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About Me


Found 20 results

  1. I kid you not. I do it all the time, this time there was a trout on the out of date shelf going for the pricely sum of 10p! So I decided to take a photo of it and post it on twitter with the line 10p trout! for a laugh, because I'm a bit silly. No sooner had I taken the photo though before one of the staff came up to me and said he was afraid he was going to ask me to delete the photo as they don't permit taking photos of stock or prices or something. I was like, are you have a laugh mate? Is Jeremy Beadle hiding round the corner? Nope, he was serious and when I said no he the
  2. Hi all, Havent posted in years but I just wanted to find out if anyone has had any good progress with Picture / IDEM I tried to dispute and gave up with all the red tape but after realising that I have been paying on time for 90 months and the loan hasnt moved I have found the fire again... below are my details I stupidly took out a Picture Loan in Sept 2007. the loan amount was for 25000, Picture added 5000 PPI to the total loan so the loan amount was 30,000. I found this out after and in discussion with FCSC regarding this.... Some months I have paid £500 with th
  3. Hi all, Wondered if you could give me some advice. I was in Grahame Park in Hendon today and needed to pop to the Sainsbury's local store. There was a lay by to the side of the store which had cars parked in it already and I pulled in, was just about to get out of the car and a bloke walking past said "Don't park here mate, its a loading bay and they are taking pictures of the cars". I thanked him and got back in the car but as I was pulling out into the traffic, a woman appeared and took a picture of my car and the registration plate. I went back there later
  4. Hi, I've just come across this site and amazed at how many ppl are/were in my position. I am a new user. I too have a Picture Loan and was wondering if it is to late to apply for PPI refund? I previously had a picture loan in my sole name. My partner and I decided to consolidate our debts and take out a joint loan. Picture added what was outstanding from my single loan to the joint loan. The agreement said the PPI was optional and we said we did not want it. The PPI was still added to the loan. We paid off what we thought was the loan and Picture insisted we still owed jus
  5. Hi I would like to send a letter to my loan company offering them an increased payment monthly to clear off the arrears on my account. I have completed a budget sheet and will include this with my letter. Is there a template I can use, or can someone help me with the wording please. I have received default notices and i think the lender is taking legal action and looking to repossess. I want to stop this if possible please. Thanks.
  6. Sorry for having to create a new thread. I know there is already a lot of great information out there already and I have read loads already but I need some fairly specific advice with this one. So the story goes: I took my Dads car to the office the other night. We have use of a car park that belongs to a bank that we sublet an office from. All thats required is a little paper permit that I have had sitting between my dash and windscreen for months now without any issues. The other day my Dad sent me a text saying he had received a letter about a PCN being "overdue". He sent me a c
  7. Hi, This is the first forum I have registered with so if I am asking the wrong questions on the wrong forum I apologise. In 2007 we took out a loan with picture, it changed hands and went to Webb /resolutions and I believe again Idem services. We originally took out the insurance in case my husband lost his job. Apparently it was for the first 5 years, I was informed today that at then of the 5 year term we would receive notification from them to ask us if we wished to take out further insurance. In the 5 years the company changed hands, we did
  8. Getting married soon and ordered a personalised cake topper. When it came it was not really the same style as the photo example. Specifically, the "Mr" and "Mrs" are not at different levels and the first letter of our surname is not overly large as in the example (see below) The example pictured is as so: The one we got looks like this (click for bigger): [ATTACH=CONFIG]54567[/ATTACH] Emailed the seller the asking if she could make one with the above features, reply was: Thank you for getting in touch, I apologise for the long delay in getting back to you. We are
  9. I am really needing some help. I have a house valued at £110,000 and a mortgage of £105,000 which I may need to sell. The only problem is I have a secured loan of £34,000 on my home through Picture (or whoever they are now) which has arreas of £650 and they will only get bigger as I am no longer able to afford the loan. What I am wanting to know is am I allowed to sell my home even though the secured loan won't get paid off. I am intending to rent if I can sell my home. Any advice would be much appreciated. I don't want to sell if I don't have to but will Picture?? take my home even if t
