Makes you think and helps you Because when your being chased for debt you know that the company can't over step the line. Thank it makes me fell a lot more firm now.

Thank you very much later tonight I will go throw the link you sent me. Im glad these kind of companyies can't get away with this bad practice.

Type or write it? Shall I type and then sign print and date it??

Great do you have a template I could use please?

Ok now i need to write to the PDL, can you direct me into which template i can use or even better help me word it please? Total Amount Payable and APRWe are required to provide you with an example of the total amount you would pay if you were to have a credit limit of and borrow £500.00 and repay that amount, together with interest, over the period of one year by 12 equal monthly instalments, assuming there was no change to the interest rate during that period. On these assumptions the total amount payable would be £861.65 and the annual percentage rate of charge would be 199%. The actual amount you will pay under this agreement will depend on how long you take to repay the Initial transaction, the amounts you draw down under this agreement in future and how long you take to repay those drawdown's. Now i need only how to word the letter and also a template really for the breakdown. Thank you for your time.

I see what your looking for its saved on line and i have to log in to see the agreement as i don't have it in writing. Total Amount Payable and APRWe are required to provide you with an example of the total amount you would pay if you were to have a credit limit of and borrow £500.00 and repay that amount, together with interest, over the period of one year by 12 equal monthly instalments, assuming there was no change to the interest rate during that period. On these assumptions the total amount payable would be £861.65 and the annual percentage rate of charge would be 199%. The actual amount you will pay under this agreement will depend on how long you take to repay the Initial transaction, the amounts you draw down under this agreement in future and how long you take to repay those drawdown's. I do have a statement online but its not on paper and don't explain much. Ok once i can get the template and how to write it out i will post it here once i get the breakdown. Thank you once again

So what do i do now like my step by step move?? My loan was of £500 I have paid so fare £558.23 I have paid INTREST AND CHARGES OF £558.23 SO MY OUTSTANDING BALANCE IS NOW £522.80 This is the agreement when payments are missed. 8. DEFAULT AND OTHER CHARGE8.1 You will reimburse us in respect of any costs or expenses that we reasonably incur in enforcing the terms of this agreement following your default or an event described in clause 7.2 including legal costs, court fees and costs incurred in tracing you if you change your address without notifying us. 8.2. The following charges will also be payable: 8.2.1. £20 if we do not receive an amount due from you within 3 days of its due date; 8.2.2. £7 if an amount due from you has not been repaid within 7 days of it falling due; 8.2.3. £7 if an amount due from you has not been repaid within 18 days of it falling due; 8.2.4. £20 if an amount due from you has not been repaid within 40 days of it falling due; 8.2.5. £20 for each occasion when a cheque or claim for payment by direct debit is not met on first presentation; 8.2.6. £7 if we have to write to you when you miss a payment.

I am new to this so learning as i go a long,thank for letting me now and moving me to the correct forum.

Hi I’ve taken a small loan with FLM Quick of the amount £500 in approximately in May to July 2011. I at that time was in full timeemployment and had been for 9 year’s. Towards the end of February I resignedand now I am unemployed and am on JSA. Since I’ve taken this loan I’ve been charged £558.23 & that’s all INTREST& CHARGES. Some month I get INTREST & CHARGES two times within a month and even three timesa month. They are now e-mailing me and textingme They are now e-mailing me and texting me also I have a Guarantor that’s unemployedand was when I was given this loan from them. She can’t afford to pay it back soI will have to but not until I start working again. It’slike I have paid nothing off and am still at square one. 1)What can be done about this? 2)Wouldn’t you say this is unfair xxxxxxxxxx making working class peoplevictims??? 3)I don't know what next steps to take I need some ideas please if anyone hasbeen in the same situation.

I have a loan with FLM QUICK it's not much but now after 9years in a job I am unemployed. I can't afford to repay the loan and I also have a guarantor who is also unemployed and simply can't afford to pay my loan back. What can I do in this situation? Also I have been paying and the balance has no gone any where as when I've missed payment the charge is go high your back to square one. I at the moment am not in arrears I am upto date with my patents but the total is the same as it was when I took the loan out. Any suggestions please.

Yes and what about it? Can you please tell me what your trying to say? Im new and i dont get it lol

I also took a loan and had a guarantor i sometimes missed payments but then payed them back but Was Charged so much intrest that the amount I borrowed is still the same it ain't moved. Can someone help me as now I'm unemployed ad can't Afford to pay and I can't expect my guarantor to pay.its a small amount loan.

I also took a loan and had a guarantor i sometimes missed payments but then payed them back but Was Charged so much intrest that the amount I borrowed is still the same it ain't moved. Can someone help me as now I'm unemployed ad can't Afford to pay and I can't expect my guarantor to pay.its a small amount loan.

noted for forums on ATL I must say that was a great message you wrote there. Looked like to me they have made loads of mistakes with you. Which will give you the upper hand when it comes to the law. I also need advice please, just taken the course told there loads of jobs even ATL would have vacancies once i have got just 40% throw my course so I could work and train at the same time. I was also put under pressure to sign and was told it would be funded as I am unemployed after 9 years in a job. They also took money from my account as a deposit £100 but didn't have my consent as I was meant to phone them to make this payment. He also kept ringing my mobile and landline which was very disturbing for my family member and they felt very harrased. He phone me about 5 times on my mobile and about 10 on my landline till I took the cord out. I've posted the letter to ATL/Train4tradeskills IN Luton to cancel my contract. I'm sure it's with in 7 days, but I wanted to ask is it 7 working days, does saturday & Sunday also count as 7 days notice or just Momday to Friday. I was miss sold the course as I only wanted plumer and he pressured me into a renewal course which cost £6000. He phoned Barclays but then said they are not willing to give me the loan but CDF Finance have agreed to pay for me. I didn't now it was a loan which I can't afford to pay even if I did take the course. So I sent the cancelation letter under the CONSUMERS HOME OR PLACE OF WORK ETC REGULATIONS 2008. I was harassed,pressured into buying a course I didn't want at all. I said I can't afford that sort of money to him, he then said " what do you want to do all your life suck on a low wage,dead end job no money unemployed sometimes you have to take a risk and you should take this course as there a very little Places and if you don't well it will go to someone else in affrad.* That's what you call pressure to buy to sign and that what I felt. Can some one please help me with the next step please my next steps will be to* 1) phone my bank and cancel my standing order of £160pm but don't now what to say to them. 2) phone CDF Finance. But how can I put it to them???? 3) I'm not sure what my 3rd move will be can any one help please????. Thank for reading.