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    • Please name the dealer   I would start off by sending them a letter of rejection seeing as you are within the 30 days. This doesn't mean that you have to reject it but it reserves your position. Secondly, on the basis of what you say, I don't think that you need necessary to find the cheapest place. You should be looking at the best quality that you can find. I think the best thing to do would be to get to competing quotations for the work you propose to have carried out – and not necessarily at the cheapest place, but a couple of proper reputable garages – authorised for that kind of vehicle. Inform the dealer as to what you are doing and providing with copies of the estimates for the work before you put it in hand. Give them five days to object or to make other comments. Make it clear to them that once the work is carried out that you will be looking to them to reimburse you. Of course you are opening a can of worms here because if you get some further problems – more serious – you may find that the dealer is starting to say that because you have carried out your own work so your own repairer on the car, they cannot now say that any defects were inherent in the purchase – and that they may have been introduced by 1/3 party repairer. I'm afraid that you have certainly fallen into a trap of buying a car a long distance away from where you live. We find that people often tend to do that because they think the car they have found is the only one in the world for them. They forget to factor in the difficulties that they will be if there are defects – particularly if the car stopped altogether – the cost of transportation to the dealer, the cost of having to travel up and down the country to collect the car – and of course these difficulties could emerge several times through the initial years of your ownership of the vehicle if you are relying on your statutory rights and expect the dealer to meet those obligations. Furthermore, if you have to bring a court action against them you are now dealing with multijurisdictional claims – suing out of Scotland against the defendant in England and that adds to the complications. It's too late for you to do anything about this – unless you actually decide to reject the vehicle – but at the very least, other people who come across this thread may get some benefit from these comments. I think it's important for you to get the best quality repair you can and to make sure that the dealer is aware of what you are doing so that if later on they try to deny responsibility for further defects, that you will be able to show that they were fully appraised of what you are doing and they will have less room to manoeuvre themselves out of their statutory obligations. I'm afraid that purchasing a car from one dealer and then having it repaired by another service provider, brings into the same kinds of difficulties that somebody who purchases a central heating boiler from one supplier and then has it installed by a different supplier find themselves in. When things go wrong, the seller blames the installer. The installer blames the seller – and you, the customer, are piggy in the middle. Not a good place to be. I notice that you are doing things on the telephone. Big Fail! Read our customer services guide. In your situation you should be extremely careful to make sure that you have got a record of everything and a full paper trail
    • What information do DVLA need for a provisional licence ?   Think the ID issue needs to be looked at a bit more. Surely you have birth certificate, school information, Doctors records. School and Doctors should provide a letter to help with ID.                
    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
    • Hello CAG, Bit of a long post, may want to get a cuppa before starting reading... 😁   after being a lurker for many years and trying never to get into a mess with credit cards like i did 20 years ago, i've got myself into a mess with Amex... I've tried being open and honest with them, but now getting the feeling they are messing me around.    Its not a chargecard, but a Nectar Credit Card with them. TAKEN out 2016. Balance is just under £15k as of today, was almost at £17k.  Debt still owed by Amex, not been sent to NCO/Arrow etc - YET...    Background (short version): Was all fine with more than min. payment (£500 or so), being made until April 2020 when a number of things reduced my monthly salary from work (mainly, take a pay cut or be made redundant), so I soon quickly realised i needed to tighten my belt quickly. Phoned Amex, advisor said nothing they could do except Payment Holiday. Was put onto that for 3 months, told that Amex will be in touch at the end to restart payments. I asked about interest being stopped/frozen/reduced - not possible. So agreed to payment holiday to give me breathing space. 3 months came and went, no contact from Amex... No payments made, interest still racking up at around £300 a month...    Rang Amex back (July 2020), we cant do anything today because your in the middle of the statement cycle call back next week. Called back week after, no solution yet (i asked about things i seen on Amex US website = Regain program - basically freeze card, lower interest rate and pay a set amount for 12 months - more about this later) > Not available in UK yet.   Want to stay on payment holiday Mister B? I asked if there was any way interest could be stopped as this is making the balance increase and increase. No. Do you want to stay on Payment Holiday? Ok. (Bear in mind, if i came off Payment holiday. Minimum Payment was around £570 per month.  