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Found 964 results

  1. Had a reply from Barclaycard regarding my 1998-2003 SAR request. They claim not to be able to find my statements and need more information. I provided them with my name and the address the cards were registered to at the time. Interestingly Barclaycard claim that the statements are not in their main system, but they state that they do have them. In order to retrieve the statements they need my old card account numbers. Alas I don't have these anymore. Should I just push harder and insist that my name and address are sufficient?
  2. Hi I would like some advice please. I owed the freeholders of my lease some service charges that were a total of 436.62. In mid Aug I telephoned them and they demanded I pay in full immediately. I tried to discuss with them some payment plan but they would not accept anything just a demand to pay it all or they will instruct their solicitors. I paid 250.00 by direct debit at the end of Aug. 10 days later in early Sept I receive a letter demanding 436.62 be paid. I called them and told them that their figures were wrong Both they and the freeholders had to check their accounts, they demand I pay the remaining balance of 186.62 or they will ask for interest per day and take me to court. I then receive a credit note in mid Sept for 124.00 balancing for the year. this meant I owed 62.62 in sept In addition around the early part of Sept they sent me another service invoice in advance for 105.00 for sept 29 to Dec 24th. now I ow 167.62 I was unwell for the later part of Sept and early Oct. and under the doctor. I didn't pay it with my Sept salary. I am 1700 overdrawn and living in debt that leaves me with no income for food. I am having bowls of cereal for meals. This is just to give you a snap shot Well I was paying the money at the end of this month Oct and paid it under duress today on my account again when I don't get paid till Friday this week The reason is this Saturday I get a money claims letter. They are asking me to pay interest back to March and costs of the court application at 35.00 and for writing a solicitors letter at 50.00 all this on top of their costs. I want to ask you this A. I did not receive any demand letter from the freeholders, only the solicitor in early Sept when their figures and understanding of what I paid was wrong. The company have not liaised with me, only sending me a statement in mid Oct, they have also allocated money I paid of 250.00 on what invoices they wanted leaving the furthest one back as the ones that still need paying for which I believe is so they can gain more interest, but it stands to reason that the money was for the earliest invoices. I don't believe they have given me any chance to negotiate, they write from a solicitor after a payment was made and they are not willing to have any arrangement. The recent invoice in advance and 62.00 was the only thing outstanding and that was only given in Sept. Are there any way behaving correctly I feel like I am being intimidated, I have had a good 6 years with this freeholder and have never missed payments until this year I dont know what to do. I was frightened into this payment but I knew I had to pay it this month anyway. Will I have to pay the court, letter they wrote me when I had paid most of the bills that was wrong and court costs. I can't afford them . I did try to speak to the accounts dept but the person was either not at her desk or I was working, I can't use my phone at work unlike some because I am on a ward and breaks are not heard of where I am it's so busy. Where I say 10 days later I recieve a letter, this was from the freeholders solicitors. Just to clarify now that I have paid the 167.62. Do I contest the charges on the money claims form for the 50.00 they are asking for the solicitors letter that came after payment, the first mention of it was on the money claim form, the interest they are seeking and the court costs of 35.00. I really don't have any money at all. Phew sorry for lengthy text. Thank you Caron
  3. Hi everyone, following on from extremely similar cases, i requested documentation for service charges of a flat i own. Accordingly to regulations (Landlord and Tenant Act 1985 Section 21, as amended by the Commonhold and Leasehold Reform Act 2002 Section 152) they should have provided evidence within 21 days. 25 days later they sent me some receipts making up 25% of the charges. I asked them if that was all they had for that financial year and they confirmed this. So I had these checked and found usual irregularities like wrong calculations for shares and of course all the missing receipts and invoices for many of the services allegedly offered. For example, lift maintenance is £1000, divided by 10 flats they make it £15. Clearly wrong to me and you, but of course their calculators seem to consider maths an opinion. They don't dispute that these calculations are wrong, but they simply avoid addressing the problem. I asked for a refund of all undocumented charges and overcharged, same as I did with other financial years which they refunded. As soon as they received this request they sent another 3 receipts totalling £20 approx; this was well after the statutory 21 days. I rejected these receipt and told them that I was not in a position to accept any further documents because they had already confirmed that they didn't have anymore and the 21 days had passed long time ago. So they're now playing the ignore game and, as the 14 days I gave them are up tomorrow, I am drafting a lba. If you are still reading I thank you, I know it's a bit long but I wanted you to have a good picture. I have a feeling that this time I will end up taking them to court, so I don't want to make any mistake. My question is: Accordingly to the pre action protocol I should suggest an alternative dispute resolution service, however I don't want to give them an opportunity to get the Ombudsman involved, knowing that they are useless. Can I avoid mentioning ADR in my lba? If I do, could they claim that I haven't complied to the letter of the pre action protocol? Or by ticking yes to mediation on mcol I should be ok? Thanks for your help.
