hello, hoping someone can help and point me in the right direction. In hindsight I wish i had done some reaesrch beforehand and found this site 10 years ago as now i wouldnt be in the mess that i am in so in 2008 i was in desperate need of funds. I approached a broker who introduced me to lancashire mortgages. initially i went for a bog standard mortgage but due to my circumstances and being self employed it was turned down at the initial stages. they did however offer me a secured loan. i should have seen it then that it was a trap. i took out a secured loan in august 2008 for 26k adding in fees etc it came to 30k. my payments were set @ £310 per month for 300 months in the agreement. I was stupid and desperate and didnt fully understand what i was getting myself into Having re read the agreement now (as i recived a letter a few days ago, more below) it stated in a clause that i understood that this agreement was not to be regulated by CCA. had i done my due diligence and was not so desperate i would never in a day have signed something like that. The first year went fine. all payments made. then in 2010 my employment became erratic and i started to miss payments. the usual threatening letters and calls followed and they put the £35 charges on to the account more than a few times. i always made the arrears payments as soon as i could. over that year and a half i got in total 44 call charges of £35 each and 5 £150 for letters sent for initiating proceeding and 3 for sending letters advising possession proceeding starting @ £500 a pop. It was a bad time. However i paid all the arrears off etc (not the additional charges they popped on) Since then i have always paid on time. for the last 7-8 years i have never missed the agreed payments always in the hope that i can save and pay off the damn thing (I can hope cant i?) the other day i get a letter with a break down of my payments since 2008. I was horrified that i have paid near enough £30k since then (the total loan amount) and there is still 15 years left which means ill end up paying over 90k if i continue!!!! that wasnt the worst however, they have said that my plan isnt on schedule and i have to pay £12k by mid august (given literally 2 weeks notice), to give them a call to discuss options. I literally broke down. no outline as to what that £12k consisted of and no breakdown. letter just says that i had failed to keep to the agreement (well the agreement was to pay £310 a month for 300 months which is what i have been doing) . The agreement was to make 300 payments of £310 per month which i have been doing on a regular basis for 7-8 years now with no missed payments. the APR has always stayed the same with no change even the payment breakdown shows this. Yet the interest accrued was now at £380 per month. looking at the outstanding balance its at £38k!!!! i literally broke down and haven't managed to get out of bed until now I have read all the other posts and know that it changed they from blemain to together. I need to get out of this bad situation. I always knew that i would have to make the payments each month and id have to pay the initial loan amount which was inevitable with such leaches. I was bidding my time to pay as low redemption as possible. started off at 5% and now its only 1%. also with the hope that my fortunes would turn and i would have the funds to pay the leeches off in one go. However the outstanding balance is now £38k and they want an additional 12k and thats not even redemption figures. To top it all off they have registered themselves on my property with land registry. No where on my agreement does it say thats its regulated by the CCA in fact there is a small clause on the first page which states that i understood that it wouldnt be regulated by the CCA and stupidly without understanding the consequences i signed. I thought after april 2008 that the 25k limit was lifted for such agreements to be regulated by the CCA as its what i have read on other posts on the forum? and thus am i right in thinking that my £30k loan is regulated regardless of the tactic they used to insert that clause? is my agreement regulated? can they be adding the interest like they are without even once notifying me that its increased and to advise me to increase my payments? the interest rate has always been the same since day one.. never have they contacted me to say i need to increase payments(why would the i know).. So stuck... they are ripping me off left right and centre and i dont have the will to live. bleeding me dry like leeches. What can i do?? i have to call them in the morning to discuss options but i wont say much or agree to anything as surely this must be illegal or downright immoral. i must have some type of recourse? Can some one help? shed me some light? Thank you...

https://www.theguardian.com/commentisfree/2017/aug/03/britain-world-beater-ripping-off-citizens-rail-fares-water-energy-bills British Gas increases its electricity prices will rise by 12.5%, starting next month. Just as the cold nights start drawing in despite the competition watchdog judged last year that British Gas and other energy giants were taking well over a billion pounds a year through “excessive prices” Thames Water divvied up £1.6bn in dividends to its small circle of shareholders Hinkley Point, at an estimated cost to British households of £30bn taxpayers still pay £12,000 a day for shut down pfi schools Tories currently trying to stealth sell off to the private sector for just 50 Million quid part of the NHS that SAVES the NHS 70 million pounds a year "These are all examples of the public losing control – over our bills, over our taxes, over our water and trains and schools. Will freeing ourselves of the shackles of the European court of justice or EU state aid rules or any other Brexiteer hobbyhorse allow us to “take back control”? On the basics that govern our lives we have lost sovereignty. Brussels didn’t sell us down the river: Thatcher, Blair and Cameron did."

