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  1. Hi am after some advice. About three years ago My wife and I were struggling on just my wage and running up quite a few small debts. We foolishly took out two secure loans of 12 and 14k. We have been paying these regulary. When it all started going t*ts up with the banking industry they raised the interest rate. We carried on as before but last week we received a letter saying they would probably be forced to raise the rate again as they were only a small company and borrowing was becoming increasingly expensive for them. As well as that they included a business card of a home finance company which they said might be able to help us out. It seems they are trying to force us to borrow else were and pay them off. Also can they just increase their rates when everyone else are dropping theirs. Thanks for any help
  2. Please can I have some advice, my dad applied through a company for ppi, sadly 2 months later he unexpectedly passed away, we received notification he was due a payout from Lloyd’s bank after his death and duly received a cheque in his name , the estate has been passed to my mom, to whom Lloyd’s reissued the cheque in her name, the ppi company are demanding their charges be paid, Lloyd’s suggested we do not pay them as the contract was with my dad not my mom, where do we stand on this, if it is owed they will be paid, but if not legally required obviously we would rather not , many thanks
  3. On applying my GP informed for all records it would be £50.00. I explained I didn’t need access to all, the problem I was trying to resolve occurred sometime between 2010-15. I was given a date for viewing, when I arrived there the GP had printed off letters in advance - 38 in total. 20 of these I already had – 2 were irrelevant and 2 was just my registration details. I said I would need to take them home and read them, she tried to convince me to stay and read them there – I stayed approx 30-45 mins. I did not view records online. A few days later I received an invoice for £50.00. I emailed the surgery asking for a breakdown of costs – This is what I was emailed back Preparing Notes 10.00 Photocopying of Notes 10.00 Doctor's time £30.00. The practice website reads - You have a right of access to your health records. A small fee may be charged to cover reproduction costs. I do not consider 50.00 a small fee In the meantime I have accessed other records relating to a hospital admission in 2015 – I went to view the records at the hospital and took away approx 50 photocopies – no charge I have emailed my surgery back and stated my case and am awaiting a reply. Can anyone share costs they have been charged – Thanks.
  4. I was going though some paper work and found some statements going back 2010-2015 with astronomical charges levied on my current accounts by Lloyds. I remember sending a letter in 2013 but forgot all about it. Again I sent a letter last year asking for these, but I was told it is too late. But I am just wondering whether to send them a fresh claim stating that although I started the claim in 2013 never got a chance to pursue it due to house moves and other issues. Do I still have a chance to claim or is there a time limit? Thanks CB
  5. Hi everyone, I'm new on the CAG Forum but was directed here by the good folks at MSE. I have long suffered at the hands of Blemain/Together. I foolishly applied for a second charge loan over a decade ago. It has been the (most expensive) bane of my life ever since. I recently received a letter from Together stating that my original loan has now past its term. It says, As you will be aware, your account with us has now reached the end of the original contractual term. As your monthly repayments have not been sufficient to fully repay the balance, the outstanding amount is now due. This may be due to late payments, payments being missed or the application of admin costs to the loan I am requesting SAR from them as I have a feeling that most of the outstanding balance is entirely made up of outrageous charges. I've also been advised to look into an "unfair relationship" with them but I'm a little unsure where to start. The outstanding amount is approx £11k! How can this even be possible when I have paid almost £100k over the past 10 years?!!! Is repossession an option at this stage? They have already attempted a repo a few years ago when I missed some payments. I went to court and duly arranged a repayment plan to clear the arrears. The account has been in good order ever since. Does anyone have any advice on how to deal with this shady bunch? Any help would be greatly appreciated!
