No PPI, yes have paperwork at top it states "pre-contract agreement"

Hi, Can anyone help me with a secured loan in regards to Welcome Finance - we took out a £15,000 loan over 10 years, we currently have 5 years left - however the balance isn't coming down and currently stands at £14,900, considering we have another 5 years left the monthly payment's will not cover the amount outstanding, they kept calling back last year to increase our payments to help 'clear' the account. Based on paying as we are at the end of the remainign 5 years only £12,000 will be paid off? Any help would be appreicated as I think the secured loan has been miscalculated? Cheers

Does anyone have a standard letter template to write to these guys? I wouldn't even know where to start! Thanks

Hi, Can someone help - I've just checked my credit report and there are 2 defaults from Mackenzie Hall for the same amount £324 and defaulted on the same date, its entry number C22 & C23 - they both showing as defaulted on the 22/07/2009 - is the an error, I mean this has obviously effected my credit as one default should have been there but not 2 surely? One of them is showing as default - satisified and the other as default - £324 outstanding but their both the same account! Thanks,

It was rolled over once - but still I don't know where the £324 would come from as even if it is rolled over its goes in multiples of £25 doesn't it?

I have attached the document again - how would i work out the original loan plus one months interest - I have no objection to paying (I took this out and the responsibility lies on me, however they are damn right rude and offensive to speak to!) Anyone have any letters I could send to them - I can't afford much is £7 per month ok do you think - I have £324 outstanding Thanks

I have attached the document again - how would i work out the original loan plus one months interest - I have no objection to paying (I took this out and the responsibility lies on me, however they are damn right rude and offensive to speak to!) Anyone have any letters I could send to them - I can't afford much is £7 per month ok do you think - I have £324 outstanding Thanks Loan Contract1.doc

Hi - new to this so was wondering if anyone could help me? I took out a quickquid loan back last year, unfortunately due to circumstances was unable to pay, so they referred to Mackenzie Hall who were really horrible to deal with and spoke to me like I was 2! I requested the CCA off them which they didn't provide and thus didn't hear anything from them, but now they have referred it to JB Debt Reocvery who are just as bad! :sad:I requested the CCA from them and they provided me with the following (I have attached this) - could someone tell me if this is actually enforceable and how to deal with these abnoxious crooks? (They also say I signed the agreement at 6:24AM - no way would I be up at this time!) Thanks Loan Contract.doc