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    • Hi BankFodder   Many thanks for your assistance in this matter.   I have decided to commence County Court action against DPD/Parcel2go regarding the lost parcel.   I would just like you to clarify whether which company you recommend me to commence legal proceedings against:   Parcel2go. My contract was made via this company.   Or DPD - This company undertook the contract and are the ones who lost the parcel.   I look forward to hearing from you soon.   Kind Regards Humza
    • I lost my job this jan because work decided not to extend my probabation, so i've been out of work since then. During this time I have made 3 payments of £270 from my own savings and now I am really struggling.   I rang motonova last month before COVID19 started and explained I lost my job and wanted a reduction in the payment but they asked me what my out goings were and told me 'it looks you can make this months payment so we can't do anything etc'   Since COVID19 has started motonova now have this form available to ask for reduction of payments - see https://customer.motonovofinance.com/file/cms/raw/888dda418afb548c00a1afc1cde50704.pdf   Given my weak financial situation can anyone help me with what I put down for these sections of the form so my request to lower or freeze payments stands a good chance of being accepted   1. Is your situation realated to the Coronavirus outbreak? Yes   2. Do you consider yourself to be in a high risk group, if so why?Do you explicitly consent to us recording this information in your account notes? I am no longer employed and have no income coming in. Work have made cuts due to Corona and no longer employed by them I am sorry I wont be able to make payments of £270   3. How much can you pay? I can pay £25 a month   4. What are you proposing, and what help would you like from us? I've lost my job and have no income. I've had to self isolate under the goverment guidelines with my family because my daughter had a cough at school. I've been applying for numerous jobs and have no luck and the COVID19 situation in the country has made the whole situation even worse for me. I request given the financial difficulty I am in that  you please accept my offer   What do you think of my reasons and how can you add or improve them? I really stressed out because my next payment is coming up in 3 weeks and I'm down to my last £400 of my savings and I've no idea how long it will take me to find a job  
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snowdragon

Central Trust Loans

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I  am here to ask  advice for a friend who does not go online, they have asked if anyone has heard of Central Trust ?

 

My friend has been approved for a £20k loan and she was told it would be in her account today, she has checked and nothing, I was asked to help find out why

 

I have tied and was told she needed to pay for insurance on the loan and then the money be with her, she manged  to do this  and had to provide screenshots etc,

 

she was told all good and to check her account, it is now way past  closing time and nothing.

 

I have not asked why she needs this money but know she has some big bills to clear, all she needs to know is are this company real? I tried to Google them but no success

 

Sorry for long post, like I say she does not have a computer etc and has asked me if can help! Got enough going on as it is

 

Thanks,

 Sandy


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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 she does not have a computer etc 

 

How did she apply for it then ?

 

Quote

and was told she needed to pay for insurance on the loan and then the money be with her,  she manged  to do this 

 

:flame::mod: How much did she pay and how  ?


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by phone I think Andy,

they just asked for her name , address etc, purpose of loan,

did a few checks,

 

was asked to pay the first instalment as well,

from what she has said  they asked for a couple of other payments!

 

 I did not pry as she was upset, will try find out more,       

she was dealing with a woman called Linda

 

she was told to expect it in her bank by either 8pm tonight or by 10am tomorrow


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Did they send an email?> Anything to go on?

She would normally have to sign a CCA for something like this. 


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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they told her the documents will be sent to her and as far as i know signed nothing,

have just tried talking to her and tbh think she may have been s c a m e d ?

 

I can not find anything on this company ,

all the money she sent them was bank transfer,

no idea how she did it tbh ,

 

I am only someone who knows her but from what she said she sent them money for insurance, first installment and couple of other payments,  taking what money she had.

 

She has checked her account and nothing as yet paid in, they gave her a  transaction number


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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all the money she sent them was bank transfer,

 

 

And how again without a computer ..mobile banking ?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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could have been

but think she may have used her partners computer without his knowledge or even gone to bank,

sorry I really have no idea,

have told her to report it

 

I have told her to go to the bank first thing or at least check her account, 

she said no money has been taken out apart from what she sent them,

I am still trying find out who they are

 

no luck  who they are? 

have told her she needs try and get what she paid them back,

she is going speak to someone in morning.

 

I know she was hoping to get this loan,

she has got a bad credit score and tbh they said one of the charges was due to this and then she had to pay money for tax purposes! 

