New to this but I think its time I need help.
im in debt
well I have debts which I acquired when I was younger.
the main debt was a loan secured on my home which there was loads of late payments,
cleared the debt and late payments. but then had to pay over another £2000 in late payment charges plus intrest which I have now paid off.
the company I had the loan with was GE money home lending.
ive been told that the late payment charges of £40 are unlawful and I can Claim these back.
if so How and please help with leter templates.
2nd main debt I have was with Welcome Car Finance got a car off them back in 2008 lost my job and missed a couple of payments
rang the office and agreed to pay extra to clear my late payments.
then 2 months after that they sent 2 baliffs round and reposed my car,
first off never received court summons or anything in writing and never received default notice on credit file.
out of protest I have never made any payment or spoke to the since,
( now I have read up that they like to do things unlawfully and that I could possibly get this debt written off.
please help with advice and letter templates.
my only worry is that they have sold the debt to a company called MKDP and are now looking to proceed to make a claim for CCJ
I owe £5265.72p
Checked my credit file today and there are still not defaults from welcome or MKDP
need help with letter templates.
is there anything I can do as I cant afford to have a CCJ that big
cant Afford to pay them as only on min wage.
Help me please