I am currently with Vodafone and have been for years now. Cancelled a contract with them which they then put all the outstanding month bills into one. Now they have suddenly said I need to pay all in one lump sum which I can not do. On one month they hadn't taking out a bill and because of there mistake I was getting charged left right and centre. they first said I could pay £186 each month and now suddenly I have to pay the whole lump sum. they were threatening me over the phone for £150 today and the rest next month otherwise they would have cut off my phone line.

What can I do? When I first moved here last year, I gathered the landlord had passed my details on to the water company like they did for gas and electricity. Back in Jan, I had a letter from Welsh Water addressed to the occupier/owner which pretty much said that they believe the property to be empty and if so could I contact them and ask them to cut off the water to prevent leaks if a pipe burst. I did the right thing and got in touch with them, said the date I moved in and explained that my landlord clearly didn't pass my details onto them. For my honesty, they then issued me with a ridiculously high backdated bill which runs from August last year right up until something like march next year (So contains what I owe backdated and the yearly rate). Unfortunately this estimated usage rate is nowhere near a fair amount. I am a single person living in a 1 bedroom property, that only has the washing machine on twice per week at most and only has 1 bath per week here (Because I hate baths and don't have a shower. I just go to another persons home for showers). Their estimated usage amount is around the £40 a month mark. I am a very eco friendly person which is reflected in my gas and electric (which cost's me less than £20 a month for both). Now, I am in the process of having a water meter installed. While I wait though I am having over £70 a month taken off me via direct debit. I asked them via email, that if when I have a water meter installed, the accurate bill for first 3 months is considerably lower than the estimate, would they refund me the amount I have been overpaying? They said no. Can they actually do this? Is there any way to get my money back that has already been paid once the water meter proves my usage is significantly less than what they estimated? Thanks

Halifax What was Halifax’s response? Did it review the premium and reduce it to reflect the prices that other people were paying in the market? Oh no. What Halifax appears to have done is reopen her former mortgage account with the bank, then charge the insurance premiums to that account. Halifax then continued jacking up the price every year, to a vastly inflated £800 at the time of her death – a figure her son says is around six times the going rate. The final insult was that Halifax charged interest on the unpaid premiums, making ever more profit out of its elderly, loyal and vulnerable customer. Full Article Nationwide The case of a retired London professor, John Stanworth, is among the most egregious. He lectured on business ethics and social responsibility, one reason he stayed with member-owned Nationwide for 40 years. Nationwide’s home insurance is provided by Direct Line, which in recent years raised Prof Stanworth’s premium to £1,100 for cover he could find elsewhere for about £300. Worse, when he made a £3,850 claim for flood damage, the loss adjusters reimbursed £400. Full Article Rias So how did RIAS repay Burton’s trust? Anyone who has been reading my recent columns about the rapacious behaviour of home insurance companies when it comes to loyal, older customers, won’t be in the slightest bit surprised to hear what RIAS did. In the early years it shoved up the premium by around 15% a year, then by 30% between 2014 and 2015. Yet throughout the period Burton had not made a single claim. Indeed, he is an almost perfect customer for an insurer, having not made a claim since 1977. Yet in the space of five years RIAS doubled his premium to £345 Full Article Saga It came out of nowhere. With no clear explanation, a retired academic saw the insurance premium on his second home leap by 56% – even though he has made no claims and the house is in a sleepy countryside village. When Philip Jones* called Saga, which insures both his London home and the holiday home, to pay his premium for this year, he was told the cost had jumped from £280 to £436. His experience echoes that of other Guardian Money readers, and reflects an ongoing problem in the industry whereby some insurers have been accused of taking advantage of loyal customers by bumping up their premiums, sometimes via automatic renewals. Full Article Financial Conduct Authority (FCA) Millions of people should enjoy cheaper insurance after the City regulator announced measures to tackle the problem of companies bumping up the premiums of loyal policyholders. The rule change will mean that all renewal letters relating to motor, home, medical, travel and pet insurance will have to clearly flag up the amount the customer paid the previous year alongside their quote for the coming 12 months. Full Article Financial Conduct Authority (FCA) Consumers who pay for car or home insurance in monthly instalments are being charged interest as high as 75%, according to the Financial Conduct Authority in a highly critical report on the £18bn-a-year industry. Nearly half of all households in Britain pay for their insurance in monthly instalments, but many are not told the high cost when buying online. The FCA tested 43 insurance and broker websites, including the major comparison sites, and found that 19 did not tell the buyer in full about the additional cost until they had to enter their payment details. In four cases, the interest charges were not displayed at all. Full Article