  6. Starting from 2nd Nov, Lloyds are changing their overdraft fees and rates. There will be no charge for unauthorised overdrafts, as I understand it, but their rates will be charged at 1p for every £7 you are overdrawn, everyday. I will be switching banks, so it won't bother me. However, today I worked out the EAR that the new rates would be equivalent to. If x is your current overdraft, after 1 day you will be charged (x/7)×0.01=x/700. So your overdrawn balance will be x+x/700 after one day, assuming you spend nothing else. Factorize the x out, and this is the same as x(1+1/700). After 365 days that will be x(1+1/700)^365 = 1.68x. Therefore, the effective percentage increase over the year is 100*(1.68x-x)/x=100*0.68=68%!!!!!! Have I made a mistake? That is an obscene rate of interest!!! They say in the literature they sent me that this is to make it easier to understand the charges and control your overdraft, which I find extremely disingenuous. I would argue that it is nothing more than a greedy, profiteering, cynical ploy to profit from people, many of whom (including me) may already be struggling to keep their overdraft under control, and may not realize exactly how much more it will cost them. Moreover, I have not seen anywhere in their literature a statement of the EAR or APR. I even phoned them this afternoon and asked what the EAR of the new charges is, and she could not give a figure. They may be calculating their rates daily, but it does not mean the EAR cannot be calculated, as I have done above. I'm not sure about this, so maybe someone who is well versed in credit law can clarify, but I think that may even be illegal from the quick research I did. I think it is a requirement that lenders provide a percentage EAR or APR rate so that consumers can make meaningful comparisons between lenders. Is this correct? If so, can you give a reference to the appropriate piece of legislation? Apart from my specific questions about the legality of this, I just wanted to warn people. I'm surprised it hasn't been mentioned yet.
  7. Hi I put a claim to the Ombudsman for the return of fees for my Advantage Gold account after months of wrangling with the bank over its perceived mis-sale which the bank denied. However I received a letter from the Ombudsman who has advised that whilst they haven't looked at my case or paperwork yet the bank wants to make me an offer which constitutes of the return of my fees plus interest, less any benefit I received for the preferential loan and overdraft rates I received. Thats fine as it stands. However I want a lot more than that if redress is supposed to put me back in a position I would have been had I not paid those Service fees. If I do a running total on the account from the account start, the bank hypothetically owed me £85 in Service fees before they applied a lending charge of £25 to the account. If you remove that charge and add subsequent Service Fees, the next charge of £35 was again more than covered by what the bank is now prepared to return to me in Service Fees. When you continue in this vein all of my bank charges are wiped out and i believe should be returned to me with interest. In short we are talking about a reconstruction of the account. I hope this makes sense. Now I believe Lou Lou probably benefited from having a running total of Services charges which facilitated the return of her bank charges which her bank returned. However, this occurred without the intervention of the Ombudsman and my bank having previously kicked up a fuss will not want to pay me 20 x what they are offering. (Which would be the outcome) I believe the Ombudsman would be reluctant to do the same given that they have recommended that I take the offer as they believe it to be fair My questions are below: Has anybody benefited from this approach from an adjudication via the Ombudsman before when they got or sought redress? If this level of redress has been declined by the bank and or the Ombudsman, has it been tested in court and if so what were the outcomes? Other than Lou Lou on another site do we know of any other cases out there where the accounts were reconstructed and lending charges returned? The Ombudsman as not actually come up with an adjudication as yet and has asked that I wait for the bank to get back in contact with me. I am asking the above questions in anticipation of receiving contact from the bank and I just need to determine my next steps. Do we have any Advantage Gold/Ombudsman/redress specialists on this forum who can answer my questions? If so, please do! Thank you
  8. Hello Thank you in advance for any advice on my situation. Between 2009 and 2013 I was registered as self employed, in the earlier couple of years i was going through a stressful personal break up was having problems with work because of depression, also spending my money to go to court of access to my daughter. At the time I was couch surfing and frankly forgot all about tax returns. The HMRC fined me in total £4,524 over this period which I can't afford to pay. I find these charges extortionate, is this even legal for a start? All i did was not send in a piece of paper and now i am in this huge amount of debt? The last thing on my mind at that time of my life was filing a tax return especially when i had literally done no work or earned anything at the time - I certainly couldnt afford an accountant. Since then i started a limited company in 2012 which is still operating now and all tax returns are up to date for myself and my company, done via an accountant. All the old self employment returns have also been done and the self employment terminated as i am employed on PAYE by my own company. The HMRC have passed the debt to CCS collect. I wrote to the HMRC to try and appeal these extortionate charges based on what I have said above, but rather than responding to my appeal they just ignored it and wrote back to me with the figure I requested in the same letter. CCS already seem unreasonable in their initial letters, stating they want an "acceptable payment offer" - in my opinion acceptable is what I can afford, if this is £1 every week then that's what they should get. Am i correct in thinking that I should respond to CCS in writing rather than on the phone so i have written records of everything? And is it also right that they have to accept what I offer them on a monthly basis? I am thinking of £50 per month, which having a family of five to support is more than reasonable. I am writing back to HMRC today to request they actually respond to my letter properly rather than being totally ignorant. Finally, how on earth can a company, the HMRC, just make up these charges? They are just a company after all aren't they, and it's a ridiculous amount just because they didn't receive a piece of paper! Thanks
  9. Hi, I ended up with an overdraft as a company I was working for managed to trick me into giving them my card details, allowing them to take £3500 out of my account when there was no money in the account, ending up in an unauthorised overdraft... This was 3 months ago. I was lead to believe that id be paying back £225 pound a month (roughly), on the 29th of each month. Now that I checked, they are charging me interest and some other card charges, totalling in 3 extra charges on the 3rd of every month, adding to £75 on top of the overdraft, I only have a debit card? One charge is £20 because I don't have money in the account. Is this right? what can I do? can I claim it back? Court? I'm raging! Please help, I would hate to find out there was nothing I could do, I have the dreaded feeling that there is nothing I can do... I need my credit rating up as I am trying to start a business, this all happen at the worst time... word of advice for anyone its relevant to, "Don't Work For Amazon", they are slave drivers fringing on the law...