  10. Anyone who has recent dealings with Picture home loans since January 2013 please get in touch as I am looking to get people together to tackle Picture Home Loans head on by getting a group together to request documentation from Picture. They are legally obliged to submit to show the transition from Picture Home Loans one through all this service agents they used to Picture Home Loans 2 and associated paperwork with each loan as I am pretty sure they do not have this paperwork which will be of great interest to the FCA and may well expose through the FCA this ca
  11. Hi there, I wondered if anyone can help please? I stupily took out, in total a £58k loan from Picture and then got into difficulty. Picture then froze the interest when I got into arrears. I was single, living alone and panicking about my finincial situation and this option was put to me via a broker (who's now bust) I have £6,500 of arrears from 2006 but kept paying the same original agreement amount of £660pm. Other things suffered as a result but I just had to keep a roof over my head! I didn't keep a track of it but just paid every month. I've now taken my head
  12. Hi there this is my first time posting here and any advice greatly received. In 2006 I took out a loan from picture financial which was almost certainly the worst mistake of my life! The original loan was for £72K and was taken at a time when almost certainly I should have looked at a debt management plan instead. The debt has now been taken over by Webb Resolutions but I have never had a statement about the loan for at least 4 years although the payment is still collected this month. This morning I called to enquire about a settlement figure and was informed that the amount wou
  13. Hi, I really need some advise please re a loan secured on my home. It was taken out 5 yrs ago, still 5yrs to run. It is in mine and ex husbands name, but secured on my home. He was paying in full up until 1st March, and suddenly stopped paying - and since then I have had numerous calls and letters from them. I have agreed to providing an income/expenditure, which will show I am unable to make any payment ( just lost half my work hours, and struggling to survive). Question, should I talk on phone to them, or ask to correspond through letters? I am already feeling pressurised by them, and only
  14. Mujibar was trying to get a job in India .... The Personnel Manager said, 'Mujibar, you have passed all the tests, except one. Unless you pass it, you cannot qualify for this job.' Mujibar said, 'I am ready.' The manager said, 'Make a sentence using the words Yellow, Pink, and Green .' Mujibar said, 'The telephone goes green, green, And I pink it up, and say, Yellow, this is Mujibar.' Mujibar now works at a call centre. No doubt you have spoken to him. I know I have.
  15. When I register my 18+ student oyster card I upload wrong picture(my wife's picture) mistakenly. And keep using that oyster card with my wife's picture on it. Yesterday ticket inspector caught me for wrong picture on my card. He took the oyster card with him and issue me a 2 weeks paper travel card. He said British transport police will investigate this. It was a genuine mistake and i was lazy to apply for another 18+student oyster card. Now I am scared........ do you guys think will i get a criminal offense?
  16. I took out a picture loan in 2006 have “Payment Protector Insurance” which is a hefty sum of £17,714 for the insurance alone. It states on the loan agreement that it is optional but I was told that I would not get the loan unless I had the insurance Also I have had 3 payments back from picture for non claiming within 5 years can I claim the rest back? Thank You
  17. Hope this is the right place to post for this! If you took out a secured loan with insurance, and the company didn't make it clear to you that this would be treated as an additional loan (the insurance part of things), has this been mis-sold?
  18. Hi I am new to this so please bear with me. I have been trying to find out some information regarding Picture home loans (now Webb Resolutions) and the legality of the loan in the first place. I took out a loan with Picture back in February 2007 and fell into arrears within 6 months. Got back on track for a while but have been struggling for about 3 years now since my husband was made redundant. We have filled in at least 3 income and expenditure requests and have offered to make a nominal payment but they have ignored this and just want the arrears plus the normal monthly payments.
  19. What I would ultimately like to know is if I can get some recompense for these issues. Issue initially reported on the 27th May regarding poor picture quality on only the following channels. ITV1+1 and ITV1HD Channels ITV2/3 and 4 are fineIt also occurs on Channel4+1 and Channel4 HD but not E4 or E4+1 Since reporting it on their site I was contacted by a rep and not sure what they done but been fine since. In the last two days it has reaered its ugly head its absolutely horrendous, trying to watch the French Open Fnal on ITV 1 and again poor been likes this for a few days now..
  20. Hi I have a secured loan on my house. I want to move house - can I move house and take the loan with me or does it have to paid off with the equity from house? If I do this I won't have a deposit for the new house. Any advice would be appreciated Thanks
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