So, stayed on payment holiday... Didnt hear anything from Amex again. Called back up in September 2020. Please call back in October after 10th and we can assist.   Called back after October 10, went through loads of stuff, different options etc, was warned that Payment Holiday might not be extended much longer, but now have a program. Worked out with Amex woman that i could pay around £200 per month. But please stop interest - no we cant but we can reduce this down to 9.9APR instead of 23%... . Amex woman said she needed to submit details to 'Seniors' at Amex, please call back next week for update.   Called back week after, advised that first Amex woman was wrong and had made mistakes, shouldn't have told me what she had told me, £200 is too low, minimum would be £389 per month for 12 months or account will default. Told Amex woman 2 that couldn't afford it, went through this last time, etc etc. Amex woman 2 went off, came back, £329.74 is minimum they can possibly accept, 12 months at that amount per month and interest would be lowered, but not stopped. If you dont take out this 'Program' then account will default and will be passed to NCO or Arrow (I hate them both).  Went off, tried to get loans etc, all refused. Rang Amex back, reluctantly agreed so i can keep credit rating at 'good'.  So, been paying since Nov 2021 @ £329.74.    Letter arrived in December - due to out mess up with moving accounts around whilst on payment holiday, we are going to give you £3074 back. Logged into account, only £30.74 refunded, not £3074. Phoned Amex cos thought it was a joke/mistake - Spoke to some bloke - Oh dont worry, the rest will be applied to account automatically in 7 days. he advised was genuine but then got cut off during call. Called back, spoke to some other bloke, yes, looks genuine but please hold... Came back 10 minutes later. Oh, its a mis-print, you are not the only customer to receive one of these. Each should have been £30.74 not £3074. Me = Gutted.    Wrote a letter to Amex saying how dissatisfied i was with general customer service and felt they were incompetent, blah blah etc. Final response received, Complaint partially upheld, heres £150 credit because we were a bit silly, but thats it. IF your still not happy, go to FOS. Opened a case with FOS... Have sent them the complaint letter to them and have had a call from them about this... FOS are backlogged though and will take another 3 months for complaint to be looked at by them.   Let me make this 100% clear, fully admit to owning the debt, yep, ive spent this money (wish I knew what on, cos having got much to show from it - just general stuff and holidays)... Not trying to shirk out of it, trying my best to keep up with re-payments but im really struggling. After I got paid on 1st April, after paying all outgoings i had £9.83 left in current account so am having to go into overdraft each month which is just a vicious circle.  I would really like to NOT have to down the default route and trash my credit rating and then have to deal with the morons at NCO / Arrow etc.    Meanwhile, this is where I need the advice of the CAG experts... - Credit Limit increases... These were coming every few months and it was just being upped and upped and upped. Credit limit eventually was stopped at £15,400. Some of the increases I never even received letter for, just noticed when I logged into account. >>>> Would this be a case for irresponsible lending?   - Stopping interest - I've read something on FCA site that they recommend (not policy) that if a customer is put onto a payment holiday then they recommend freezing interest for customer so the debt doesn't continue to build. I've asked time and time again, Amex just refuse.  >>>> Any tips on how to get Amex to play ball?    - Full & Final/Short settlement I've rung Amex today, told them I might be able to pay it off. Initially they said full balance, i then pushed, they then said they would accept 80% of balance, pushed them a bit more, got it down to 70%. >>> Surprised, and then very surprised they would accept 70%, anyone else think this is a bit odd? Normally they wont budge, or they wont budge from their first offer... Could their be something wrong on account (missing CCA etc?), or do they want rid of me and account as much as I do with them?   - Cant really keep going at these £329.74 repayments. Something is going to have to give somewhere. I believe they wont go any lower and they will just default it i send £100 instead of £329 and send it out to NCO/Arrow. This might not be a too bad thing though because this would stop the interest right? Anyone thoughts on this?    Anyone think of anything else I could try with them? Again, its still with Amex, not defaulted or anything yet, yep, its all my own fault, i've spent the money, dont deny that, just feel Amex have took advantage etc.   Many thanks for reading. Any advice is greatly appreciated.   Kr, Mista B.     
    • Ok so we have complained to HMRC but were still no further forward with getting the P45/P60. We need this as DVLA has said they need more proof of who he is before giving him a provisional license.  What more can l do. 
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Hi everyone. I am a newbie to CAG. So I need to read through everything first before I know where to post, but in the meantime, can someone tell me if 1st Stop is a legitimate Loan Company?