  4. Hi, can someone help please. I over stayed the maximum 2 hour parking in Tesco car park (private eye) a few times and now I’ve been sent a charge £250.00 or they will take me to court. Could someone advise me what to do please
  5. I wonder if someone can help me - Ive got a interest only mortgage with GE MONEY which has been in arrears but OK now. Over last few years have had a few payment arrangements with them and as a result they have added lots of £40.00 admin fees. I think these add to over £2500 throughout my hardship. I just wanted to check that was all above board, seems a bit harsh in times of hardship that they actually made more money out of me. Any advice as always is appeciated!
  6. Hi everyone, I had two accounts with Amex opened in 2003, One was Amex blue and the otherone was Gold Charge Card. I ran into financial problem and the accounts were terminated and sold to Capquest. I was first offered the Gold Card then followed by the Blue Card. Well, there is no outstanding debts on them now but there were penalty charges on both cards which I would like to claim back. I wrote to them requesting them to repay but they refused. I then sent a LBA and their response is basically the same. Below is their reply to my LBA: (Two letters for the two accounts but the contents are the same) WITHOUT PREJUDICE SAVE AS TO COSTS Dear Mr... Thank you for your letter dated --.12.2014 concerning the default charges applied to the above account. While we are disappointed that you rae not satisfied with our response, we confirm that your claim has been reviewed in accordance with time frame limited by law and that, as confirmed in our final response letter dated -- December 2014, no refunds of default charges are due in respect of this claim. If, however, despite our final response, you decide to pursue legal action, American Express will have no alternative but to defend such proceedings and recover its costs of doing so from you. We trust this will not prove necessary and that we can avoid unnecessary use of the court's time and legal expense. Yours Sincerely, Now, my question is, Has anyone had experience with Amex? Any success story to read? It is my intention to follow it through. I want to issue a claim but would want to hear your opinions before I do that. Thanks Dot
  7. Can someone kindly advise how to calculate possible PPI reclaim amount ? I have calculated my monthly PPI interest amount figure using forum details located in which I have already paid over120 months but still have 60 months to expiry. Any assistance would be appreciated as I would like to know a possible figure in order to compare with Welcome's offer if successful.
  8. Firstly a bit of background. I have a secured loan with blemain finance (we all make mistakes:-x) It was taken out in may 2007 and is for £10K also it is cca regulated. They have added over £4K in charges in just 2 years, I have requested the charges back and after lots of letters i have they're final bog of letter. so i am now debating whether to take then to court for unfair credit agreement or go to the fos, i have phoned the fos and they have taken details and sent me out the forms to carry on with my complaint,but as yet i have not sent them back.so i have all options open to me and some advice in which way to go would be appreciated. Also i have a suspended possession order after they went for repossession, now the thing is i think when they took me to court they first sent out a default notice, but i think that it is non compliant and would like a second opinion,and some advice on how to deal with a suspended position order that they got on the back of a dodgy default notice. my issues with the default notice are a]That they didn't give me 14 clear days to rectify. b] No specific date to remedy (they say 14 days from date of letter) c]The paragraph saying that if you dint understand this then seek advice from CAB is missing the following is word for word what it says on the default notice and the only date on the notice is at the top of the page. 1] To remedy the breach you must pay the total arrears of £xxx within days of the date of this letter. 2] If the action required by this notice is taken before the 14 days, no further action will be taken in respect of the breach. 3] if you don't take the action required by this notice before this date then the further action set out below may be taken against you. 4] FURTHER ACTION: on or after the date shown above we shall apply to the court for an order for possession and sale of the mortgaged property. so any advice on how to proceed with this would be greatly appreciated and thanks for looking. welshperson (from bridgend:-))