  10. I have just sold my house. The redemption figure inclued £6284 of additional charges. Originally this was a Ge Money mortgage taken out in 2002. Every month in the detailed summary I received there was a £40 Administration fee until February 2015 when it stopped completely in Addition a monthly Reactive fee due (LRO) of around £23 What is a reactive payment due? This was charged up until february 2015 and then stopped and replaced with Fees payable of around £20 a month Also additional interest of around £30? Are all these charges legitimate?
  11. Last year I booked a transatlantic return flight from Madrid with Iberia, on behalf of a friend of mine who moved to Madrid years ago. It was an expensive flight to start with and the email from Iberia stated that date changes would incur a penalty of between US $195 and $325. She changed the return date and was told over the phone that she had to pay over $500 to change the date. She argued about it but was given some stock answer by the local Iberia office so she had to pay the amount using her card. This is clearly not in accordance with what was stated on their booking confirmation email that stated: "Change Allowed with a penalty between 190-325 USD for departures from America, 150-250 € for departures from Europe" I believe BA and Iberia have merged https://www.britishairways.com/en-gb/information/about-ba/iag Is there anything that can be done?
  12. After the recent changes to unauthorised overdraft fees/charges, i believe every effort should be made to force the banks into repaying the money they have squeezed out of their customers, especially Lloyds. The fees/charges were disgraceful, £10 a day for a maximum of 8 days and then the interest on top, also a charge for being overdrawn was applied, basically there were months i received almost £90 in charges for being merely £20 overdrawn, it's downright disgusting that these banks have been allowed to get away with this for so long. I tried on a few occasions to arrange an overdraft but was refused, yet Lloyds were quite willing to allow me to go overdrawn without authorisation and squeeze out these fees from me. They are honestly a disgrace, and should be made to payback what they have taken, i would love for this to go the same way PPI did, so the FCA needs to make this happen.
  13. I have had a long and frustrating situation with my car which has recently come to a frustrating head. 29/04/2017 - I bought a used Peugeot 208 Style for £8,399 with finance in the form of an unsecured loan. I was not informed of this at the time, the vehicle did not have a full service history, and I didn't know to ask, this being my first car, and my dad specialises in old cars, which are lucky to have any service history at all, so he didn't think to ask. Within a month, I was having issues with the car stalling and pulling to the right on larger, open roads where you actually drive in a straight line for a period of time. I brought this up to the dealership, who did not record anything, did not inspect the car and simply said that as I was a new driver, I'd get used to it. I never had issues with stalling a car previously, and passed my test on the first attempt, but I figured that it was likely that this was normal. But the stalling wasn't the usual kind, it happened shortly after I finished changing gear, I would change gear, there would be a short moment and then the car would stall. The issue kept getting worse, until the car was stalling regularly, several times a trip. This is when I took it back to the garage on 04/09/2017, where they initially blew me off, then agreed to look at it. But they would not provide a vehicle. I had to hire one, which was only possible through their account with a local car hire company. I returned the following day to be told there was nothing wrong with the car. Shortly after driving it away, it stalled again. I was then informed by my insurance company that it had been driven at 85mph in a 50mph limit area, at a time that it was with the garage. When questioned, the garage replied that I hadn't told them it had a black box, as if that was relevant. They reluctantly provided a letter for my insurance company, so that my insurance would not be cancelled over the issue. I took it back to them on the 8th, they had it for a week to investigate that and multiple other issues, with squealing brakes and the gearbox grinding, and told me there was nothing wrong. I then said I wanted to reject the car and was told to speak to the sales team. Who then lead me through a bait and switch, pretending they were honouring my request to reject the vehicle, instead setting me up for an unfavourable part exchange, the finance for which was not approved. They then suggested that my dad take out finance for my car. There is one provider where doing this is legal, and yet they proposed three credit checks. I called them out in the illegality of this procedure, and yet they still harassed me and my father about going through with the illegal finance application. We declined. In a further incident, there was a problem with the oil, and it was taken back to the garage, where they fixed everything, didn't charge me, said it was not done under warranty, and yet said the issue was my fault. The issue was that the oil filler cap had not