 

I have heard enough, sorry I need bed

 

Sandy xx

 

CENTRAL LOAN

1) _______________ 25-27 Surrey Street, Norwich, Norfolk NR13NX, United Kingdom

Email: support@centralloan.co.uk

Web: www.centralloan.co.uk

2) _________________ Contact Number: - +44-161-5051746

they have sent her an agreement via email she said,

I  am confused, 

bed time

 

they have sent her a loan agreement via email,  ( am confused ) 

time for bed I think,   

wish she never asked me 

 

bit more info,

they are for real and registered ,

so who knows,

but why tell her it would be in her account by 8pm tonight or maybe by 10am tomorrow?


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Central Trust...topic title amended.

 

 

https://www.centraltrust.co.uk/about-us/


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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

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not same  company Andy, she is not a homeowner,

 

the company she used is def called Central Loans, based in Norfolk


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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The address you posted in post # 12 is for Central Trust Loans.

 

Central Trust is a trading style of Central Trust Limited, Registered Office: 25-27 Surrey Street, Norwich, Norfolk, NR1 3NX


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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oh,  it def said Central Loans, seems there is a few in same building? sorry

 

Note: - We want to confirm you that your loan amount is completely approved by our company for the amount of £20k.

 

So, for you to get this loan sorted you have to go through a credibility check and you are requested to pay your first month installment in advance which is for the month of March.

 

Your second monthly installment will be due in month of April by direct debit.

 

Part of her agreement


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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god she must be mad!!

 

wouldn't touch that type of company with a barge pole

the payments go up and up each month and then they default people and send the heavies in..

 

yes it's not your problem...but then it is in a way.

she doesn't need to get this loan at all I bet

just got lots of consumer debt she thinks she need tpo pay off i bet

 

go findout if they are enforceable or not

...you are a master at the SD..:bounce:


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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She  now wants know what are her chances of getting what she paid them back, said she had around 9k in bank for holidays and other items but now has only about 6k!

I told her she must be mad but seems she is desperate  😕

 


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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she  has just shown me the loan agreement  and the company is regulated, all laid out 

 

 

decide on the best value. The APR takes into account interest as well as fees and charges. TYPICAL APR: A "typical" APR is the APR offered to two-thirds (7.8%) of borrowers. The actual APR you are charged is subject to status so you might not qualify for the typical APR The lender will assess your circumstances, such as your income, how much you can afford to repay, the relative security of your job, whether you're on the electoral roll and your credit history. CENTRAL LOAN typical APRs are as follows: Secured loans – typical 2.82% - 5.62% APR FIXED Unsecured loans – typical 5.60% - 17.60% APR FIXED Undertaking:

 

I told her to sort it out herself as got enough to do myself, sorry


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Can I see the loan docs? It should have a company number and everything.

Remove personal info.


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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not sure if can do it as my computer is  acting up really bad, if I can copy and paste maybe?


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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can not do screenshots as  on a computer sorry

 


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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she has now got a transaction number, I will have alook for company reg number  FK


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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CENTRAL LOAN 1) _______________ 25-27 Surrey Street, Norwich, Norfolk NR13NX, United Kingdom Email: support@centralloan.co.uk Web: www.centralloan.co.uk 2) _________________ Contact Number: - +44-161-5051746

 

Just checking for reg number


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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CENTRAL LOANS LIMITED

Company number 04205508


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Check the cooling off and cancellation details...this is a distance regulations agreement as it was done by telephone......can cancel within 14 days.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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

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 we need to prepare Non-guarantor paperwork for you which will cost
>>> you
>>> £895. This paperwork will act like a guarantor for your loan for
>> the
>>> whole loan period.  Before we provide this loan to you we need to
>> make
>>>
>>> sure that after you receive this loan we should not lose the money.
>> So
>>>
>>> we have to show to the financial conduct authority that you can pay
>>> your
>>> repayment on time.
>>>
>>> So, in this case you are required to pay the Guarantor paperwork
> fee
>>> of
>>> £895 which is just the one-time payment and will be refunded along
>>> with
>>> your loan amount. Once, you cleared this guarantor fee than we will
>> be
>>>
>>> able to transfer your funds to your bank account within 60 minutes
>> of
>>> time.
>>>
>>> Note:- Just because of paperwork your transaction is on hold please
>> do
>>>
>>> this & get your money before 12 today.
>>>
>>> Regards,
>>> Linda Thomson
>>> Manager
>>> Account & Transfer

 

what  she has now been told as well as this

 

 

Cancellation on this stage of the loan will cost you with 590 pounds
>> as
>> this amount is been debited from our account,so please do the final
>> payment and get the amount sorted for you.
>> Your co-operation will be much appreciated.


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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