  9. Hi all, I am new to this forum, so please bare with me as I get hang of how it all works. My story dates back to 2006, when I took out a secured loan with Blemain/Together finance for £25k. This was to pay additional bills and to do some repairs on my property. I brought the property in 2003. This was the first time I took out a loan, I had no real knowledge of the best type of loan to choose, which is why I did the loan through a broker, who pass my application to a third party Loan Options, who recommended Blemain finance. They were both paid a commission at the start of the loan and that was deducted from the loan amount. Blemain also added £2000 in charges for handling my application, so at the start of the loan I was already £4000 in debt. My understanding from the start was this was a loan, but over the years it is now referred to as a mortgage, with added legal clauses such as remunerations. None of this information was made clear to me at any stage of my application. There is no way I would taken this loan if I knew the interest rate would be so high. I am now paying more to this loan then my actual mortgage. In the last 11 years Blemain has added charges to this loan for building insurance, Telephone calls, Letters, Arrears and court fees. Yes they have taken me to court on 2 occasion to reprocess my property. Each time adding extra charges to the loan amount. I have recently had a audit done on the amount I have already paid Blemain and it totals to over £39k, I still have 4 years left to pay off this loan. I have been in financial hardship since taking out this loan, with very little to live on. I have been to solicitors, law centers, etc, none them has been successful. I can’t afford the monthly charges of this loan any more, I am compelled to sell the home I lived in for over 33 years. I recently asked Blemain for a redemption figure and they have quoted £46k to pay off this loan early. I am horrified that they can charge such extortionate interest for a loan I took out 11 years ago. If I pay the £46k redemption figure It would total £85k for a £25k loan. How is this possible:???: I would appreciate any advise or guidance from the forum. Thank you! Bdoubleu
  10. Hi all Been reading up on Shelleys and Martin2006 threads ( which are very good indeed ) and looking in doing the following credit card charges reclaim. MBNA card - Defaulted around 2007 - cannot check accurate date as dropped of CRA and NO DN in SAR. —————————Credit Card Charges reclaim—————————————— Total Charges = £521 Total Compound Interest @ 24.90% = £10.699.22 Total Claim = £11220.22 ( which is WHOPPING ! ) Outstanding Balance with DCA £4500 ——————DCA————————— MBNA card taken out 2003. They then SOLD the debt of £4500 to DCA in 2011 ————————————————— As this is over £10,000 - my understanding it is eligible for fast track, but with me having to pay both sides if I lost ? I just cannot afford that. Any thoughts / ideas on the best way to play this ? Thanks as always.
  11. Hi, I've been with Brightside Car Insurance for last two years, however my auto renewal wasn't a great price but I was away working and I totally forgot to cancel in time & it was renewed. Luckily I got back within the 14 day cooling off period and called to cancel and asked how much I would be refunded from the first monthly payment taken via Direct Debit (£60)..I realised I would be charged the £25 cancellation fee & for number of days cover provided. The advisor said he could only cancel the policy and was unable to confirm the refund amount & I would have to call back once it was cancelled (the following day) altho he estimated approx £20 ish. However I called today and I was advised that I would actually owe them more money?... I was baffled and asked how & he explained that they as brokers charge a £25 admin fee and also my actual insurance company charge £25 also... I've never come across that before to be honest in the many years I've been driving?? The policy was auto renewed on the 11th January upon which they took payment of £60 the policy was cancelled on the 21st January. I have complained to Brightside & the advisor has arranged a manager to call me back (as no one was available at the time)..altho I'm not holding my breath as Brightside customer service is terrible if I'm honest..long, long waiting to be answered and the usual "robot approach" staff. Thankfully I didn't have to call them often but I was determined upon renewal I was leaving them (just a pity I didn't realise before it auto renewed) I've requested for Brightside to waive "one" of these charges as I really think it's ridiculous. Upon cancellation on the first call I was told I would be charged £25 cancellation & the days cover was provided ..nothing about the other cancellation charge? Has anyone else had a similar situation with two charges? Any help or advice appreciated.