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Hi, mine is a very long story,



I need to read up all about CAG so I know where I need to post (the short version - promise LOL)



but in the meantime I desperately need a loan, and have bad credit, and 1st stop has just provisionally approved a 5K loan.



I have no option but to take it and just hoping they are ok (foolish I know regarding any financial in stitution - but I am out of options)

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I have moved you to the correct place. Do NOT take out a £5000 loan with these people.


Tell us what problems you have and why you need the money, we may be able to help before you get yourself into deep problems.

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They are not a lender, they are a credit broker so you can guarantee that any quote they give you will be false and the actual loan, if you get one, will be way way higher.


Brokers are rip-off companies preying on the vulnerable, please do as havinastell asks and tell up the urgency and problem before you take up this offer of a loan which may not

even materialise but could cost you money anyway.

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Is it 1st Stop Group in Blackpool ? - they are lenders. I know they definitely do their own finance on vehicles - I had to confirm employment details to them for one of our employees and he showed me the credit agreement - 1st Stop was the provider of the finance

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums



This site is run solely on donations


My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I have moved you to the correct place. Do NOT take out a £5000 loan with these people.


Tell us what problems you have and why you need the money, we may be able to help before you get yourself into deep problems.


Seems good advice,just wondering what you need the money for.Is it a Guarantor Loan,just wondering

I have just had a quick look around.I will look harder if needed.


As Ell-enn says re car finance.

1st Stop Car Finance, one of the Group’s subsidiaries, will introduce and pre-underwrite hire purchase loans on behalf of Conister Bank, including online applications for vehicle finance via its consumer website


1st Stop was originally set up to provide loans for council tenants to buy homes under the Right to Buy scheme. It then diversified offering a variety of products.


This year it launched its Guarantor Loans. a right pain for many these kind of loans.

As can be seen in the Payday Loan Forums.

Just took a quick look at a 5,000 pound loan with them.


Loan Amount: £5000

Monthly Repayment: £189.38

Term of Loan (months): 48

Total Interest Repayable: £3715.24

Total Amount Repayable: £9090.24

Plus 375 arrangement fee.


Our rates of interest vary from 19.9% per annum to 65% per annum. These will vary based on your application and credit score.


1st Stop Personal Loans Limited (Company Number 08457740) is part of The 1st Stop Group (Company Number 05438114). Registered in England & Wales. Registered Office: 10 Whitehills Business Park, Blackpool, Lancashire, FY4 5LW. Authorised and regulated by the Financial Conduct Authority. Interim Permission Number 658742. Registered with the ICO under registration number ZA006742. Calls may be recorded for training and monitoring purposes. The guidance contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK only.


As i say i have only had a quick look around,one article from 2014 and then took a look at their loans.

There must be other ways to borrow,the sheer amount of interest makes me feel quite faint.

Unless i am remembering past times when i made massive mistakes myself.

Not suggesting that you will,just brought back memories.


If you are in financial stress we can try to help you.And others will as well.

But up to you really,i apologise if i am not saying what you want to hear.

And i hope i am not appearing nosey.

Just popped in to have a look at your post.

Best wishes duncan102


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This Is part of agreement I have had in email from them,


1. Contact Details


(Standard European Consumer Credit Information)

Clarendon House,

Victoria Street,



Conister Bank Limited

01253 603965

2. Key features of the credit product

We will provide you with the Total Amount of Credit following execution of the Loan Agreement by deposit in an account specified

by you.

Fixed sum personal loan regulated by the Consumer Credit Act 1974 repaying over 60 instalments.

