hi again johnnymitch,i will report them to ministry of justice as you have suggested,i think your right and would be a good move. i have just got of the phone with debt collectors, i am ........................ fumiing!. surely they dont have the legal right to withold a cheque that is in my name,what do you think? in fact i am going to call firstplus myself and see whether they will issue me! with another cheque. I HATE THESE PEOPLE

hi eveyone , just a quick update on my situation, i sent a letter to claims financial explaining that i thought the amount they were charging me was unfair and that i could not pay it,and that i feel i have been miss- lead. 30 text messages and 15 answerphone messages chasing up my bill later,i finally received a response saying they have got my letter and will respond in no more than 28 days. since then i have received several more phone calls and texts from them still wanting payment,and to top it of i am now getting calls and letters from a debt collection unit called bowden godoseth,they have given me 7 days to pay the bill or a further £150+vat will be added to the bill. NOW I AM REALLY ****ED OFF. DO THESE PEOPLE NOT COMMUNICATE. i have now decided that no matter what i am not going to pay this bill,after taking advise from people i have realised that because of my finacial situation i am willing to go to court as i have nothing to lose. worse case for me is court finds in c/f favour and i end up paying it back at maybe £5 a week. worse case for them is court finds they are ripping me off and i pay nothing,and then i will spread this info all over the internet so that anyone who has been charged the same can then go after them. but i would still be grateful for any more advise. THANKS ALL.

hi everyone, i dont know if anyone can help me but i have used claims financial to reclaim a ppi sold to me by firstplus,(mistake). i have received a letter saying they have won my case after it was referred to the fso,i have a total refund of £9129. after talking to a reprosentative from claims financial via telephone it seems they are in receipt of a cheque in my name for £2200 witch is the amount of payments i have currently made to date. the rest has been took of my loan. claims financial are trying to charge me 25% of all future payments that obviously will not be made now. please tell me if im wrong but it seems to me that the refund is actually £2200 and they should have 25% of that. they aren trying to charge me £2621 which is more than they have got me back,they say they have saved me money because my loan payments have dropped slightley because the ppi has been cancelled.(i could of cancelled it myself with one letter,) i am in a poor financial position at the moment like alot of people due to lack of work and only made this claim as i was led to beleive that i could get some extra cash and would not of bothered if i had of known this could happen, non of this has ever been made clear to me ,although i am sure it will be in the fantastic small print.i am in no position to pay this bill and nor due i want to as i feel i have been miss-led. SOMEBODY PLEASE HELP!