  12. Good afternoon, In a nut shell. Opened a BC CC in Mar 2003. Missed a few payments which meant that i incurred Over Credit limit charges. Over the course of the next 14 years, it escalated. Despite missing payments and over credit limit charges, BC doubled my credit limit on 3 occasions, June 2009, March 2011 and March 2014. Leading to more financial trouble for myself which was impossible to get away from at the time. Finally got back on track in 2018 and managed to clear the balance, but still incurring interest and some charges. Prior to each limit increase, my record with them was nothing short of abysmal, missed payments, over credit limit, when i did pay i was rarely over the miniumum payment. 38 missed payments and 48 over credit limit from 2009. My question is, do i have a claim against BC for irresponsible lending? Regards G
  13. Have a car hp agreement, regulated by the CCA 1974 Had a dd bounce. just checked the conditions.. and its stating 25 for a bounced dd, AND 15 for a letter. Surely, they can't do both.. the costs are supposed to be 'reasonable' and a true reflection of the costs for a failed dd
  14. Hi All From recent activity and instilled confidence boost - going through all my SAR's and have literally hundreds ££ of charges to be reclaimed. SO - Initially Thinking of reclaiming unfair charges for a Lloyds CURRENT a/c running through Sep 2001 till 2007. The current account is now closed and has been sold to DCA. Just wanted to confirm ( as not many recent threads on this subject ) is the best route to take ( as over six years old claim ) is : - 1 ) Court Action ( MCOL Claim ) ? including Pre-Action protocol. Just read from from an old post c.2013 from Slick132 - Getting charges back on a bank current a/c is not likely unless :- 1. There is Financial Difficulty (or hardship) involved, and there is lending (eg an overdraft) in which case you could use The Lending Code to reclaim charges from March 2011 onwards. Is this still the case ? Many Thanks
  15. hi again to all,not been here for a while, anyway here goes- I have two accounts with Blemaine Finance/ Together, both accounts are serviced up to date however i have had charges applied when i lost my job around 7 years ago, i have been chipping away at these over the years to stop the interest mounting up, i want to look at reclaiming the charges 'if that's possible' the charges are described as follows- Multiple letters at £35.00 Dishonoured receipt charge £35.00 Cancellation of building insurance £75 Building insurance block policy charge £30 Building insurance £30 Monthly arrears charge £33 Letter £35 Visit £100 These are not one offs except the visit, Total combined charges just about fall short of £3k. if anyone could point me in the right direction as regards to reclaiming it would be most appreciated thanks to you all
  16. Hi all, Firstly apologies if this is in the wrong category. I’ve been with TalkTalk a few years now, not had a problem with them in all that time until my youview box stopped recording a few weeks ago. I called up and made an engineer appointment that I missed as I was stuck in traffic when the engineer arrived. It was no big deal, I called up and re arranged the appointment. My complaint is, when I first booked the appointment the agent explained the charges for missed appointments. When I rearranged the appointment I was told I wouldn’t be charged, they would waive the fee as I had only missed the engineer by a minute or two (my 13 year old opened the door to him so told me he had just knocked when I arrived home). Lo and behold, when my bill came the week after the charge was added on to my account. I called up and explained the situation but customer services weren’t interested in anything I had to say so I emailed the complaints department but have only had an email saying that someone would call me. I have already paid the bill as it came out dd but surely if I was told I wouldn’t be charged I shouldn’t have been. Shall I continue to complain or just leave it? (Apologies in advance for the long winded post!) Thanks
  17. Hi, I've got a problem with the delivery for an eBay item I purchased from Japan, and hope someone can provide some helpful advice. I received a letter from Parcelforce saying the package was subject to Import VAT of £14.08 plus a Clearance Fee of £13.50. My problem is that these charges are wrong, not incorrect, but wrong. The sender uses a tracked mailing service, and the address label on their packages ( I have bought similar items from them before) shows the value of the contents. My guess is that someone has misread the value, which is typed not handwritten, hence the request for import fees. I went to the Parcelforce depot with copies of the payment receipts, Paypal etc but they wouldn't even let me look at the package unless I paid the money. The value of the item is $10.00 including postage, so well under the limit allowed. I suggested they open the package to see the receipt to prove my point, but they refused and said if I didn't pay the item would be returned to sender. Provided the sender pays to have it returned, otherwise the item will be 'disposed of'. Yes, I am aware that I can pay the fees and then try and reclaim them from HMRC or whoever, but surely this is unfair, and assumes I've got £27.58 spare to pay out. Things would be a lot easier if I didn't care about receiving my purchase, but I'd like to have what I paid for as its unique. I've contacted the sender, on the off chance the package does go back to Japan, but I got the strong impression the item will just be dumped by Parcelforce. The sender is willing to re-ship, but that'll be another story. I can't be the only one this has happened to - has anybody got around this problem please?
