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  1. So glad to see my favourite forum has a special needs section!!! My middle son was diagnosed with Aspergers a few weeks ago, we have made a claim for DLA on Friday and I recieved a phonecall from a lady on Monday morning!! She asked a couple of questions on mobility and night times. She said we would get a decision in 1 - 2 weeks. Im guessing that means she wont be contacting any other agencies?! Does it sound like bad news to you?? :???:
  2. Ok, Ill try it. I was just reading through the link to a thread someone posted and it looked likely they were going to pass the buck so thought Id prepare myself. I will see what GE say. Thanks.
  3. Thanks... I have already been told by GE money that Ill need to make a complaint to IFCL so just trying to be prepared, I dont have a lot of time to do this sort of thing so thought Id get as much done today as I can. Thank you everyone for your help so far. This site is amazing!
  4. Ive been told to make my claim through these people but GE Money could only give me the name, they have no contact details and I cant find anything on google. Its a long shot but dont suppose anyone knows an address or a phone number even? Thanks in advance
  5. What a great read!!! I am just starting out with a GE money claim, I did call them and they have already said they did not sell it so I would have to go through the company that did. Once I have my SAR back do you think I should just write the complaint to both parties to save time? Congratulations on your win!!
  6. Ok Ive cancelled the claims company!! Eeeek! Ive got my SAR ready for this particular claim, Ive rang GE money for the correct address. So I send it and then wait? What sort of information are they going to send me? What's the next step? I dont have a cheque book so should I get a postal order? Or I can ask my Mum to write me a cheque? Do I just make it payable to GE Money? Thank you so much for your help so far
  7. Ok, good idea. So you think I should tackle GE money even though they said they couldn't do anything as they didn't sell it to me? Can I skip the SAR? They have already told me I paid PPI on this loan? Thank you x
  8. Thank you. I'll try phoning tomorrow but not sure I can afford £10 per company right now, we are dealing with about 6 companies. Is there any other way to get the information? I have account numbers for most apart from a loan with HSBC where I don't have anything at all and they wouldn't even give me the account number without me giving them an 8 digit telephone banking number from 5 years ago!!
  9. Im not sure. The loan was with First National so Im guessing it was paid to them but they arent the ones that sold it to us so said we can't make a complaint to them? We have already started the process with a claims company but thought Id look here and am now wondering if we could cancel and do it ourselves. We have other companies too, about credit card companies and a bank loan. We dont have account numbers for the loan and Ive phoned HSBC who were less than helpful. Are there letter templates I can just print off and send out? Thank you!
  10. Ok... Im lost already! Maybe it would be easier for me to go through one of the companies and pay them a percentage. Looks like this could get very complicated
  11. I dont have an agreement, we moved house just after settling the loan and the paperwork either got lost or thrown out
  12. Hi all! Really needing help here. I have no idea where to start We had a loan with First National (Part of GE Money) about 7 years ago, I have just rang them and they told us we did indeed pay PPI on the loan. She said she couldnt do anything about it as it was sold through another company, Independent Finance Corporation LTD. So what now? She said we paid £1200 Id be so very grateful if someone could point me in the right direction. Thank you!
  13. Thank you both Lloyds havent defualted us YET but a few other companies have in the last few years So out credit rating is pretty poor.... At the moment they are asking we pay what is over our o/d limit which is £700 But ideally we'd like to start to attempt to pay off the whole lot, thing is with £100 being put on in interest alone it just feels impossible
  14. My husbands blasted overdraft is hanging over our heads, its our last debt and I want it gone but its a biggy. We no longer use lloyds and cant afford to pay into it so the interest charges are just mounting up, its now over its limit and charges are being occured. With natwest they offered us a loan to pay off out O/D which suited us fine. Are Lloyds likely to do this?? We have seriously bad credit but natwest said it didnt matter as it was a different way of doing things... Too tired to try and explain but it made sense at the time! Or will Lloyds just sent it to the collectors?? Who are the collectors?? What are they like?? Will they accept most payment offers!? Im so scared it'll go to them and they'll want more than we can afford. Also whats the situation on claiming bank charges from Lloyds? Robbing ba**tards. They've had thousands from us in charges!!
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