, but these wouldnt she then said it would wipe all your other debts off thoe! i couldnt care about that as we are paying them we got them and we pay them back we can afford to pay them, they not a problem and this was the only one! She then rang close motor and said they will pay £45 a week towards it, and that if we miss one payment they will go to court and get an order out to get the car back and would win! I also asked about the default notices and she asked him and he said we get charge £15 everytime one get sent as they automated and said if we keep up with payments in 5-6 months he will look at the account and may !!! refund the charges ! tho i say may i doubt this very much ! really not happy as now we got to pay the £45 a week, thoe i asked on several occasions about a court time order she then said she dosent knw about them and that we would prob not get one as we can not afford the agree monthly payments. If towerhall solutions call again i will just be rejecting the calls and not anwersing the door, the police were more helpful the cab theo!! think i need to calm down and chill but this is just so stressful as they wont listen to a word we saying

just had towerhall solutions ring me at 8.40pm to come round and discuss it said no as it late and gettin children to bed, they said so what. I hung up, i know rude but really didnt have energy to argue. Then 10mins later her male company partner rang said i was rude and he wants to reposse car, told him cant without court order as i have paid more then a third of agreement, he said i havent then i told him i had and had proof he told me i can not afford car so he wants it, told him ive made payments and it is all to be put in writing, he said no we going to court and we will win, he then says give me the car and it wont go to court or let us round now to discus. At this point i was ancry n upset told him no n stop the big bad baliff boy act! Told him again payments have been made and will continue to b made i then asked again for it all to be in writin n hung up again. After this i rang police who were brill, told me if they came round to ring them also told me to go trading standards as not actin in the right manner im at cab in mornim hopein solictor can do sumthin to help, got very upset at the blokes manner from towerhall thing is closemotor havent even wrote to us just got them invovled with out us knowin

cab dont listen just get told to get on with it, even a manager says same we went mp who has asked us to write to the minister of employement which we have done and now know they have recived it as a young girl rang and aske why we wrote to him and what we want from them? We told them just to fund the badge with out wastein money we asked what are the requirement for adf she would not say and i quote i am not prepared to go thru this on this telephone call a letter will be sent out. So far we not got the reply just waitin for it

thank you, we are goin to continue on the £10 per week payments

thanks for reply, he been told he would be considered for 3 jobs and had letters' and emails to prove this but they dont care. here is what was said last time we went. the advisor " we are sending you on a 4 week course to get your SIA Badge" us, "Ok can we ask why a course when all that needs doing is renew the badge?" the advisor goes and makes a call then comes back and says " when your badge expires you need to resit the course" we then show eveidence of the SIA to prove otherwise. The advisor books a date with the firm for a interview to get on the course. We ring the company the adivsor sending us to over deatils and location of them to get there easier, We ask them if they could just fund for teh badge as it easier then the course and saves money, They then said no you must sit the 8 weeks course with us, so we explained the advisor said it was 4 weeks, they reply saying no it has always been 8 weeks and the job centre know this, We inform them unable to do the 8 weeks as i am due to give birth in 6 weeks so wouldnt be able to attend. the company said they wouldn't take us on the course due to this commitment. We go back the job centre and tell them what has happened and to access there ADF funding as it would be cheaper then the courses and could have the badge in 4 weeks and get back to work soon after the baby born. A manger comes over with a bunch of security guards and says we do not access the ADF fund as the council are happy to pay for the courses, I then state it not council paying for them it is the TAX PAYER paying for them and im sure they would be happy to know your ok to waste up to £1000 for a course that is not needed, they reply saying that it ok to as the ADF will not be accessed for the renewal of the badge even thoe jobs been offered as the courses will pay. WE have been informed by all the places that sit the course you can sit the course it between 2 to 8 weeks then be waiting up to 8 weeks to get a cheaque to pay for the badge which already takes 4-6weeks to process. I have gone further with this in the sense of going to our MP and then he has gone to the Minister of employement and just the other day we got a call from the Job centre asking what we wrote to them for and what it is we wanted the jobcentre to do, we just said to renew the badge with out wasteing our time and the taxpayers money. We have now been taken of JSA and put on to income support as we expecting we are not happy about this as now we deffo know it will be harder to get the badge renewed, we now lookin at loans to do this, also we have been told by several advisor to claim ESA as one of us has a skin diease we said no we can still work this will not stop us it just means that we can not go for all kinds of jobs due to it, WE STILL WILL NOT CLAIM THIS!! . all we want is to be back in work as since becomein unemployed we have lost everything!. and to top it all off working in Security and getting the SIA badge is not one of our Job goals they not even looking at them when we went to sign on!!!

paid them the 10 as all we could afford this week, got a call out card sent in post askin us to ring them can just about read the writing, then on same day as recveing this card, a man comes round to ask what goin on so i explained and told them everythin must now b put in writing to us he agreeded it should be, but then told us to vountery give up the car, but then he said we know you need it, he said he will go bck to hid manager and tell him. I have written a letter showing our incomes and outgoings and a letter to explain that when we in a better poistion will pay more, also explained to them im due to give birth in 6weeks they dont seem bothered about the this, although we know the debt is there we not refusein to pay it we just askin more time to do so, i can prove i have made constant payments to them and will continue to

after reading th documents i think you could be right that there no funding, as we have asked to access it on 3 occassions, but wont the advisor changes the subject it annoyin but what have they spent it on then???

Hi guys, Im just wondering what is the ADF fnding used for, as i just need to renew a sia badge but can not afford to but my advisor wont access ADF any ideas why? . I have been told by all employment agencies that i can not do a course with them as i do not need employiablty skills and the course as i just need the badge renewing, i have been told by several employers that would consider me for security roles but can not as i do not have a badge, also been told if get offered a job they would, but a security firm can not hire me with out one as they breaking the law. I have been unemployed now for nearly a year and tried every way to get this badge renewed, but no luck i am new deal. me and my family are savein for the badge but it is not cheap to do at the moment.

hi went CAB they said not much can be done because it is, on Hire Purchase. They have told us we can see a solcitor to try and arrange other finical stuff but this is the biggest one we have, We were told by the Job centre to give up the car because it costing too much. I have done a finical statement and worked out that i pay £156.62 pcm to them at the moment and this is the biggest bill we have, I explained to the CAB that we have paid over one third of the agreement and that all we wanted was the amount to be reduced to £10 a week a much more better figure, she then told us that paying one third dose not matter because if they take it court the judge is mst likely to give it to them as we not keeping up with contract payments. I have been paying the £35 a week then stoppped due to benefits stopping and then paid £10 and going to be paying £10 per week, but im now worried they will go further to try and take car of us, we have told them that this is until our circumstances get better, but they won't listen. What is a Time order? will this be able to help us? THANK YOU FOR YOUR HELP

true, but with our car, when we got it the handbrake was one of the recalls, and the suspension was knockin so we took it to a vauxhall garage (and we have not had our car from new) they did the handbrake n the suspension n gave us a half price full service for the trouble. We knw the new insiginas have loads of problems but what car is perfect! If the car is looked after well, then you will get your moneys worth, our only problem is the clip on the bottom of te exhaust keeps brakeing due to a desgin fault but it cheap to repair, we use a garage that is part of the 'good garage scheme'. Thoe vauxhall are not, but they are always more expensive so the garage we use only uses vauxhall parts so we know it good!

me and my partner own a vectra 04plate sxi and love her to bits, is running and looked after very well. My partner is a massive vauxhall fan along with my 5 and 3 year old children, we have models of the cars and old history of the cars too. I recomended vauxhall to my family and my dad got the corsa and loves it loads that he lookin at gettin my mum one.