  18. Received my bumper pack from my SAR request and contains about 500 pages of stuff plus a CD, after going through this lot I now put the info onto the CISheet which shows total charges of £3806 plus £5013 of compound interest equalling £8820. Ocean Finance charged £1000 for setting this all up which I guess is their secret commission Plus there is another £2000 in legal fee's not added to the account but held in limbo and to be charged at the end of the loan term. My question is do we proceed like we used to when claiming back bank charges and is this the correct letter to use? Dear Sirs, ACCOUNT NUMBER: XXXXXXXXXX I am writing to ask you to refund the charges which you charged to my account in respect of late payment fees to the sum of £ XXXX. I now understand that such fees are unlawful at Common Law, Statute and recent consumer Regulations. In addition your charges appear to represent an unfair term of contract which is contrary to the Unfair Terms in Consumer Contracts Regulations 1999 (SI. 1999/2083). My account falls within the ambit of Regulation 5 of the Unfair Terms in Consumer Contracts Regulations 1999 as I am a consumer. Your charges constitute an unfair penalty under Schedule 2 of the said Regulations, which provide an indicative and non-exhaustive list of terms which may be regarded as unfair. Under paragraph 1(e) of schedule 2 this specifically includes terms which have the object of requiring any consumer who fails his obligation to pay a disproportionately high sum in compensation. I would vigorously contend that this is the position regarding the fees which you deemed fit to apply to my account. I would like to bring your attention to the following statement by The Office of Fair Trading: "A term in a mortgage agreement which requires the borrower to pay more for breaching the contract terms than actual costs and losses caused to the lender by the breach (or a genuine pre-estimate of that) is likely to be regarded as an unfair penalty and to be unenforceable both at common law and (in a consumer mortgage) under the Unfair Terms in Consumer Contracts Regulations. I believe that the charges you have levied of £XXXX far exceed any true cost to yourself as a result of our breaches and any genuine pre-estimate you could conceivably reach. If you disagree, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put to as a result of our breaches, in order to reassure us that your charges really do reflect your costs. Thus I am asking that you refund the charges and other fees which have been levied on my account. If you do not respond, or you do not respond positively, within the time limits set out in your official complaints procedure I will enter a formal complaint to the Financial Ombudsman Service. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. Yours faithfully, XXXX
  19. Hi all. Today I received a letter detailing my arrears on my mortgage. Now Kensington have recently took over my mortgage from GE Money. GE sent a final letter to us a short while ago showing arrears of around £8000 (bad I know) but now Kensington have sent me a letter (received today) showing : Payment Arrears : £8946 Other : 0 Insurance Related Charges : 0 Fees and Security Related Charges : £4496 Total arrears : £13442 Does anyone know what the hell FEES AND SECURITY RELATED CHARGES are and can they add that much to an already heavy debt/burden? I dont know what this fee is for and they do not explain anywhere as to what is it for? As for as Im concerned, my arrears are £8946 and no more! We are paying are regular monthly payments as normal but trying to add a little extra each month to get the arrears down. Any help would be appreciated. Thanks
  20. Hello all, Unfortunately I was made aware there wasn't enough money in my account to cover a DD to Hitachi. I put money in the account on the same day but it must have been too late as the payment was returned later that day. The next day I have rang up to make payment only to be told there is a £22 charge which is automatically added. Do I have any grounds to claim this back. The credit payment is £25 a month is seems unjustified that the charge is nearly as much. I asked them to clarify what the charge was for but the kept referring me to the contract I signed. This happened 3 or 4 months ago, same scenario, same charge but I think I even rang and paid on the same day but still got charged. Can I claim that these charges are unfair and try to reclaim them? Thanks
  21. Hello All, Ive been a HA tenant for just over a year , so I'm now an assured tenant. Last year I recieved a list of service charges, which at the time seemed a little off/excessive, but being on a starter tenancy I sucked it up as to not cause trouble. This year however, I would like to dispute some of the charges and I was wondering what the best way of doing it was. I've looked all over the intertubes but there is very little out there. I've emailed the contact address on the letter outlining my concerns, and I'm awaiting a reply, but forwarned is forarmed as they say. I would appreciate anyone with experience of this chipping in. I'll just quote from my email to the HA, so you can see some of the issues I have with their charges... "Communal Cleaning: £315.82. I have lived here for over 12 months now and have never seen a cleaner at the property, or evidence that someone other than the resident have cleaned the very small communal area. Can you provide the invoice and a schedule of their visits please. Communal garden and grounds maintain: £318.39 As far as I can see , this building doesn't have any communal gardens or grounds. It fronts directly onto the street and has no grounds to the rear, other than the church graveyard that is maintained by the parish. Can you explain which "grounds" are being maintained and when I would expect to have seen the maintenance people? Could I also see an invoice for this charge? Communal electricity: £220.31 The communal area has 1 small heater and a light. My total bill for last years electricity for lighting, heating etc a whole flat was £750. I would like to see a bill or electricity meter reading as I believe £220 is excessive for such a small area."
