cateeyre
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3 years ago i foolishly got involved with a man[never again] he took me to the cleaners big time then did a runner. Was pursuaded to take out a joint loan by him and Welcome finance to pay off his car loan with Welcome as he had arrears, the loan was for £12k. £9k of it paid off the car and the rest the ex chap did a runner with and was never seen again. This loan is secured on my property and i cannot afford to pay it and havent paid anything for the last 18 months, i have had no correspondance from Welcome, i contacted them several times and they just wanted to extend the terms therefore getting me into more debt. Politely i said no thanks.The balance was then £26k i darent ask what it is now. It has now been sent to head office. The thing is i want to put my house on the market but dont want to have to pay all this money back, is there anyway round it, could i offer a smaller settlement figure, should i get a solicitor involved. need advice pls :confused:
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Can you offer full and final's on a secured loans does anyone know
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Cheers thanks for this advice i'll get on with this straight away, i just feel as its a secured loan no one wants to help...
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Hi i need serious help with this company, four years ago i was in a bad relationship with a guy who forced me to take out a loan with him, this was to pay off his car finance, also provided through welcome.. The loan was secured on my property, and £12k was borrowed, the other party then ran off with another woman and about £4k the rest paid off the car finance, i struggled to pay £400 per month then fell behind, cleverly the insurance was taken out in his name only so when i lost my job i couldnt claim, the amount outstanding is around £25k now, i havent paid anything to them and risk losing my home, He hasnt paid a penny and cannot be located even though he is first charge on the loan but its secured on my property, i dont know what to do no one wants to help and i dont want to have to sell my house to pay off all this money i havent had a penny of, Welcome have sent my details to head office and i never recieve any correspondance from them, should i contact them and offer £10k to settle do you think they would agree to this.
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Hi everyone i'm well on the way to claiming back my charges, sent all letters now everything has gone quiet, i have e mailed Halifax and told them i will be starting legal proceeding against them, but nothing this was over a week ago. I need help filling in this N1 form, do i just send it to Trinity Road address, i'm sending this form instead of doing moneyclaim online as i am unemployed and cant afford the £80 fee. any help would be great...:?
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So the first letter i sent doesn't count, ok so i'll have to wait a little longer. Will give me more time to read all the info on here, gosh its sooo confusing. Thanks guys will keep you posted..
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I'm a little angry with Halifax as i have requested all charge info for the last six years, [is that how far you can go back?] Twice... the first time i gave them 28 days to respond to my request.. Nothing! So i then sent a request for the info registered post i enclosed a bankers draft for £10, its been nine days now and nothing. Are they taking the p*ss out of me or what . What do i have to do to get this ball rolling. I'm not giving in but i will be letting rip at these guys if they dont send me my requested info. Anyone else having this trouble at the moment? :-x
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Hi everyone, i am now on a mission to reclaim all of my bank charges from the Halifax, i have sent out one letter requesting info on all charges, and no reply as yet its been over a month so i will write again, this time send the letter recorded delivery, has anyone else had trouble with them not replying to requests of charge info. Cate x:D
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