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Found the site while trawling thru the web looking for items relative to my wifes (so our) problem ...... and from what I've seen it's brilliant.

Looking thru the attachments I'm hoping I'll find some helpful stuff.

Anyway - problem is - my wife is being chased by Albion Collections Ltd. after my wife ceased paying on an account/loan (unsecured) arranged with the Halifax.

My wife - long story, try to keep it brief - was tricked into taking out a loan, supposedly short term, by an ex boyfriend of our daughter.

Turned out he was a con man - got the money and disappeared shortly afterwards when his true background came to light. Even though Halifax knew loan was on his behalf they hold my wife responsible - and - Halifax never even took the time to explain to my wife what could happen in the event of ...... - think you can guess the rest.

Loan arranger denies not explaining dangers/pitfalls.

After 4 years wife has decided enough is enough - meeting the payments is damaging her health (stress/worries/working for no gain/etc) - so had the threats from Halifax - which we've replied to, now passed onto Albion who tell us that we will be having constant calls for settlement - or else !.

We intend sitting it out - wife wants her day in court - anyone out there who can tell us what to expect/could happen would be well received.

Will update all as we go along ---- thanks for listening.

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Hi Marc.

 

My wife - long story, try to keep it brief - was tricked into taking out a loan, supposedly short term, by an ex boyfriend of our daughter.
So your wife took out the loan in her name.

 

Even though Halifax knew loan was on his behalf they hold my wife responsible
If the loan is in her name, then she IS responsible.

 

Halifax never even took the time to explain to my wife what could happen in the event of
Did you seriously think that you could walk away from it with no comeback?

 

Your wife was conned. But by the ex-boyfriend, not the bank.

 

What you need to do now is to deal with the DCA.

Your best course would be to post this in the General Debt Forum where you will find users who are well-versed in dealing with debt and DCAs.

Click on the following link.....

 

http://www.consumeractiongroup.co.uk/forum/general-debt/

 

You should get the help you need, there.

 

Good luck.

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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