Hi to you all who have taken out loans with this company me also being one I feel we are all same unite here cos we are all similar cases loans done by the company mine has been too trauma to put on here its cost me dearly in my nerves etc I just want to say thank you for saying on here to each and everyone of you I know we all have experienced same things to do with this company, please hang on cos I believe there is now light at the end of the tunnel. BLESS YOU all and try relax , sometimes it just takes one more to move the mountain . I had to remember nothing is impossible is it, release is coming we have to remember its just a loan and yours and my views count , whither its 1 person 2 people 50 people 1,000 plus people with same view multiplication is coming or is not needed because sooner or later it just takes the right place, action, things, people to change things.

I need some help urgently as I'm really on the verge of a breakdown with this. Until Sept I had a near perfect credit record and then as I was looking to take advantage of a renewing a few 0% credit card deals I started to be rejected. It soon became clear that I had a default for £4,600 on my credit file. I enquired with the company concerned and it relates to a property that I owned and had to take possession of in April 2013. It's a long story but it was derelict after it was abandoned by a previous long term tenant. Because I could not get insurance I sold it within 3 weeks of the possession order to a local builder. I also asked the utility company to remove the meters as with the property empty and falling apart it was the safe and right thing to do. So I thought it would be straight forward after I explained to them but not at all. After numerous calls and letters they say that it was in my name since Nov 2011 and sent me a bill with my name on. This could only have been obtained by the land registry or added on since I asked them to remove the meters in 2013. I have not been able to obtain finance since Sept 2017 and am falling into arrears with my finances. I'm in constant tears - I know this might sound irrational. I have just issued a summons for the costs and absolute distress for over £2,800 because I'm getting absolute desperate. I'm not greedy but this is really tearing me apart. I've kept the name of this major supplier off here as I can't think straight and don't want to say anything that might damage my case. Any thoughts please?

Hi, I live with my husband, we are both self employed, I had a baby in September and receive Maternity allowance. I was also receiving Working Tax Credits and Child Tax credits, around £80 per week. My husband is currently quiet with work so we asked the council for rent help, they told us they can no longer help and we need to apply for universal credit. We did this (horrendous application system!) and in the meantime our working and child tax credits stopped, we were never informed this would happen, i wish i had just left it as it was. We were relying on that money and now it has just stopped! We both had a job centre interview yesterday which is part of this ridiculous process and my husband has to go back yet again with business details. He only earns around £5000 per year , they basically want to see if it is worth him running his business, if he earns enough, if not they will make him look for other part time work - how on earth can he do that around a self employed business that is on demand (ie it depends when his customers want him!). This is all if we want to claim universal credit. So, i assume they will say he does not earn enough and will have to find other work....we do not want to do this so my question is, if he says no to looking for other work, will we just get no help....even with a new baby. Am i correct in thinking that £5000 per year approx will not meet their requirements? Just wanted a little bit of advice before we see them again. The whole new system is ridiculous, i have worked and paid tax all my life yet when we need a bit of help we have to fight for it, yet people who dont want to get a job, try their hardest NOT to get one, receive all the help there is out there!!! Any advice appreciated

Hi all, I will try to keep this as brief but informative as possible, after suffering a nervous breakdown some 16 years ago (work related) I moved back to my home town along with my husband, the intention was to help my recovery. I was granted benefits for both myself and husband...I was on incapacity and claimed for him. After many years of various treatments and medications my mental health is wobbly at best. I am still in and out of counselling, I need my husband for support on a daily basis (as any one with mental health problems will understand) amongst all of the medication and fog that engulfed my life I somehow had a baby some 8 years ago, we are a nice little trio who get by...still on full benefits. Before my son was born I was on DLA for a few years but came off because I couldn't cope with the assessments. we have never applied for carers allowance. to be honest I don't know how my husband has stayed with me. I was called to my local office for a medical almost 12 months ago and they agreed that I was not fit to work and needed my husbands continuing support. Since then I have been contacted twice by my local job centre for help getting off benefits and back to work. I have done both interviews over the phone. Part of my condition means that I catastrophosize (yes it is a word...although probably not spelled right)This means that the slightest problem I experience is multiplied 1000 fold in my head, it inevitably takes over my life, making it difficult for me to cope with every day tasks. My next appointment is due in September I am already finding it difficult to think about anything else, my husband is willing to work, however I really don't think I could cope, sometimes |I cant leave the house let alone go to school to collect my son. I don't know what my options are but I am finding it increasingly difficult to cope. can anyone help many thanks