Hi,I defaulted on a LLoyds loan for £1103. I checked myn credit file and noticed that there are two defaults from Lloyds for similar but not the same amounts. Also the dates seem slightly different. One is updated 03/07/2011 and the other is updated 02/01/2011. Is this correct? Have I a good case to get one removed? Is there a template letter I can use to send to the appropriate department?

Thanks Mr Worried, will not divulge anything until I have proof that they cancelled the investigation.

Hello, I have recently had a PPI success. However I did go through an intermediary called BBH solicitors. The story goes that about a year ago they called me about requesting them to investigate any missold PPI. I believe I got a letter from them stating that I did not have a case and they were not going to investigate further. Now about 2 weeks ago CitiFinancial had sent me a letter acknowledging my complaint and then a week ago they stated that they will refund me £700. Yippee! Now the bad news - BBH Solicitors had sent me a letter stating that if any defendants had contacted me directly then I had a duty to pay their fee. Another letter came requesting the fee of £302. Am I within my rights to refuse them as I hadn't heard from them for over a year and I believe I got a letter from them stating that they were not going to pursue. I gotta find that letter.

So nobodies heard of Oakam??

Hello, Has anyone heard of these people. They have a small number of financial products, including payday loans. They say that they credit check their bonus loan facility. Has anyone applied to them, even with a low credit score. I have 1 star on my credit file so i have a low,low score. Can anyone determine what the credit criteria is?

I had this in an email. I wanted to know if anyone has seen this or heard of it. Its one of those testimonials where the ordinary guy discovers a means to claim back mortgage payments, I am sceptical but tell me what you think: https://thegoldplan.info/shockingreport.html#freereport

Hello, My account went to collections because of bank charges. I refused to put my salary in the lloyds account until I had some help with the charges. It stood at £360. Collections called me and told me they would setup an overdraught facility. Then the person stated that I should send a letter to an address to claim back my charges. I thought "what these charges or all my charges" well anyway I will send a letter to them asking for charges back based on hardship as they suggested. I am just wondering if this will give me the opportunity to claim back all my charges. i will update...I have been on the Martin Lewis website wher he has letter templates to download based on hardship cases. Check this link, i hope I am allowed... http://www.moneysavingexpert.com/reclaim/bank-charges-hardship

Hi, It has been nearly two years since I first made my claim. I have since seen the world going through a recession, Lloyds was nearly bankrupt and had to be bailed out by the taxpayer(including me) and now their share price has crashed and burned. What chance do any of us have of reclaiming charges now? I suspect we are way down Lloyds list of priorities at the moment.

I know I shouldnt, but I called just now to state that I cannot find the £275 for this month as it was a bit late in the day. So they said that the payments would go to the original amount of £449. I feel like going in there and blasting someone. This looks like they are seriously taking the p***.

Thanks guys for all the advice. I have to admit that I buckled under pressure when he called yesterday and said for him to go ahead with this £275 option. However I feel now that I should stick to the original agreement. Am I too late, this was done over the phone...

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Hello, I have a query about a Welcome Finance refinance issue. A bit of history. Back in Jan 2007 I took out a secured loan for 12k. I defaulted on it due to other mitigating factors. Welcome decided to refinance in December of that year as a joint application with my wife. They refinanced because I was in arrears with my mortgage as well. Well the refinance covered the arrears but the downside is that I had to find £449 a month. I paid good from January 2008 to July 2008 when my mortgage company put up interest rates. This meant that my monthly repayments went up to £1586 and with £449 this was way over what I could afford. I had to try and get Welcome to reduce the repayments. I missed a couple of months as again I had other unexpected commitments that threw a spanner in the works. To be fair Welcome were acommodating as much as possible. In November I had a call from one of the managers who stated that they could redo the loan at £246 a month which was a godsend, and they said that I didnt have to pay until january. Me and the wife went to the office, signed the papers and went on our way. Anyway cut to this month. I had another call from Welcome. They stated that the last agreement, though signed, could not go through as interest rates had been cut making it more expensive for them to borrow, so they had to pass on the expense to the me by increasing the repayment to £275+. The manager who looked after our case and got the better deal is mysteriously off sick. They said that he did not do it right. However at the time the interest rates were different. Now they said I have to cough up £275 now for this new refinance to go through. I stated that the original refinance was legally binding and they cannot do this. So where do I stand? I have the original forms we signed. Can I force them to accept the original signed refiance deal, or do they have the right to renage on this and do a new one. I also asked if I could get correspondence in writing rather than phone calls, but were not prepared to do this. Sorry to ramble on but I wanted to make sure that all relevent facts were presented here.