been on properly. I had never touched the oil filler cap. They also showed a picture which clearly showed a buildup of mud under the car from when the vehicle was pulled backwards during recovery, and tried to claim that this happened when I pulled up on the verge. I wrote to the garage at this time and said that if they were unable to fix the vehicle, I was rejecting it. This email was ignored. I then took it to an independent garage to have the clutch assessed, as I was starting to think that the car had been significantly worn by the previous owner. I was told by the head mechanic that the clutch was significantly worn, and even without any issues, it would fail in 3-6 months. He said in his professional opinion, there was no way this had been caused by my wear on the car. He also said that there was something wrong with the pedal, but he couldn't put his finger on it at the time, said he would need more time to investigate it to be definitive, time he did not have at that moment, so he could not include this issue in his report. 10 days later the issue that was causing all these clutch problems became a lot more apparent- the clutch was sticking, just below the bite point. I hadn't noticed this before, as it was sticking close to the top of the travel, near the bite point of the clutch, so when I removed my foot, the reduced pressure from the clutch pedal seemed natural, related to the bite point of the car. The stalling was being caused by a milder "stick", as I was pulling the clutch up, then it must have been fading slowly over the bite point, causing the strange stalling motion, as it stalled when it actually pulled over the bite. By now the car was revving excessively, as if I hadn't removed my foot from the clutch at all, and although I couldn't identify it at the time, as I was used to the clutch stopping before the end of the travel, it was not coming all the way up. The clutch failed that day. The car was recovered to the dealership, and I wrote them another rejection letter, authorising another garage to inspect the vehicle to confirm the issue. At no point did I authorise the Bristol Street Motors that I had purchased the car from to inspect the car. In a phone conversation, one of their managers suggested they would assess it to see if I could have a warranty repair, but this was prior to my letter, where I clearly stated I wanted a different garage to look at the car in line with the rejection. During this period, I needed a car, which I am unable to hire privately, and there was no spare car around for me to insure myself on to drive. So I said that they could either provide a hire car, or I could insure myself on one of their cars, so I could be mobile. I had previously been denied a courtesy car from them, based on insurance underwriting, but when they had been checking my licence, I was given the full impression that this was a free service. The dealership emailed me back saying the only way I would get a car was to hire one, through them, for a maximum of two weeks, at £20 per day. As I did not have information on their courtesy car policies, I had to accept the information at hand, and said I would pay. This would change, as it turned out the information provided was false. They called to ask for authorisation to remove the gearbox, which I provided. These two statements were the only authorisation I ever gave. Then, the dealership removed the clutch and handed that to an independent company to inspect where, as one would based only on this evidence, they stated that it looked worn, consistent with abnormal operator technique. After a conversation with a mechanic, I have been advised that one remedy for a sticking pedal is to remove the parts and manipulate them, so even if I have the real issue inspected now, its quite likely that they have removed the evidence of this. They then wrote to say they will not be accepting my rejection of the vehicle, sending a document full of inaccuracies, which I corrected in a reply. They then stated that despite this, they would not consider their position, and I would be expected to collect the car. In this letter, they then proved that the information provided about a hire car was false; they stated they were unable to provide courtesy cars to those with less than 6 months of driving experience. They clearly knew, as they stated the date I passed my test in their letter (20/04/2017) and the date I purchased the car, that I had over six months of driving experience, and therefore should have been eligible for a courtesy car, at no cost to me. They had lied to me, and thus caused me to go to an expense that I should not have incurred. Hence, I disputed the hire costs in full. Especially as they had now left me without a vehicle, and reliant on my father to get to work, 20 miles from home. It's also worth noting that they expected me to collect the vehicle with it's gearbox and clutch still out. A couple of days later, on 21/01/2018, after the dealership had closed, I was informed I would be charged £10 per day storage, starting 22/01/2018. I was never given any terms and conditions when dropping the car off, and was awaiting a response from their chosen mediation service, the motor ombudsman, before taking any action. But based on this, and the idea that I was willing to