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  1. Hi, I am having problems paying bills due to lack of work and have agreed temporary monthly payments with several CC companies including to my surprise after reading the forum MBNA. The only real pain has been Barclays Partner Finance who will not accept my offer for a token payment and have pressed me to pay more. They have received an income and expenditure report compiled with help from the CCCS but still ask for what I cannot afford. The loan was for a car which has since been sold and a cheaper one aquired to reduce costs and enable me to work.
  2. Hi, myself and my wife have a secured loan with welcome finance but due to financial difficulty and other issues we have had with Welcome we have not been paying it since 2010. We have now received letters to say that the debt has now been sold to Cabot and they now hold all rights to the account. They have appointed Marlin as their managing agent. Does this mean that this account is no longer a secured loan? If it is not, does this mean that welcome never executed the loan correctly in the first place because they could have just gone for a repossession.
  3. Name of the Claimant - Motormile Finance Date of issue – 28/04/2017 Date to acknowledge - 16/05/2017 Date to defence - by 4pm 30/05/2017 What is the claim for? 1.the defendant owes the claimant £100.00 under a regulated loan agreement with ariste holding ltd t/a cash genie dated 30/05/2014 and which was assigned to the claimant on 27/04/2016 and notice of which was given to the defendant on the 27/04/2016 (debt). 2.despite formal demand for the payment of the debt the defendant has failed to pay and the claimant claims £100.00 and further claims interest
  4. 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 commissio
  5. 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.
  6. Name of the Claimant Hoist Finance UK Holdings 2 LI Date of issue 30 NOV 2018 Particulars of Claim 1.This claim is for the sum of £1678.00 in respect of monies owing pursuant to an overdraft facility under bank account no XXXXXX The debt was legally assigned by Hoist Portfolio Holding 2 Ltd (EX SANTANDER UK PLC) to the Claimant and notice has been served. 2.The Defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account. 3.The Claimant claims 1. The sum of £1678.00 2. Costs Have you received prior notice of a claim
  7. Hi All Tesco Credit Card taken out in 2004 and got into difficulties 2007/08 Been gradually repaying debt since then Last 4 years been paying £50/month Current balance circa £2,500 Went through I&E with Tesco in January and agreed £50/month for next 12 months Tesco letter and Intrum letter came together in one envelope from Intrum last week Per Noddle, Intrum have done a search Tesco letter says: "If you have an active repayment plan in place, and your circumstances haven't changed, you can continue to pay off your balance as you are now, but paying Intrum UK Fina
  8. Hi all, so this is an interesting one, I joined a gym.. locally.. online.. they had a separate finance firm ‘Debit Finance Collections’’, and it’s a local trust gym.. to cut a long story short, just after joining I went on a course at work and was out of the area for a while and pretty busy, when I got back I realised I just wouldn’t have time to use the gym and to be honest there’s one closer to my work which is better placed.. I called up DFC (bearing in mind I haven’t set foot in the gym, picked up my card, had a letter.. nothing..) and that was when I was told, as I
  9. 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 rem
  10. 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 an
  11. Purchased a car in May on finance, car was £5k so not a small amount (7.2k after all finance is paid over 3 years - sub prime) I arranged the finance and was given a list of approved garages I could pick a car from. Went to see the car, signed the paperwork and it was delivered to me on the 21st May. I found out after buying the car it had a reconditioned gearbox and made the finance company aware of it - I was not happy. Anyway, a week ago I noticed the coolant looked weird, it had gearbox oil in it. I have taken it to two local trusted garages and neither will touch it. The last garage
  12. HI, im new to this service so please bare with me. back in 2016 my partner signed upto brighthouse for a washer dryer combo, we paid £50 inital payment at the sign up and two payment of £30 a fornight there after. after a month had gone by and we still hadnt received the item in question we stopped paying. Shortly after this we had split and was going through courts for custody battle, so didn't have the time to chase this up In 2018 we got back together and decided to chase up the debt that brighthouse owes us, on febuary 22nd 2018 we spoke to a customer ser
  13. Please can you guys advise me what I can do. The Third party insurance making it very difficult and seem like they are looking for ways not to pay. If this is the case I will be liable for the costs, which would set me back in life. Background 1.I had a collision, and claimed for the damage to my car personal injury. (it was non-fault but the Third party claimed 50/50). The case went one. 2. Third Party gave me a cheque for half on non-prejudice basis. The day they sent this, My solicitor took the hire car back from me. 3. Cheques take some time to clear, However I
  14. Morning all I unfortunately defaulted on a Tesco Credit Card in 2011. I continued to pay Tesco a small amount each month and the Default came off my Credit Report after the six year period in 2017. Yesterday I received a letter from Tesco advising they had sold the debt to Intrum Finance. Oddly enough it was in the same envelope as the letter from Intrum advising they now had ownership of the debt and in one paragraph they said "the Credit Reference Agencies will soon update their records to say you owe money to us, not Tesco Personal Finance". As it is over six years since
  15. Hi All, I am looking for some help, my husband has recently passed his driving test but only has an automatic licence and we are in the process of changing our car. We have already been accepted for finance for a new car with another company with better rates. We took out HP finance with Advantage Finance in July 2016, the agreement was for 54 months. If my calculations are correct we have made 29 payments back which is over the 50% they state you need to pay before you can proceed with a VT. I have sent an email and letter to inform them I was to terminated with immediate effect an
  16. Hi All, I'm after some advise please, I took out a joint HP agreement last January with these, all payments up to date until I wrote off the vehicle in October, the insurance paid them a settlement figure and CLS advised them there was a £433 shortfall, as it was almost Christmas it slipped my mind, 11th Jan both my partner and I received a default notice for £1323, now this morning, received a termination letter stating 'subject to clause 9.2 of the agreement, you must now pay the full outstanding balance to us of £4379, can someone please advise where I sta
  17. https://www.consumeractiongroup.co.uk/forum/showthread.php?490294-Received-A-Letter-From-Welcome-Offering-To-Give-Refund&p=5172113#post5172113 Hello. What was the outcome of your refund ? Did you get it ? I have received one of these letters today offering a refund. I was surprised as I think they already knocked off the PPI from my original claim from about 8 years ago.