Hi, am looking for advice with how to deal with my builder. I signed a contract with a Loft company to build a new loft, good references, I met on of their previous clients and was happy to use them. They subcontracted the work to a builder who did a good quality job, however was very slow and indeed the project is still only 95% complete after 8 months. I'm not too concerned about this as I still have one final payment to make and believe the Loft Co will complete the work. On the back of this work I signed the builder to do a kitchen extension for us (for a good price of £32k). Foolishly I paid a large deposit for this work, and subsequently paid further amounts ahead of schedule and now estimate the builder has approx 20k of my money. I believe he is encountering serious cash-flow problems as none of his team appear, I've had people at the door trying to find him for outstanding payments and he repeatedly asks for more money. We had a frank conversation where he admitted the above and we worked out a plan whereby we would spread the remaining 10k of work to be spread over the remaining project. My idea being the more work he did the more I would recover the money I'd given him and would encourage him to continue working. My immediate concern is that while he is working, it is manual work requiring little in the way of materials, and that once he needs to have timbers/beams delivered etc he will have no money and will disappear. He promises me these materials have already been paid for but I have no faith in these promises. If I can establish that he has in fact paid for these materials can I approach the supplier directly and ask for these to be delivered? At least I can try and minimise my loss which I feel pretty sure will happen. I'm torn between continuing on our current plan in the ope that he will actually complete the work, or cutting our losses (approx 18k!!!) leaving us with half a kitchen and I'm not sure we can raise any more cash to complete this work. Any advice very gratefully received. Thanks

