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happyalf

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About happyalf

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  1. UPDATE I am Finally FREE from Restons and Hfc for good,The Attachment has ENDED i no longer have to worry. My hours at work have dropped and there have even been Redundancies but i now feel as if i have had a PayRise of £139.52 a Month. How i have long for this Day i never again want Loans or Finance i have Learnt how People are Treated. When will there be Help for Genuine struggling People, Thats all that is needed HELP not Hassle and Pressure. My new outlook is Save for what i want pay Cash No more Banks or Loan Companies. I dont hate the People who took me to court,They were only doing their Job i would say get a Job which Improves Life. Goodbye Restons
  2. Hi thank you yes i do have the paperwork am i right in thinking that the amount to claim is everything that comes under, " Additional Optional Non Cancellable Insurances" Also the Interest in this Section. I have not been able to find anybody who has Won with DAF there must be lots . Thank you again Regards Happyalf.........
  3. Thank you for your reply i intend to do this,I am reading the Stickies as advised. So would anybody say it would be better to wait until i have made my last payment March or just go for it Now. Hope to keep posting and also hope others will join me on this i can't be the Only person that was Sold the PPI. So if anybody who has already done it please join in here so we can share info. Looking forward to this Thanks everybody.........
  4. I am coming to the end of my contract with Direct Auto Finance, I bought a Car from yes Car Credit in 2004 and now have 3 final payments to them so the end of March is my ast Payment. I missed 1 payment through the whole process and suffered for that with charges and endless telephone hassle. I was not told that the PPI was optional and that i had to have the PPI to sec ure the Car. I have been paying #150.47 a month over 42 months. Has anybody had success claiming back the PPI,Do i wait until have made my final Payment or do i just go ahead now. What is the Process i should start with. Any advice would be very helpful ths money would pretty much clear my outstanding Debt. Mnay thanks Happyalf
  5. I am coming to the end of my contract with Direct Auto Finance, I bought a Car from yes Car Credit in 2004 and now have 3 final payments to them so the end of March is my ast Payment. I missed 1 payment through the whole process and suffered for that with charges and endless telephone hassle. I was not told that the PPI was optional and that i had to have the PPI to sec ure the Car. I have been paying #150.47 a month over 42 months. Has anybody had success claiming back the PPI,Do i wait until have made my final Payment or do i just go ahead now. What is the Process i should start with. Any advice would be very helpful ths money would pretty much clear my outstanding Debt. Mnay thanks Happyalf:)
  6. I have a similar problem with both these companies although when i last spoke to orange nearly 2 months ago they told me it had been written off and would not be chasing me for the balance of less than £80 today i have a letter stating they are acting on the behalf of orange and are threatening court action can they do this. Does the cca apply here or is there something i can do as orange have written this debt off. Please help Alan:confused:
  7. Hello everybody i had trouble with Orange a phone bill,They sent everything to a collection agency even sent somebody from scotcall which i believe is illegal. I was paying through the cccs and one day decided to contact orange for and upto date balance,They told me it had be written off and would not chase me for the balance. I now two months or so later have 2 letters from moorcroft the usual threats been here a few times. Just wondering what to do with the cca are there any forms on here not sure what to do with them as far as orange are concerned they do not want to chase me up so these people at moorcroft are not either. I started out £22000 debt 10 years ago and done my best clearing it now down to less than £5000. Can anybody advise any help whats more sad i have been paying westcot for years a few thousand by now wish i new more back then. Please can anybody help. Thanks Alan:confused:
  8. Hello i had the same sort of problem with the exact 2 same companies extra charges from Restons a CCJ &to top it offan Attachment Of Earnings. I told them that iwas forming a plan with the CCCS they didn''nt care. So i know how you feel i will be trying myself to find out what can be done if i get any details i will certainly let you know. Regards Alan
  9. Hello everybody long time since posting i have been in a DMP for about 7 months now with the CCCS. My Bank Account is also now with them,Things are starting to clear life becoming easy. Since had a CCJ and Attachment of earnings which is clearing one of my biggest Debts Fast only another 18 months and that will be History. Would be sooner if not for the Solicitors charges adding about £800 for Collection. But thats life i guess, What i would like help with is this!!!!!!!!!!!! If the amount i owe my Bank is less than they owe me and with me beening in a DMP can i start chasing for my charges whilst keeping up payments through the CCCS. Also the Calculator on this site do i put the date of my earliest Charge and each and every other one by one? This would take a large chunk from what i owe,Any advice or Help would be Great. Really can't wait to be Debt FREE it will be a relief 8 years over due. Many Thanks Alan:)
  10. Hello i sent for DPA and got copies of statements on the very last of the 40 day period,Before this the Bank sent me a letter stating they are going to close my account and want me to repay my overdraft they also added interest plus they say they will take me to court if need be to make me repay what i owe. I have started a plan with the cccs and the bank is in the plan. Can anybody tell me what i should be adding up from my statements i have added the Unpaid DD there are Returned Cheques Fees also Refferal Fees do i cliam all of these. I have been Trapped in my Overdraft for some Years and in Debt of around £9000 which is in a plan with the cccs £1050 of this is my overdraft. My dd Charges alone are £902 then there is the Refferal Fees and Cheque Fees on top of this if i can cliam these also so this money will be a great help to clear Debts. Any help and Advice will be a great help. Regards Alan
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