entertain an alternate resolution, where they paid to repair the car and then give me a partial refund down to the current value of the goods, I prepared to collect the car. I went to the dealership 31/01/2018 to collect the vehicle. I had also called consumer helpline, as the only charges I had been informed of were for hire cars and storage. They stated that the garage had no right to hold the car over these charges unless they had a high court enforcement order (they don't) and should they try to hold the car over these charges alone, I was to call the police, as the holding of my car was in this case, criminal. I asked to leave with the car, I was told that I had to pay the hire and storage charges before I leave with the car. In line with this, I told them what consumer helpline had told me, and they informed me their legal department had said they should not release the car until payment had been made. No mention was made of any costs they can exercise a lien over. So I called the police. Two days later, I had an appointment with an officer, who listened to my side and then spoke to the garage to get their side. They wouldn't even confirm the registration, stating they had been told that the only person allowed to discuss anything regarding the car was their general manager. In discussions with the general manager, they were sent an invoice, which detailed costs for an inspection of the car, and "environmental charge" and "tool manufacturing for gearbox support", plus hire costs and storage for nearly £700, stating all would need to be paid before they could release the car. They then made an "offer" to fix the car for £650, including car hire, spinning the angle that it was my "legal responsibility" to keep my costs as low as possible trying to say "Pay our ransom, allow us to butcher your car, because we have a big well-funded legal department who, if it gets to court, will win!" My complaints to trading standards have been referred on three separate criminal breaches, just by the by. Which leads me to the actual current issue. In my opinion, there is nothing, even on the revised invoice, that they can hold the car over. As far as I know, the right to exercise a lien arises when you have done work that has improved the car, that the customer requested, the charges for which are not under dispute, which have not been paid. It's for situations where someone says "thanks for fixing my car, I'll pay you on Tuesday, but take it now!" rather than situations anything like mine. As far as I know, the following applies: - Hire charges have to be agreed in terms and conditions up front, before the car is dropped off, not added in an ad hoc email when you are already preventing the release of the car. -If the customer didn't request the work, and the garage can't "undo" it, they are to absorb the cost and release the car -If the charges are under dispute, they can't hold the car -If the costs are still accruing, they can't hold the car -If the work done has not improved the car, they can't hold the car -If the work has not been done by the garage holding the car, they can't hold the car -If the charges they are awaiting are not to do with work done on the car, they can't hold the car So on all fronts, they can't hold the car. The other thing is that there is no specific right to get back money that was paid but not owed in British law, even if you write on an invoice that you are "paying under protest". Plus I don't have £700 just lying around, plus costs for recovery and repair! You only get it back if you can prove things like duress, threat of physical harm, etc. I have disputed their outcome with their chosen dispute service, but this isn't enough. The police say that whilst the garage believe their entitled to hold the car, they can't recover it, and consumer helpline said all they can do is refer it to trading standards "without commitment", meaning they don't have to get back to me. So the points that I need clarifying: 1. Is there anything I'm missing regarding their right to hold a lien on the vehicle? 2. Where is it written in law about the right to hold a lien on a vehicle? 3. How can I recover my car without paying a penny to these swindling con men? Apologies for the long post, but anything anyone can advise to help would be appreciated!
  14. On the 13th of Jan 2018, changes came into effect to stop companies adding on fees for people using a card to pay with. I was under the impression that this was now illegal. The other day I went into a Premier Stores franchise and bought a few items, came to less than £7... But when I went to pay, the price had jumped to £7.17... I queried my it had gone up and was told there was a 50p charge for using a card. I pointed out that this was now illegal, but they were adamant they were allowed to do it. I told them under no circumstances was I accepting it and that they'd lost my business... and left. I then left feedback/reviews online to warn others. But what 'exactly' is and isn't allowed now? I read that one of those takeaway delivery apps that used to charge extra for card payments as now simply extended the charge to 'ALL' types of payments, and that's supposedly legal as they're branding it a delivery charge rather than a 'card fee'. If the shop is acting illegally, where do I report it?