Experienced motorists are being wrongly stripped of their entitlements, then find themselves unable to prove they ever passed their tests because the agency has deleted its records We've had these complaints on here. I've posted this article in full in case it disappears from the newspaper: For the past four months Shane Rae has been living under the threat of having his driving licence taken away – yet he has committed no offence and his 30-year driving record is unblemished. He has even been forced to retake his driving test and take on a solicitor to fight his cause. And the reason for all this? Rae, 45, moved house and sent his licence to the DVLA to amend his address. It was returned minus his entitlement to ride a motorcycle – and when he complained he was warned that his car licence would be revoked as well because the government agency had no record of his qualification to ride a motorbike or drive a car. Rae is one of hundreds of motorists who have found themselves stranded after sending their licence to the DVLA to have it amended, only to be confronted with a demand that they provide proof that they passed their test, even if they took it decades ago. He says the whole experience has left him feeling like a character in a Kafka novel – and adds that even the clout of the prime minister, who happens to be his local MP, hasn’t succeeded in getting the department to see sense. The DVLA is already in the doghouse with many motorists after a new online system that affects people hiring a car was plagued by technical hitches earlier this month, and the emergence of this latest problem will only add to the pressure on the agency. Rae told Guardian Money that he exchanged his Canadian licence for a full UK one in 2000 after submitting all the required evidence from the Canadian authorities, “and since then I haven’t incurred so much as a parking ticket”. He adds: “When I complained about the missing motorcycle entitlement the DVLA told me it destroys supporting documentation for applications after 10 years and that it could therefore find no proof that I was ever entitled to drive, despite in a separate letter confirming that it had scrutinised my documents when amending my licence in 2004. “I was told I would have to request evidence of my entitlements from the Canadian authorities – yet in the same breath the DVLA admits that Canadian driving records are destroyed if they remain dormant for more than 10 years.” It turns out that Rae is far from alone. Paul Chapman, who runs a motorcycle training school, was one of the first to realise something was amiss after receiving dozens of calls from motorcyclists who’d had their entitlements removed after updating their licence. “I’ve had couriers and HGV drivers come to me who have lost their jobs because of this, and 50-year-old bikers who have had a licence for 20 years until they applied to update it,” he says. In its response to a freedom of information request submitted by Chapman, the DVLA insists it retains all driving entitlements on computer and microfiche, and destroys only the licence applications after a 10-year period. The trouble is, it is the also-destroyed supporting documents provided alongside these applications that the DVLA insists on viewing when querying the validity of long-held licences – and the onus is on the motorist to provide them. Chapman says: “I have had to create cheap, quick ways for these guys to take their test again in order to apply for a new licence, but you’re still looking at around £600. The DVLA’s attitude is that it never makes mistakes, and that if a driving entitlement drops off your licence it is up to you to prove that you ever took a test, when it is its job to store all that information. It’s almost worth getting a speeding fine every three years so that the police have a record of your licence.” In the case of Rae, who works in publishing and lives in Oxfordshire, he has spent well in excess of £1,000 on retests and legal fees. His solicitor persuaded the DVLA to delay revoking his licence, which could have jeopardised his job, until he could retake his test. “The DVLA was in effect saying it was happy for me to carry on driving, even though it insists I don’t have a valid licence,” he says. However, he then discovered that possessing a full licence disqualified him from taking a driving test. “The DVLA confirmed there is no way for me to take the test again unless it takes away my licence, so it has revoked it again for its computer system to then allow me to book a new test to replace the documents it admits it has seen but since destroyed,” he says. Rae adds that David Cameron has written to the agency on his behalf three times, “which as far as his office is concerned is unprecedented”. There are fears the problems will worsen now the paper part of the licence has been abolished, along with tax discs, leaving motorists at the mercy of the agency’s digital records. The DVLA has an online service that allows people to view their driving record – for example, vehicles they can drive and any penalty points and disqualifications – but this does not include historical information about previous entitlements, so it will be no use to those who are suddenly required to produce evidence of decades-old qualifications in order to keep their licence. Another driver caught up in this is Steve Sylvester, 51, who lives in Derby and held an HGV licence and a motorcycle entitlement until he sent his paper licence to be swapped for a photocard in April. He was reissued with a provisional car licence. It is almost worth getting a speeding fine every three years so that the police have a record of your licence “I have held a full licence for 25 years and, as I worked as a security driver for Barclays, it had to be vetted by the police, who found no problem with it,” he says. “I sent the DVLA the make and model of the car I took my test in, as well as the name of the instructor and the driving school, but they demanded the test certificate that I sent them 35 years ago. My job was on the line because I need to be able to drive, so I had to pay £200 to take my driving test again and apply for a new licence.” Meanwhile, it was a speeding fine that alerted Dave Knox, a 64-year-old teacher from Merseyside, to the fact his motorcycle entitlement had been omitted from a replacement licence. “I passed my test in 1972, but had to apply for a replacement licence when I lost the original on holiday,” he says. “A few years later I got pulled for speeding and the police confiscated my bike because it turned out the replacement licence didn’t include my motorcycle entitlement. When I complained to the DVLA, it told me I’d never passed my test.” Knox received a court summons for riding a motorbike while unqualified, but his driving record provided by the DVLA was so full of errors – “it even suggested I’d had three licence changes in one day, which is an impossibility” – that the court ruled in his favour and his motorcycle entitlement was restored. “I got no compensation for being unable to ride my bike to work for six months, or for the £150 I had to spend insuring someone else to ride it from the police compound,” he says. The DVLA told Money that it cannot issue licences in “good faith” alone. It declines to discuss individual circumstances, but says that in Rae’s case information came to light from Canada that cast doubt on his entitlement to drive. This information, according to the DVLA’s letters to Rae, is the fact that Canadian driving records are destroyed after 10 years of dormancy, so it can’t re-examine his certificate which allowed it to issue his UK licence in the first place. The agency says it never removes valid entitlements and that rare errors are quickly corrected by checking its computer records. In 2010 it estimated that 2% of drivers’ records contained errors that were the fault of the DVLA, and between 2008 and 2010 it received 285 complaints that entitlements had gone missing. These figures are the most recent it has published. The problem for motorists who reach an impasse with the agency’s customer services is that it is difficult to lodge a complaint with an independent third party. The DVLA can refer unresolved complaints to the Department for Transport’s independent complaints assessor (ICA), but motorists can’t apply for mediation directly, and the ICA only dealt with 93 DVLA complaints between 2013 and 2014. The Parliamentary and Health Service Ombudsman also looks at complaints, but unhappy drivers have to ask their MP to contact the service on their behalf – which doubtless explains why the ombudsman has only taken on 14 complaints about the DVLA in the past 12 months. That is up from two in 2013, and a solitary investigation in 2012. The ombudsman itself is dissatisfied with the system. “It’s very difficult for consumers to complain,” a spokesperson says. “We receive a lot of inquiries from people unhappy with their experience with the DVLA, but the vast majority haven’t approached us via their MP, so we have to redirect them, which whittles the numbers down a lot. We’ve been campaigning for years to make the process easier, and welcome the government’s proposals for a single public service ombudsman.”

