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Fluffy Viper

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About Fluffy Viper

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  1. Your paying over £9000 to Brighthouse!! I hope thats not per week. Ok,to be serious, if you start your own thread on this we can keep tabs on your story and I am sure Lefty will be along with his brilliant advice soon enough.
  2. I have been considering bankruptcy for a few weeks now as I too have no assets (rented house, car worth about £300 and nothing else) and unsecured debts of about £25k and after reading your thread I think I will go for it. It would be nice to be able to answer the phone again.
  3. Ok. Update. Went into Accrington branch to try to pay today and they put me on the phone to Blackburn. The manager there asked what days my wife works and I said that if they want new agreements signing on Saturday then we can do it next Sat as I am not working and can take my wife there and then to work. He said that was ok and asked if I knew how much to pay without the OSC. I said I didn't know the exact amount as I couldn't find one of my agreements but it would be about £36-37. He said if I paid £74 he would sort it out. This was fine for me. So they have dropped all the late payment char
  4. About to send this email, any thoughts. Thank you for your letterdated 17 June 2008, unfortunately it did not arrive until Saturday morning when we were both at work. When I returned home at about 12.00pm I rang the store manager at Blackburn and apologised for not being there at 8.30. I would like to point out that we never actually agreed to be there on Saturday morning as we could not agree, on the Monday when we called in, to the additions to any new agreements to protect the "early settlement and repossesion" rights. I can understand that you will need new agreements signing but I h
  5. Wow didnt realise that was so long, Sorry. Hope it makes sense.
  6. Hi all. Here's an update on my situation. I went into my local branch to pay again today on my way home from work and the ammount had gone up from £43 to £49 as they said there were now charges on the account due to a late payment. They have paid 3 of the accounts but not the other because I only gave them £40 last week to cover the payments without the OSC (I am not sure how much the actual ammount is because I cant find one of my agreements). They refused to take a part payment so I went home. On arriving at home I had recieved a letter from Anne Healey (customer services manager) dated 17/0
  7. Just printed off the HP T&C's and the OSC T&C's from the stickys so i will point out the relevant points when I go in. Unfortunately last Saturday when I paid they put it all in yellow money as it was the only way they could take it as it was classed as a part payment. That was in the Accrington branch where I usually pay and not Blackburn where the accounts are (they wont transfer them to Accrington as we are good customers and they dont want to, they might do now though). Just another question while I have it in my head. If I have 3 seperate agreements and I make a part payment why r
  8. Thanks again Lefty. That is very useful and yes you are damn good. If it isn't sorted by Saturday do I still just pay as usual minus the OSC because I know for a fact they wont take a "part payment" as they will call it. If they dont accept it I will keep it to one side for when they will.
  9. Hi Lefty and thanks for the reply. Today I went in to BH to sign new agreements after giving notice of my cancelling the OSC and after much discussion it was agreed we would do this on Saturday (21/06). I then asked if they would have 2 copies of each of the old agreements and 2 copies each of the new agreements ready on Saturday. I then asked the manager if he would be prepared to sign my paperwork ie the letter you have put above (I took 7 copies, 2 for each of the 3 agreements and a spare) and he flatly refused saying it wasnt a proper document approved by head office. I offered him a copy
  10. I put this question on another thread but I thought I would start my own. I sent the OSC cancellation letter to Brighthouse Blackburn last week ( 06/06 ) and sent a copy recorded delivery to head office and a copy to Blackburn Trading Standards. I went in to the Accrington branch yesterday ( 14/06 ) where i usually pay and guess what, still wanted the full ammount. They phoned Blackburn and the man there said they hadn't taken it off yet as they required me to sign new agreements. I am going in tomorrow (16/06 ) to do this but I want to know, if I have given them their seven days notice is tha
  11. Thought I would put this question on here as its relevant, if a moderator wishes to move it thats ok. I gave the letter in the post above to Brighthouse Blackburn last week (06/06/2008) and sent a copy recorded delivery to head office and a copy to Blackburn Trading Standards. I went in to the Accrington branch yesterday (14/06/2008) where i usually pay and guess what, still wanted the full ammount. They phoned Blackburn and the man there said they hadn't taken it off yet as they required me to sign new agreements. I am going in tomorrow (16/01/08) to do this but I want to know, if I have giv
  12. Hi. No I dont have PPI on this loan but I did on a previous loan which was paid off with this one. I am awaiting a reply from Welcome to my enquiry about a refund for this (I think they have another week). I think I will send a letter to them to clarify the situation with the payments on my current loan. Thanks for the advice. P.S. I have paid weekly since this loan began as I was paying weekly on my previous loan.
  13. Thanks Dipply. I have started a thread with this question, its on "Other Institutions", headed "Welcome Finance-Weekly payments". I would put a link here but I haven't figured out how to do that yet.
  14. I pay £50 p/w to WF (I find this much easier and Welcome gave me the option of doing this after I found monthly payments difficult on a previous loan) but my monthly payment is £200 p/m so over a year I pay £2600 whereas if I paid monthly I would pay £2400. I have missed one weekly payment but I did not incur any charges as I was in front. This also means that I will pay the loan off 3 months early over the 4 year term so will I get a reduction in interest accordingly?
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