loans2go personal loan

[roxyroo1]

Hi I'm a new user seeking some advice with loans2go personal loans.

 

I took out a personal loan with loans2go for £800 with a monthly repayment of £156.

Now my partner has previously had a loan with them which he did not pay and has received a CCJ

they mentioned this when I took out the loan but gave me it non the less.

 

A couple of days before the first payment was due I was taken ill resulting in 2 hospital admissions

and I will require surgery and I have been signed off work for a number of weeks.

 

I cancelled my card as I just cannot afford the repayments any more

I am going to struggling with priority outgoings whilst off sick.

 

I have had several voicemails left including one stating that it could be deemed that I have committed fraud.

 

I have emailed them explaining my situation including proof that I have been signed off work

and have offered a monthly payment of £30 as this is all I can afford.

 

Any advice or suggestions on how to deal with this are much appreciated.

 

Have I committed fraud and what action can they take?

[AndyOrch]

Hi roxyroo1 and Welcome to CAG

 

I have moved your thread to the appropriate forum.....please continue to post here.

 

Regards

 

Andy

[dx100uk]

no you've not committed fraud

how the BEEP did you know you'd be rushed into hosp?

 

 

dx

[roxyroo1]

Thanks dx I didn't think I had committed any fraud surely being in debt is not a criminal offence and this is them trying to make threats in order for me to pay up

[dx100uk]

correct.

 

 

trouble is its against a car?

they could take that?

[roxyroo1]

no its not against a car it was just a personal loan

[dx100uk]

good

you've told them what you are going to do

simply do it.

 

 

sadly they'll poss default you on your credit file though

[roxyroo1]

I expect a default on my credit file I just was worried that the police would come and taken action for the 'fraud'. I wouldn't put it past them to push as far as they can.

[dx100uk]

doesn't work like that

its consumer credit.

 

 

dx

[roxyroo1]

Oh that's good to know the police wouldn't be involved, so the worst case scenario is that they will apply for a CCJ against me?

[citizenB]

Oh that's good to know the police wouldn't be involved, so the worst case scenario is that they will apply for a CCJ against me?

 

 

Do you have any assets? Like own your own home ?

 

 

They would need to issue a claim first, you would then be able to submit a defence - they would then look a bit stupid and vindictive as you probably didn't actually plan on being rushed into hospital and have offered them what you can afford.

[roxyroo1]

No I live in a rented property and don't own anything of great value like a car.

[citizenB]

No I live in a rented property and don't own anything of great value like a car.

 

 

Then I would like to think that you are safe and that they will accept your offer until you are back on your feet again.