Apple sued over 'shrinking' gadget storage Apple is facing a lawsuit for not telling users about the amount of memory required by its flagship operating system. The legal complaint revolves around iOS 8 and the amount of memory it reserves for itself on iPods, iPhones and iPads. The complaint alleges that it takes up so much space that far less than advertised is left for people to store their own data. Apple has yet to issue any official comment on the lawsuit. Update upset The complaint has been filed in California by Miami residents Paul Orshan and Christopher Endara who say that iOS 8 can occupy up to 23.1% of the memory available on some Apple devices. In addition, upgrading devices from the earlier iOS 7 to 8 can cause people to lose up to 1.3 gigabytes of memory, said papers filed in support of the legal action. The amount of memory taken up by iOS 8 can mean users run out of storage and, the pair allege, this is helping Apple force people to sign up for its fee-based iCloud storage system. The lawsuit is seeking millions of dollars in damages for those using Apple devices facing the storage squeeze. So far, Apple has not responded to requests for comment on the lawsuit. The latest upgrade to iOS 8 was released in late September but Apple was forced to withdraw and then re-issue it because the first version meant a lot of iPhone 6 and Plus handsets could no longer make calls. Apple issued a public apology over the botched update but said only 40,000 people were affected by it.

Buy now, pay-through-the-nose later. Full rip-off story:- http://www.dailymail.co.uk/news/article-2858753/Littlewoods-accused-ripping-hard-customers-free-Christmas-gift-payment-plans-charge-TWICE-stores.html

Some travel companies seem to be using to force parents to pay a premium is by charging MORE for children than they do for adults. Website HolidayPirates have got some operators rumbled and have shown that some parents are being hoodwinked into paying premium by charging them MORE for children than they do for adults. In one case, they found that a holiday was being sold as £245 per person (including all extras for the school holidays), but the holiday is based on four adults sharing. However, if you swap two adults for two kids – for the same flights, same hotel, same everything – the price goes up to £344 each. Some tour operators will tinker with prices dependant on the child’s age. If you book one holiday for a family of four (two adults, one infant and one child aged 12) and one for exactly the same sized family but with the child being 13 (two adults, one infant, one child aged 13), you’ll see a big hike in the price of £133 each. http://www.holidaypirates.com/others/three-ways-tour-operators-are-ripping-off-families

Hi .First post here I have been having problems with very.co.uk for months. I have contacted there costumer services over 100 times this month alone and keep getting ignored saying there are dealing with the problems with my account yet nothing is done. To start with I been getting charged interest on items I have paid for .I have been paying take 3 payments for months even though all the items I have bought are buy now pay later. I asked hundreds of times can they send me a full list off all the payments I have made and all interest I have been charged which when they finally did today sent me a list of muddle up numbers of payments I have made ,With over half of them missing. I have never missed a payment but have still be charged late payment fees which I have asked them about countless times and had no response. I have returned a item over 9 months ago which has not been credited to my account even after I complained and gave them the tracking number as requested which shows the items had been received . . My current balance is over £100 more than all the buy now payments add up to .I have refused to make any more payments till my account is sorted .There customer service is disgraceful what should I do ?This has been going on for months and months now.