The type of credit. Repayments. The duration of the credit agreement.

60 monthly instalments.

You will pay 59 monthly instalments of £146.84 and a final instalment of £146.84. £5,000.00 The total amount you will have to pay

This means the amount you have borrowed plus interest and other costs. The Total Amount Payable £8,810.40 being the sum of the Total

Amount of Credt of 5,000.00 and the Total Charge for Credit of £3,810.40 (comprising interest of £3,810.40 and an arrangement fee

of £0.00.

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and this from email agreement



3.Costs of the credit Interest is charge for the term of the loan at the Fixed flat rate of 15.24 % per annum.

Arrangement Fee. An arrangement fee of 0.0% of the amount of credit advanced is also payable by you if you applied for your loan via a third party credit

brokers website or were otherwise introduced to us via an intermediary. This fee will be added to your loan account and interest will be applied to it.

Any other costs deriving from the credit agreement. You must also pay our reasonable fees and charges to cover our administration costs arising out of any request you make for a copy of any document (unless we are not legally entitled to charge you such amounts).


Costs in the case of late payments. Consequences of missing payments. Missing payments could have severe consequences, including legal

proceedings, which may incur additional costs default charges). In addition, missing payments may make obtaining credit more difficult

and/or expensive if we report your default to one or more credit reference agencies.

If you default, our charges are as follows:

1. £12 on each occasion the amount falls into arrears by

virtue of a returned or missed payment;

2. Reasonable expenses and costs that we may incur in

tracing you if you move address without first notifying us;

3. Any reasonable expenses and costs we may incur in taking

other steps to enforce our rights against you under the

credit agreement;

4. We will not charge default interest on late payments.


have the right, to withdraw from the credit agreement before the end of 14 days beginning with the day after the day on which the

agreement is made, or if information is provided to you after the agreement is made, or the day on which you receive a copy of the executed agreement under sections 61 A or 63 of the Consumer Credit Act 1974 (“the Act ”) or the day on which you receive the information

required in section 61A(3) of that Act.

Notice of your intention to withdraw from the agreement may be given to our administrators by telephoning them on 01253 603965 or by e

mailing them or by writing to them at 1st Stop Personal Loans, Unit 10 Whitehills Business Park, Blackpool, FY4 5W. if you withdraw you must return any monies paid to you within 30 days (beginning the day after notice is given) of exercising your right of withdrawal and pay interest accrued from the date you are given the money to the date you repay us at the daily interest rate shown in your


Right of withdrawal

4. Other important legal aspects

You have the right, upon your request, to obtain a copy of the draft Loan Agreement free of charge, unless we are unwilling at the time of

your request to proceed to the conclusion of the Loan Agreement.

Right to a draft credit agreement. If we decide not to proceed with this agreement on the basis of information from a credit reference agency we must, when informing you of the decision, inform you that it has been reached on the basis of information from a credit reference agency and give you the particulars of that agency. Consultation with a Credit Reference Agency.

You have the right to repay the credit early at any time in full or partially.

Early repayment.

5. Additional information in the case of distance marketing of financial services


(b) concerning the credit agreement

The law applicable to the credit agreement and/or the

competent court.

© Dispute Resolution

Access to out-of-court complaint and redress mechanism.

The law taken by the creditor as a basis for the

establishment of relations with you before the conclusion

of the credit contract.


Law of England and Wales (or Scotland if you reside there) will be taken as a basis for the establishment of relations between us

before the conclusion of the Loan Agreement.

The Loan Agreement shall be construed according to the laws of England and Wales (or Scotland if you reside there) whose courts

shall have exclusive jurisdiction over any claim or matter arising under or in connection with the Loan Agreement.

Language to be used in connection with your agreement.

The contractual terms and conditions, and the prior information, are in English. We will communicate with you in English for the duration

of the Loan Agreement.

You have the right to complain to the Financial Ombudsman Scheme in respect of the Loan Agreement or any dealings with us


Creditor. You can find out more about The Financial Ombudsman Service in a leaflet available by contacting us. Alternatively you can


to: Financial Ombudsman Service, Exchange Tower, London,

E14 9SR or telephone 0300 123 9123.

