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Emmalgolby

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  1. Sorry I thought I'd converted it I'll do it on the laptop tried it on my phone
  2. Can you advise me how to upload it here please I'm doing something wrong thanks
  3. I did post the agreement but can't see it now can u confirm if you can see it thank u
  4. What the insurance have offered is 1780 and the settlement figure they have is 2450 so I'll be left without anything and owing money
  5. Thanks but I think that's missing the point how can the settlement figure double in a month when the finance company think the insurance is just going to cover whatever they say? I have a document that states the calculations and figure at 1241 and a month later they are asking for 2450? Due to a system error? that's the case why wasn't I informed of the error surely they can't do this?
  6. Yes I have the original agreement will get on with the sar first thing many thanks
  7. Yes I have the original agreement will get on with the sar first thing many thanks
  8. Thank u how will this help me? I've tried using the calculators but they say the interest is to high to calculate, do I have grounds to argue these figures being different? I did ask if they had made a mistake with the first settlement they sent me why was I not informed but they fob me off and I don't know my rights so I end up giving up should I?
  9. Sorry for being uneducated in these matters what and how is a sar? Apologies again
  10. I'm really hoping for some advice I've no idea where I stand it's also complicated, I took out car finance with credit 4 cars in May last year (I have poor credit) got the car never missed payments, in October we were thinking about trading the car in for newer model, I phoned credit4 cars they said I would receive early settlement figue by post, I did the calculations were all listed and the figure was 1241, we decided we were not going to trade our car in we were going to keep it, on the 1st November whilst travelling to visit family we were stationary in traffic and some one drove into the back of us writing the car off! The insurance company requested a settlement figure from credit 4 cars and they gave a figure of 2450!, when I enquired about the difference in the figures credit 4 cars told me that the first figure was wrong due to a system error and she wouldn't lie to me as she had a mortgage to pay can they do this? Any advice would be gratefully received many thanks in advance
  11. Hi I've kind of got the idea now of what i need to do, but can anyone help on how to put it all together, what do I do with n244 and all the other bits? I'm so confused who do I give what to? Any advise really grateful
  12. Hi can anyone advise me I have paid the 390, and have letter from GP, letter from employer stating I'm employed full time can anyone help me put it all together and how to submit and fill in n244 eviction date is 1st July thank u for your advice so far
  13. Thanks, I'm out of my mind!! I'm going to pay the 390 to bring the payments up to date, I have proof from doctors surgery, and can prove I'm now in full time employment, is a letter from employer sufficient? I will prepare a financial statement, no eviction date yet? Can u help me with the wording on the n244 statement and how to prepare it? I would be really grateful
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