  22. I own an apartment which I used to live in around 5 years ago before I moved into a house with my girlfriend, since then it has been let out and I have been paying all of the annual maintenance fees. I gave them my new correspondence address and they have been sending letters for the annual maintenance fees since then. In January 2012 the current management company took over from the previous management company. In May 2012 they applied a £114 late payment fee to my account. I disputed this, didn’t pay the fee and asked them to waive it. They did not respond and they have not chased me for this £114 since then. As the years went by I continued paying the annual maintenance to the present day, I am up to date with this and they have not sent me any letters until I received a letter dated 27 September 2016 where they state that I owe them £978.04 and they will shortly be commencing legal proceedings. I emailed them asking for an explanation and they have emailed over a sheet which explains how they have come to the £978.04: Extracts from their document: 28 May 12 – late payment fee £114 01 Jul 15 – general maintenance reserves including section 20 works £208.38 - paid 10/10/16 01 Jul 15 – insurance excess reserve £67.66 - paid 10/10/16 18 Feb 16 – legal fees re section 146 procedure £450 27 Sep 16 – administration fee £138 Total: £978.04 of which £702 is fees/charges I paid the one-off ‘general maintenance reserve’ and the ‘insurance excess reserve’ today as these seem to be acceptable charges relating to running the building. However, it seems they have added fees/charges/fines to the ‘reserves’ costs which they believe I have deliberately not paid but in reality I didn’t even know about the charges as they did not send me any letters about them. So I supposedly now owe them £114 late payment fee from 2012, £450 section 146 charge from Feb 2016 and £138 admin fee from Sep 2016. Total of £702 in charges which seems extortionate. I must stress they have not been sending me letters in regards to any of these ‘charges/administrative fees’ or the ‘reserves’ charges from 2015. I am totally up to date with all of my management fees and I would have paid the ‘reserves’ from 2015 if they had sent me a letter. I have told them that they have not sent me letters and they said they have. I have checked the address they sent them to and it is correct. I cannot believe they are threatening me with legal action – had I known about the 2015 ‘reserves’ charges I would have paid them just like I always pay my annual maintenance charge, and now they have added so many costs. How can I stop them taking this to court?
  23. Environment Agency seeks Boaters’ views sought in consultation on proposed charges READ MORE HERE: https://www.gov.uk/government/news/boaters-views-sought-in-consultation-on-proposed-charges
  24. Hello. I am 2 and a half years into a 4 year finance deal on my vehicle. It is all up to date at the moment. However I am changing job this month, but am going from self employed to full time employed and paid monthly. As I have no savings I will be going a whole month with no income so I am going to struggle to pay all my bills for this month. Before I start talking to the finance company about this to try and come up with an agreement (which I don't think they will be keen to do) what are the legalities of me missing one payment? I'm assuming they can't start repossession proceedings yet? I'm hoping they will agree to take just a small token payment this month then make up the shortfall over the next two or three but if they try to play hardball where do I stand? Thanks for any help.
  25. I took out a 10year secured loan from Ge money ten years ago this was transferred to prestige finance in November 2015 . The loan is at an end but I still owe 3800 . There are charges and interest on charges on this account approx 2000 without any interest etc . Can I claim these back I believe if I could it would clear the balance left . Also I've got to still pay this and cannot pay the whole amount . Do I offer to pay the same amount as I have been 600 per month ? Will they charge me more interest ? Also if I can claim who do I claim off Ge or prestige ?
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