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I am in such a mess I don't know where to start, but I do desperately need a loan of 5k in the interim period while i sort myself out and i wont be accepted with bad credit from mainstream lender,

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I will try and be as brief as possible whilst giving all relevant info on problems. (and try to keep emotion out of it - and also I am so ashamed) There is so many parts to it

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I have a mortgage with GE ( I know big mistake)


I missed 3 payments 2 years ago (my sister was diagnosed with cancer - and eventually transferred to another hospital in a different part of the country from her and my home area so lots of expense -and believe me it was barbaric - she ended up on clinical trials - she died in March )


GE were swift to take me to court then for repossession in January 2014 - I owed just over £1,800 - I agreed in court to pay it off within a year, which I did and that agreement finished in January 2015.


I missed a payment at Christmas of £603, and they hounded and hounded me and I simply couldn't pay it. They told me the agreement I had in court for repossession even though I paid it all off, that if I defaulted again for whatever amount they could go for repossession with no further need to go to court .


I agreed in April I would pay £100 end of May which I did, and I would pay £300 end of June and £100 end of July. ( I also have received a letter from them giving me 2 days notice that GE has now transferred me to Kensington ( Which I fear as another sub prime lender there is danger ahead) and more - hope it makes sense -


at the same time in January 2014 I had a Lloyds TSB Credit Card and Loan - CAB negotiated a plan with them and I pay £25 on the credit card and £50 on the loan - I reclaimed PPI on the credit card, and then they transferred my accounts to their collections Robinson Way, and they constantly hound me to renegotiate with them to increase payment or pay it off. ( I should never have been given the Loan in the first place as when I went into branch, the person dealing with it put my partners contribution to me as my Salary and actually told me I wouldn't get it other wise.


More to follow -

Edited by honeybee13
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My partner left me the day after my sisters funeral in March ( Mortgage solely in my name) he contributed £760 pm when he was here. I now have an income of £1,050 pm. My outgoing are £1,250pm. (I know no brainer) I can afford to pay GE £300 end of June and £100 end of July.

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I only work part tine at the moment and am now in the process of seeking full time work. My problem at the moment is I have another debt of 5K which must be paid immediately, without question. I know I will get a full time job but in the meantime I desperately need to get a loan for 5k.

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Thank you havinastella, Conniff, Ell-enn and tawnyowl, but I cannot t see any other way out at the moment other than to go for 5k loan with 1st Step, unless you know any different, your input would be greatly appreciated,

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So if you could expand on this debt....?


" My problem at the moment is I have another debt of 5K which must be paid immediately, without question."


And we can decide if its a priority and must be paid immediately.



We could do with some help from you.



 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service


If you want advice on your Topic please PM me a link to your thread

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I am in such a mess I don't know where to start, but I do desperately need a loan of 5k in the interim period while i sort myself out and i wont be accepted with bad credit from mainstream lender,


Please, do a search of Credit Unions in your area and any that might operate in your workplace. They will be able to offer, amongst other things, (relatively) low cost loans with affordable repayment rates.


I am a member of a credit union through my workplace and have a fixed amount saved each week directly from my pay packet. It isn't a huge amount each week, but it slowly accumulates and gives me access to loans with an APR of 12.7%.





No... you can't eat my brain just yet. I need it a little while longer.
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Hi Duncan102.

By coming here you must be in turmoil.A cry for help,which i understand, you do not know which way to turn.

Well you have come to the right place,we can help you or point you in the right direction.


Your income is

£1,050 pm. My outgoing are £1,250pm.

Does not mean much the hope of full time employment,it is not here at the moment.


I read your post about your sister and know how long feelings of bereavement to a close one can take to fade slowly in the mists of time.

Never forgotten but slowly not hurt as much.I hope i put that across sympathetically.

Also how much funerals etc can cost.Many thousands of pounds,that many do not have but proceed not realising at such a time how to pay for it.

Many people are struggling with problems like these across Great Britain as we speak.


I know about Kensington Mortgages,a subprime lender going way back.And the Brokers who used them to create carnage across Great Britain for many.And transfers to other subprime lenders when it suits,wherever they may be in the world of finance.

