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Found 4 results

  1. Good morning Caggers, I am wondering if someone can help me out with a bit of an issue to do with lease of a retail kiosk. Back in February of this year I rented a retail kiosk from my local council which was in a High Street but was classed as within the local market. I was selling cut flowers and plants. This was a completely new venture and basically took all spare money I had to set up and it looked really good. The problem started about a month after I opened when the market manager (council run market) allowed a huge plant and flower stall to pitch up a fe
  2. I took out a Unsecured Personal Loan with Halifax online in December 2011. I was NEVER asked questions like, can you afford the payments, are you employed/unemployed, and I certainly was not asked about my income. This have got so bad I am currently on an IVA - Halifax increased the IVA from 5 years to 6 years forcing me to pay for longer. I am now wondering if bankruptcy is the best option. Do I have a claim that Halifax lent to me irresponsibly without going through my finances first?
  3. I received a suspended repo on my home last March and have since kept totally up to date with both the mortgage payments and the arrears (the arrears are paid separately). Yesterday, however, my DD bounced for the mortgage (the arrears element was paid last Friday) and I'm worried about what will happen. Will they simply re-apply for the DD and impose charges or will they go straight for re-possession? Some advice would be appreciated. Also, a few months ago, they asked if I wanted to capitalise my arrears because my payments had been so good, will
  4. Hi, I recently asked for a S.A.R from Welcome Finance due to receiving a DCA letter asking for way more than I think I owe. Anyway, it came today (bang on the 40 days allowed) and I am sure my original agreement has been doctored! What if anything can I do?? I distinctly remember telling the guy on the phone when I applied that I did NOT want any insurances or P.P.I and he said OK after badgering me for ages. I remember it well because I said to my husband, gosh that took a lot of saying no. Anyway, a photocopy of the agreement has come and it shows my signature and then just below
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