Hello, Has anyone had any dealings or experience with credit unions. I came upon this website - ABCUL and wanted to if anyone with a poor credit rating has applied and what was the response. Its just that I do not want to ask if there is a possibillity of them saying a big fat NO!! Thanks

Hi Fleeced, I had an £800 loans from LBL and have paid all of it off. According to them I owe £600 in charges. They have half heartedly called me every now and then to setup a payment plan, but the thing is the car is gone. The car was a major drain on my finances in terms of maintenance so i had to get rid of it. I have got rid of the logbook too so they cannot do anything. So can I gain access to these solicitors too?

Thanks for all of your helpful replies. I could not get the payment for this month so they said they will get someone to come around my house and fill in the form and ask me to declare my income outgoings. As you have stated, if this is done outside the courts, they cannot pursue this. Ok I will see how this pans out and will update you. Thanks again and yes, please help me how to challenge this. I have until tomorrow.

Hi, I took out a sec loan back in December to cover a previous sec loan from welcome. This loan covered the previous loan so now this loan is 26k, but my payments are £449 a month. I said from the off that this would be difficult to pay but I had to do it because I was in arrears with the mortgage. Anyway I paid good for 5 months but got into difficulty. To cut a long story short, they want to issue an attachment of earnings order for the full amount, which would mean that my wife, children and I would have hardly anything to live on. Can they issue an attachment of earnings straight away? Do they have to go through the courts first? What can I do to prevent it?

Hello, On what grounds did you managed to settle your claim based on hardship grounds. What is the criteria? GuidoT, will this set a precedent for all our claims. I would also like to settle my claim based on hardship grounds.

Davey, they cannot trespass onto your property unless you let them in. DO NOT LET THEM IN. You are within your rights. You have all the doc and proof that you have paid them. They tried to pull a fast one by ignoring confirmation of payment so that they can try and extort more money out of you. Unless they have the police with them, which I highly doubt for parking fines, then you can tell them to push off. I would also suggest threatening to take them to court for harassment. Write letters telling them of such and you will see them back down. They are trying to bully you. I believe that they have templates on this site for writing official letters. Please check for these templates, especially if they keep harassing you.

Hi, I have had a fairly quiet time with LBL. I took out a loan with them, in my car. I bought the car in early 2007 for £1900.(the interest was 1355%). After a couple of setbacks I was desperate for cash so I did the thing. They said they could only give me £800. However the total loan was £1800. The monthly repayments were £149. As you do, I fall behind with payments, get the phone calls, then I do the honourable thing and stick my head in the sand. Well they came one morning and took my car away. I had to get dosh form somewhere else to get it back. It was at an auction place in North London. Anyway bye and bye, the car has been a virtual curse. I kept getting parking fines, even ones I disputed, the radiator started to leak so engine cut out with overheating, the engine optimum tuning was not working so it cut out because of that too. I had a bash on the drivers side and the rear side. The car was a virtual wreck. Because I couldn't pay one of the parking fines, the council took the car away. Now I have the logbook. I also managed to pay off about £600 of the loan as well as 8 months payments. I only had £89 left to pay. Since then they have half heartedly called me up and asked about paying the excess charges which amounted to £436. Up to now I have not heard from them so hopefully they will waive the charges, as they can't get the car anyway. It would have cost me £900 to mend the car as well as the £500 I already spent on it to get it past its MOT. So it is now in a pound somewhere an I told the bailiffs that they can keep the car. I still have the keys and the logbook. I suppose there might still be a danger of LBL trying to claim back the charges, but they have nothing to threaten me with. they don't know that the car is gone anyway. What a blast. Just seeing what will happen next...

Hello be aware that I believe only satisfied defaults are dropped off after 6 years. I have had a couple going back further but because of an payment arrangement they are still on my file. Also I noticed that when the debt is passed on to other debt collection companies, they try to keep the default on your record too.

Tessa, I am really sorry for all you went through! God bless you and may justice be done for you. May it come to a speedy conclusion and you get back all that was stolen from you..

Hello, I had a recent (december 07) sec loan from welcome. I noticed recently that there insurances that you take out have added interest to them on the loan. My payments, becuase this is joint amount to £449 a month, and the increase was because of charging interest on these insurances. is this right?

I had the same thing with Welcome when I had to unfortunately extend my current loan with them from 12k to 25k. It had to be a joint loan with my wife, and I must admit it did help in the short term. My gripe though is not only that we had to take out insurances for home and health, but that on closer inspection, that each payment had added INTEREST on it, so boosting up the loan repayments. So now I pay £449 a month. That is not right!!

MortgageTalk, the thing is they call me on my mobile, I never call them, I can't. That number cannot be reached.. and I don't think it is a reverse charge call either. I have a pay as you go phone. While on the call, I tell them that they cannot give or guess an outlandish amount on a property when a valid valuation shows a truer value. However they insist that it would be ok and the rest is history. I just don't know, but I agree it looks shoddy and underhanded, and I will tell them to go away in no uncertain terms.

MortgageTalk, you are right, but what is their agenda and what do they get out of it by not calling me back, I don't get it!