  15. We had a car on a 4 year lease with Lex which ended in March this year. Late last year I got 3 or 4 private parking notices in London - Parking Eye and suchlike. Lex say that if you don't pay fine then they will pay any reminder on your behalf as they have liability as the registered owner. When I got the first notice I wrote to Lex saying I did not authorise them to pay any fines on my behalf, but they could provide my details to the parking companies which then moves the liability onto the driver. Lex did this initially but paid 3 fines on my behalf, which I disputed. My credit rating has now gone through the floor because they added the fines to my account which now shows that I have missed 3 months payments on parking charges of £450 odd quid. Does anyone know if they can do this as the parking charges don't form part of the credit that I was given? cheers
  16. I signed a franchise aggreement (unfortunately) and I would like to know if the : personal guarantee`s that was included is legal, if it was not witnessed, at the time of signing, and their is no provision for a witnesses signature, is there a set format for this, and could it be deemed invalid and/or, not binding? when is a deed not a deed? Your advice would be welcome. Thanks!
  17. Hi All I am struggling to find the standard letter to reclaim charges. Can someone kindly post me a link please. thanks steve
  18. Bad enough they charge patients, but to charge staff for doing their jobs !! https://www.theguardian.com/society/2017/dec/28/nhs-hospitals-made-174m-from-car-park-charges-this-year
  19. Hi, The managing agent of my leasehold property has passed my details to SLC solicitors to pursue payment, I was about £4400 in arrears. I have paid the amount along with around £400 added for interest and legal charges, I want to know how I can recover the same. The backstory, from the managing agent I was receiving postal and email communication until Dec 2016 for payments due, but from Jan 2017 I did not receive postal communication anymore. Apparently, they were emailing me the information, but as my email hasn't be working reliably I didn't receive the service charge notices. Significant to note that from Jan 2017, i have been charged interest on dues, this was never charged in the past for any overdue amount (also I'm the only overdue leaseholder who is being charged interest on overdue payments). Also, I was passed to SLC solicitors who have since charged me another £180 in fees for sending 2 letters. The first letter was sent to the wrong address and I didn't receive it until much later, the second letter was sent to my address but was receiving by me after I had made the payment. The managing agent did not send me any letter before starting legal action. I feel that the way this whole thing has been done is really unfair to me and i haven't been properly informed at upcoming action at any point. Please could I know how to proceed to recover the interest and legal charges? I wrote to my managing agent (RICS registered) asking for a refund, but they said that all the charges were paid to the solicitors ( i think it would be unlawful for solicitors to charge interest on top of legal fees?), i think my managing agent is lying. How do i proceed?
  20. I was wondering if I can charge a energy supplier 'administration charges' for their continual abysmal customer service? I am aware that someone took TalkTalk to court for something similar, Marc Gander from CAG gave some advice on that one. But can I actually charge by the full hour for having to continually phone, email write to this company?.
  21. Hi all, Hope this is in the right place... With the new Halifax overdraft charges I am seriously struggling as my OD is almost £3k I would like to know if there is a letter or anything I can send them to offer them a sum every month and to stop the charges from accruing while I am paying it off? Any help much appreciated. Cheers
  22. Hi all, I am close to paying off a secured loan. The balance of £988.00 is made up of the fees and interest on fees levied over the past 7 years. I want to have these charges refunded and this will clear my balance. Should I send a letter before action and should I charge intererst.
  23. I had a Halifax Current Account for 7 years. I know that during that period I had received numerous bank charges for being overdrawn. At the time, I was on the sickness benefit called Incapacity Benefit. Would I be able to use the Social Security Administration Act 1992 Section 187 to reclaim all the bank charges?
  24. HI I'm new to this site after stumbling across it after searching for advice on how to make a claim against Swift Advances. I have read Nicky74 story and mine is not much different in that i took a homeowner loan out with for swift for £8000 in 2003 i think. I paid them sporadically for about 3 years which comprised of missed/late payments and finally settled the loan after splitting with my then partner and selling the house. Swift Advances took £28,000 of the equity in the house to settle the debt which i could do absolutely nothing about. I have absolutely no paperwork for the loan and don't know exactly when we took the loan out but know that it got settled in early 2007. i'm just looking for some advice on where i start e.g see a solicitor or contact Swift advances directly. Any help would be greatly appreciated or if i am wasting my time i'd rather know now. any questions feel free to ask although the info i have aort from my memory is zero. Thank you in advance and i will keep a close eye on this thread for any replies. Ian
  25. bobsp

    Cahoot CCA

    Hi all, SAR sent 14/12/06 Recieved statements 11/01/07 Request for payment £591,15 11/01/07 Nothing recieved so sent LBA 05/02/07. thing is I forgot to put in it another copy of the charges I am claiming (spreadsheet) does it matter, should I resend a LBA enclosing the spreadsheet, they got one sent with the request for payment sent 11/01/07.
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