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Hi Everyone Help needed


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Hi Guys



New to this but I think its time I need help.



im in debt

well I have debts which I acquired when I was younger.



the main debt was a loan secured on my home which there was loads of late payments,

cleared the debt and late payments. but then had to pay over another £2000 in late payment charges plus intrest which I have now paid off.



the company I had the loan with was GE money home lending.

ive been told that the late payment charges of £40 are unlawful and I can Claim these back.

if so How and please help with leter templates.


2nd main debt I have was with Welcome Car Finance got a car off them back in 2008 lost my job and missed a couple of payments

rang the office and agreed to pay extra to clear my late payments.



then 2 months after that they sent 2 baliffs round and reposed my car,

first off never received court summons or anything in writing and never received default notice on credit file.



out of protest I have never made any payment or spoke to the since,

( now I have read up that they like to do things unlawfully and that I could possibly get this debt written off.



please help with advice and letter templates.

my only worry is that they have sold the debt to a company called MKDP and are now looking to proceed to make a claim for CCJ



I owe £5265.72p



Checked my credit file today and there are still not defaults from welcome or MKDP



need help with letter templates.



is there anything I can do as I cant afford to have a CCJ that big



cant Afford to pay them as only on min wage.



Help me please

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who says you owe them anything

I bet you don't

the REpo was 99% unlawful

and those guys were not bailiffs I bet but no powers repo guys.



as with all welcome loans you get fleeced blind.



might pay you to go start a thread in the welcome finance forum

off the main top forum tab



as for GE money...



yep that about right for them too

have you all the statements?



I'd go start a thread in the mortgages ans ecured loans forum

and well get you sorted too.



sadly those 2 names are the very worst for spoofing people blind.



as for MKDP

read the letter properly

it doesn't say WILL anywhere I bet.




please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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