im not sure if i got intrest aswell i will have to dig out all paperwork for u to browse over so want the original agreement we signed with welcome i will send everything to u i have from welcome and claim back direct

ive only signed a thing to say i accept the offer they made me all this was done through a company called claim back direct and that our new payments will be £212

hello thanx for quick response i need to dig it out for u as ive since moved and its in a box somewhere lol but i can tell u i was paying 235 a month but claimed back my ppi now the 212 is new figure but for some reason they have put this figure down since i won my claim

hello all advice needed if possible today i received a statment from welcome finance i took a loan out in aug 07 for the amount of £19946.71 from aug 07 to aug 10 ive paid every month on time and my loan had come down to £12104.43 which i thought was good but reading on in my statement there is another section which is from oct 07 to aug 10 which is called capitalisation they have added from £300.00 to £190.00 a month so my balance now is £19089.02 so since aug 07 till now all ive paid off is £857.69 i checked my intrest rate and it is 12% surely i have paid more than that off my loan ive paid £212.56 a month every month never late always on time pls help if possible thank you

hi all wonder if i could have some advice it all started back in 2008 when i lost my job and couldnt afford to pay my bill due to lack of funds. I tried calling them and they would put my account on hold while they look into it. This has now been going on to presant day throughout the 2 years we have been promised payment cards but never deliverd then account on hold for few months to see if we can go on to a first steps programme then that comes back as no and all the while bills are going up up. I now owe 2000 on both accounts at the end off last year we had a man come round saying he was from npower and his here to sort out an arrangment with us we showed him the folder of letters npower sent us and the letters we sent back and he phoned npower from our house phone demanding they send a payment card asap then he left and payment card never deliverd. Now they demanding 500 upfront before we can pay monthly or we have to get a pre-pay meter which im refusing to have. We even set up a direct debit with npower which they took a month early so we had to go bank for an imdemnity payment to get it paid back. My wife has just spoken to there soliciter and he even said sorry he realises its not our fault thats why he is handing the case back to npower. We contacted the ombudsman 2 weeks ago but yet waiting to hear from them. Npower have contacted us 4 times in 2 days its boardering harrassment i think. We have offerd to pay payments but not at the 500 they are asking for but they say no what do i do next please

ok thanks people i will check but as far as i awhere i aint been threatened with court just yet thanks

i do leave it laying around although we not aloud to being as it company issue sometimes i leave it in my bag or on my desk while i nip to the loo or out for a ciggie

i work for a train company in essex and i am currently under investigation for a text that was sent to a female collegue from my work phone to her work phone so she complained and now its me whos under investigation for sending it but i never sent it i requested to see the phone bill and my collegue number is on there a number of times but i have never texted or called this person after looking at the relevant paper work it dose show that i was on duty at the time of texts and i also used my phone 5 minutes after the text was sent i am now at the stage of decission time from my big bosses and feel i will lose my job for harrassment possibly sexual harrassment while investigation has been going i have not been suspended or moved for my current depot so is this a good sign or not i have never been in trouble at work before so dont no the procedure and am very worried as losing my job would be bad enough but losing it to sexual harrasment is a nightmare i been working there for 3 years now and only ever had 1 day of sick and am always on time and do my work to the best of my ability any advice or help would be gr8 thanks for reading

i to have ignored all letters from ncp but now it is with the bailifes what do i do next do i still ignore or tell them where to go as well lol

dose that mean they can refund us by token payments or do we pay them token payments thank you for your response

i too had letter today saying that they will send me an offer and that refunds can take upto 21 days to process but at the top of the letter it says and i quote" I refer to recent correspondence in relation to your financial hardship. Your request has been assessed and confirmed subject to regular token repayments as appropriate. This arrangement can continue, if required, until the result of the office of fair trading and uk banks court case outcome is known." the bit that confuses me is where it says about token payments could anyone shed some light onto this thanks :confused::confused:

hiya thank u both for your input i have not thought of an S.A.R and they said they was going to look at the case on monday to see what can be done:confused:

PLEASE HELP in October 06 g-mac took us to court for being in arrears the judge ordered us to pay £200 a month which we did right round to Nov 07 now they are saying we owe more than we did in the first place they charge £50 a month for being in arrears (because we don't pay on the ST every month because i get paid 4 weekly) they also charge £15 a month for not having direct debit we have checked through our statements and what they are saying is wrong we have paid every month if we didn't we would of been repossessed now they are saying they will open there files again and file for repo again we have been to seek advice from citizen advice but not much luck there G-mac told them they would send statements to us so we can compare with our bank statements but now they saying they want £40 for them.It seems to me that they are charging us for everything in the hope we give up but it ain't gonna happen this time i will fight all the way win or lose i just need advice on where to start and what to do they are saying we are 4 months in arrears which is roughly £3500 thats without all these charges now my mortgage is higher than it was when i first took it out with them URGENT HELP NEEDED PLEASE THANX GUYS:evil:

no i aint always piad late but i have never paid by direct debit except for the first 2 payments

na m8 its a mortage dose what u say still apply