Putting offers to people who had nothing,and many fell for the smooth sales talk.And now regret it.

Across,America,Great Britain .


Your partner has left you sorry to hear that, so no income coming that way.


All i can say without knowing all details.Why 5 thousand is needed now.

Well i have read many stories over the years in the forums.


People who have gambled,owing huge amounts but easy to help.Or point in the right direction.

Loan Sharks who demand money now or else.

We can soon sort them out if needed.


Mortgage problems,well already one site team member has read your thread who has helped many hundreds of people over the years across Great Britain.When the impossible became possible.

Renegotiation of loans etc which really now income is not there from your partner can be achieved with help.

Which is here if needed.

I can tell the way you have written duncan102 you have now begun to,although hard your problem seems to you the process has begun to get back on track.Thrown out on one long post which i have tried to break down.


It seems duncan102 it is time to admit it,turn down the loan,forget it and take the help that will be offered.

We are part of a team and will not be threatened,intimidated,or worried by letters promising Armageddon if you do not pay.

We will negotiate and win,give you support and strength to overcome your problems whatever they are.

And you can join,but it is up to you.

May take a little time till your life turns round but it will.

Best wishes duncan102.


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The 5k debt I have is to a family member that was given in good faith over the course of my sisters illness. This debt needs without question needs to be paid back immediately as they are not in good health or in a financial position for it not to be paid immediately. It is imperative I make immediate payment back. I never expected things to turn out how they have - but I urgently need 5k loan and know I wont be accepted from mainstream lender,

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Hi duncan102

Good that you have made your point clearly so what options do you have.

1- Take the loan,pay back relative.


2-Pay back relative over 4 years at same rate you would be paying loan,saving a heap of interest.

But income is not large enough to do that,i understand.And relative needs the money immediately.


3- Is the offer of loan conditional on a Credit Check being made,or has that already been made.

As i read that interest rates can vary massively for people who have bad credit records.

I apologise if you have already mentioned that,i have not had the time to read it all again.


4- When you get in difficulty paying the loan back,seek help then.

It seems your mind is made up really so whatever your decision i wish you well.


duncan102,i am no expert just a bloke on a forum who had a look at your post.

Others will advise more i am sure.

As you say,

I never expected things to turn out how they have

Bye for now.Best wishes.


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Hi duncan102

Just took a quick look back.

If we decide not to proceed with this agreement on the basis of information from a credit reference agency we must, when informing you of the decision, inform you that it has been reached on the basis of information from a credit reference agency and give you the particulars of that agency.


One last thing,i know you probably know but i am worried for you.

Remember this could if not paid back result in CCJs,Charging orders DCAs chasing and if mortgage not paid possible repossession proceedings.

I hope somehow you find another way.

Strangely enough their office is about one mile from where i am now.

Bye duncan102


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Thank you all for your replies. I am so stressed, the loan agreement has been credit checked and is ready for me to sign which I was going to do this evening, I really need to repay that 5k debt as imminent urgency


http://www.consumeractiongroup.co.uk/forum/member.php?107299-tawnyowl your post


4- When you get in difficulty paying the loan back,seek help then.

It seems your mind is made up really so whatever your decision I wish you well.


Has made me stop. As you say When and not If

[/u] (I know deep down I will only get myself deeper into problems. ) There are other personal and ill health problems going on at the moment as well, I recently had a heart attack and had 3 Stents in, just back from Cardio Rehab this afternoon. I am so sooooo stressed. I have got to pay the 5K debt as a grave matter of urgency. I am going to try and sell everything I possibly can at the weekend. I also renovate and upholster Victorian and Edwardian Wooden Framed Furniture and I have got quite a bit of stock I have previously bought waiting to be completed. Which has been put on hold for obvious reasons as well as I now find it difficult to take the weight when moving it. But, I will just have to bite the bullet and get it done as quickly as possible. I know it wont be easy, as I am also trying to look for a full time job and my elderly Mother takes a lot of my time. (Just need a 8 day week and a 25 Hour clock)

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