  18. hello any advise would be greatly appreciated. 6 months ago we bought a Audi a3 on finance over a 4year contract after a few weeks the Audi started cutting out while driving and would roll to a complete stop RAC called out recovered to a garage after a week no faults were found and we collected the car this started happening on a weekly basis after an hour or so the car would start and go until it cut out again. we got in contact with the car sales garage they agreed to cover any costs as long as it was not caused through wear/tear rang finance company and mad
  19. HI I am wandering how I can find out if I was charged PPI from these brokers, it was either Norton or ocean, they got me a secured loan with Swift finance back in October 2005, I literally don’t know where to start. I was ripped off by thousands by swift, at the time I was gambling heavily and basically ended up selling my home to clear the debt, I have put of trying to find out anything because it just takes me back to a time when my life was in ruins, now I feel like It’s the time to try Any help would be appreciated, I also had a mortgage with preferred and Gmac, eould it be wo
  20. I placed an order in early December 2018 for a surround-sound speaker system, along with HDMI leads. The items mostly turned up on time, but the HDMI leads were "awaiting stock from the manufacturer". I have since had a to-&-fro via email with the online supplier (a well-established UK company, who also has several physical stores in the UK). I have now been told via Phone that the leads have been cancelled/recalled by the manufacturer due to a quality issue, & cannot be supplied. This leaves me out-of-pocket by just under £200.00. The phone-discussion I've had with the online re
  21. Hi everyone - haven't been on this forum for ages which is probably a good thing as it means I have no problems that need solving, but need to use all your brilliant advice again. Got a letter from Direct Auto Finance saying I could claim for PPI, they sent a form and also asked for copy of my agreement (which I did have, think was from 2012) filled it all in as we were conned, I remember the sales guy saying we had to take out PPI otherwise we could not get the car without it even though it was over the amount we could afford and kindly left the room for us to "talk about
  22. The company we all can not forget, for their poor quality customer service and who cares attitude which landed yes BUST I had a letter in december from them at my new address, the property was built in 2013 so would of been impossible for them to obtain from me. I checked all of my credit files and no searches, Direct Auto finance claim they got it from equifax... so I ask equifax they say no they have not. Direct Auto finance claims that they have the right to trace my address for legitimate business reasons, and they also have to right to still keep 12 years after the end of
  23. I bouight a car from a private add in autotrader . I carried out an RAC hpi check and there were no issues. now a finance company (credit plus) claim its theirs and are taking me to court.
  24. Evening all, Since around May this year I've received a shocking amount of post related to alleged debts against my name, I binned most thinking the sc@mmers would get bored... tonight I've just had somebody knock at my door saying he was from Robinson Way debt collectors, I played dumb and said we were not who he was looking for (with a mouth full of tea and my youngest on hip). He said he'd have my addressed removed from the system, I know he wont, I also received a call from them a number of weeks back... where they got my number I'll never know. Now...
  25. Hello Consumer Action Group! Having a bit of trouble with what I have found out to be a gym contract. The timeline of events is as follows March 2018: Was given an introductory Jiu Jitsu lesson at Gracie Barra Barnsley. After this I then paid £60 up front and signed a direct debit mandate so they could start one with my bank. They specifically told me this is not a contract and only like one in that fees can go up if I want to go to more advanced classes. August 2018: After attending for 3 months I was unable to continue due to other commitments and the fact that the schedule th
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