hiya, i had a phone call yesterday saying i can now vt my car. i will have to wait for the rac to come and check it over after the bank holl. my problem is as i have the ppi on the car they say i will ow them 1900.00 after the car as gone back. evan so on my paper work i have paid more than half on the car. i said to the lady that i was told by the sales man that after two years i can hand the car back and ow nothing. she replied and said well you was miss sold and told the wrong information and i am sorry for that. you have to pay the figer on the paperwork i have payed more than that. and she said no you havent as you pay so much on the car and so much on the ppi each month. well i am sorry to say but when i signed the paper work i wasnt told of that. i dont no what to do now as the car is falling to bits and at 250.00 a month its not worth it. sorry if this dont make sence to anybody. thanks sad sack:(

i would just like to say a big thankyou to all the people that run this site, i dont think you will ever no how many people you have help along the way. all the other people that join the site and help too then i would like to say thanks to you to. i have spent many days reading the faq feel like i am ready to start the ball rolling now. with halifax and capital one. please please help me along the way as i will need it.

i still think its wrong why should they do credit checks anyway. thanks for letting me no they are part of the same group you have saved another one going on my credit file. thanks

hiya, i to went to natwest to open a current account. because of my credit score i got turned down they could offer me a step account i said no it was a bit stupid of me as was only opening it as a parachute. maybe i should think before i open my mouth as of now.... will try royal bank of scotland next. thanks.

sounds silly to most people. this is whats happend brought new windows and doors last march. we payed by cheque when the work was done. after one month the screws was coming out the doors windows not closing propper. the company came out to repair some faults but not all. then the front door plaster came off. the door you carnt open and close propper, well anyway the came to look at the door finnaly in september. ordered us a new door said would take two weeks wiil come on monday. monday came nobody came rang them up the man was off sick. rang again two weeks later he will come tomorrow so they said. still he diddnt come so rang again and the door they had there was faulty to so they said. they said they will call us as soon as its there but they diddnt. rang them up and was booked in for monday again i rang to make sure they was still coming on the friday afternoon as it was a pattarn them not coming. they said nine o'clock i said are you sure he said yes. suprise nobody came well i rang just going to answer phone left many messages so i rang the sales man as i still had is mobile number. he told me they they went bust on friday. so my door wont be repaired i diddnt get a fensa certificate as promised. tredeing standards no about all of this and carnt do a thing. now i will have to buy a new door. how maney othere people have had window companys close on them? what can i do. sorry this is a very long one

do you have to work full time to do this?

i am writing for a friend. he went to court 3 times to fight for access to see his children in total it as cost him 10,000.00 to finally get to see them. CSA slammed him hard as he an ok job.he phoned in november to say he is changeing jobs, as he had an attachment to earnings as he used to give his ex wife cash, and she said she never got a penny of him. they never got back to him he rings at least once a week but he still gets nowhere. Now they have just got in touch with him and told him because no payments have been made due to the CSA sending out a Direct Debit Form,the CSA say he is 1600.00 in arrears but wont provied him with proof of the arrears, they just want to take is regular payments off him and the arrears of 150.00 per month on top leaving him with no money to live on. he wants to pay for his children but finds it very unfair that his ex wife gets more money from him than he gets deducted for when the children come to stay with. When he asked the CSA this question the csa said will you have a full time job! He ends up buying clothes and shoes for them to take home as the mum spends it on other stuff. any help into what he can do. Also why do the CSA round the payments of to the nearest pound when you had them extra pence up over the years it totals way over 200.00 how dose that work out?...

i to have a car from welcome i pay 250 a month i got told after two years the car is paid off and the rest is intrest and that after two years i could hand the car back and ow nothing. but as i missed two payments as was out of work they wont let me hand it back. so now i have to struggle to pay each month for the next two years.any body no what i should do?

my bill was 128.00 when i wasnt working i kept phoning capital one as i had payment protection. but as it took them longer than three months they said i wasnt coved. each payment i made 4 20pound they would ad on 30 so my bill went up to 780.00. they then passed my debt to a company called scott call who hounded me over the phone i agreed to pay them 20.00 per mounth as i only work part time. they then went on to take 200.00 out of my bank in the space of two months. i phoned them up to say can i have the money the had taken from me and they said it would be kept on my debt. they then passed me back to cap one who i wouldnt pay as in my mind they already had had the some of 128.00 plus more. now had a phone call from a company called cap quest who i paid 20.00 to today how do i get my debt paid off and how do i get them of my credit file as my credit rateing now is very poor.