Hi everyone, We are coming to the end of our tenancy in a small 1 bedroom flat. It's a conversion of a small house into 2 tiny flats that didn't involve separating the utilities, so the water and gas is included in the rent. The electricity is in the landlords name, with each flat having a coin operated electricity meter. It's an ancient pound coin operated meter and at the start of the tenancy it was set to take 18p per unit of electricity. Later during the tenancy a coin got stuck and when he came to repair it he bumped the price up to what looks like 21.5p per unit. Adding up what we have spent on electricity it comes to nearly £900, when average households appear to spend 400-500 pounds. From looking at the law (Maximum Resale Price Provisions - OFGEM) it seems like he is not allowed to charge us more than £5 over what he personally paid, and at the residential rate only. In addition he has a legal duty to tell us what he is paying, and provide documentary evidence. Here is what I have: A photo of the meter at the start of the tenancy, showing the total number of coins inserted, total electricity used and the price at 18p per unit A dated photo now showing the same meter, with the price currently set to 21.5p per unit and the total number of coins inserted My questions! We emailed him yesterday asking for this proof and despite visiting for a viewing today (the 16 viewing so far) he didn't mention it, although we didn't bring it up because there was a potential tenant with him. We can send a recorded delivery letter and bring it up in person, but what happens if he refuses? The OFGEM document doesn't say, other than that the price we pay should be reduced by double the base rate for as long as he refuses, but we are leaving soon. I estimate that the most we are out by is about £400, so it would be a small claims job if it can't be settled between us. Is this enough evidence to get a favourable judgement? Any other advice or suggestions would be appreciated. Thank you! edit: found a photo of the meter at the start of the tenancy

Talk Talk have recently introduced a prompt payment discount which is much appreciated and worth while. However this Month when they have also introduced a line rental increase they have not applied this discount. It is their practise to e-mail customers who have opted for on line billing before the date in which money is taken out of their accounts by direct debit. In my case it is the 23rd of each month that I am emailed and provided I pay within 24 hours by card I would receive there prompt payment discount. This month no-such e-mail arrived but on checking my account the bill was there but no means of applying for the prompt payment discount. Thinking that there was some delay owing to the bank holiday I waited until to-day Tuesday 27th May and then sent Talk Talk a letter of complaint. In the afternoon the e-mail that my bill was ready to view on line came through it was clearly dated and timed to-day. There was no means of obtaining the prompt payment discount! This sort of dishonest and sharp practise is something I have found before from their Accounts department and its no good writing to Customer services as they are no help at all. As before I have had to enlist the help of my MP enclosing all the evidence so this can be taken up with TalkTalks Executive. Once it reaches them they are always most apologetic and indeed very helpful to resolve matters. It is sad that individuals have to resort to this but it is the only way to get matters resolved and it is clear that both Talk Talks accounts department and customer services try to hide their misdeeds from the top management. In this instant I am sure I will not be the only person who has experienced these problems. I suggest asking for help from your MP including as much evidence as possible. as it is the only way to get matters resolved. The more people that do this might ensure that Talk Talk take action against the departments concerned. In all other aspects Talk Talk are excellent and its a shame the two departments named are letting down an excellent company

Hiya all i have been having problems with vodafone !they say i have got to pay. my bill by direct debit and if i dont they are going to charge me £3.00 ? I have been with then about twenty years and i have always paid by card on the exact day the bill id due .my bills have always been wrong ( overcharged) so i rsng them up every month with out fail and they agreed to let me pay by card ! They should give me twenty eight days notice saying they wsnt payment by direct debit ? They did not .i foned up last month and spoke to an adviser who said he woild not charge me the fee for not paying by dd ? Guess wat he put it on this months bill what can i do surely they have acted illegaly?

Hi can someone help Back in 2006 i started an agreement on car finance with Welcome finance, the account was paid for about 18 months and then i came in too some financial difficulty and missed a payment, at this point i asked the representative in the office too look at reducing my payments too help, the guy i spoke to rang me back a couple hours later and advised yes i have done this would just extend it over a couple more years and to go to the office to sign the document to allow him to do this. Upon getting top the office i was given a document and just advised to sign here to reduce payments and this happened as he said. I later found out the guy had actually cancelled my original agreement without telling me and started a whole new one over 10 years to pay the original one off, i found this out after 18 months of paying this. After this i then agreed with them to return the car to get rid of the large monthly payments. After returning the car they sent me a letter with the outstanding balance. The original agreement was £5000 for the car i purchased which was a for focus, the account was paid except for 3 payments for 3 years and even after returning the car the company say i still owe them £5600 obviously this will be done to the guy never advising me of the new agreement and it been for a larger amount over a longer period. My question is where i stand with this as they guy never advised me he was creating a new agreement or anything? Is there anything i can do and f so how do i go about this as the default that they are posting to my credit file down to this is seriously hindering me obviously with gaining any other finance. My belief is i was mislead when taking the reduced payment by never been advised of the new agreement been taken out. Thanks in advance and hope someone can hep with this

Here he is Errol Damelin, Wonga's founder, is remarkably unperturbed by the critics.