.hi not sure if this is the right place we took out a secured loan in march 2008 a long story but felt we had no choice, the loan was for 15k over a period of seven years, in one of the agreements it states when a quarter of the loan is paid of we will owe £867,69 you times this figure by every thousand you borrow so that balance back in dec 09 was £13,013.35 we have saved up over the past year and have cashed our premium bonds in so we are in a position to pay this loan of phew! So with a bit of reckoning up i figured it would be down to 10 to 11k so when the settlement figure came through it was for £13,040.82 more than the last figure so how can this be we will have to wait now till sept when we will have paid half the loan back, which will be £642.50 times 15k is £9637.50 will they stick to this figure i have it in black and white and also will they add anything else on top? just wondering and worrying,,, and input would be great thankyou

hi i sent the letter of to ratio money, since then no reply apparently they have contacted my husband on his mobile and left a message to get in touch,i dont want to get in touch by phone, i would like them to reply to my letter. any ideas? also because i am dealing with it my husband will not have a clue. most gratefull jue

hi martin over this bank holiday i will be putting forward my two claims to the abbey and ford credit any comeback i will certainly let you know and as i have said before many thanks will let you jue

hi martin i did'nt want to mention last night, but i have another two ppi's, just got the aggreement back today of the abbey, and the loan is still ongoing till august next year, upon looking at it, the ppi was for 1200.00 pounds and the interest is for £199.00 but as i have said still ongoing, i did not think it was for this much, i did agree to taking it, i remember but also i did not know that is was going to be an extra £20.00 a month i really thought is was £10.00 and also we are self employed and upon taking it out , i remember the girl saying nothing about anything else but unemployment at that time. i sent this of because i want to do this myself. also the next one is ford credit for a car, just found the agreement the other day, so i want to do this myself. so if you can provide me with what i have to do now with these i would be really really gratefull many thanks jue

dear martin i gave ratio money all the documents i had, which where for two ppi's one was only for 100 the other to my knowledge is for around 1900, they were the original documents, i will as i say send the letter of tommorrow and will let u know when i receive the reply hopefully documents will come back to me many thanks jue

Hi Martin First of all thanks The company in question are called Ratio money, The company I am reclaiming from is called The Bank of Scotland. I will write that letter straightaway and send it of tommorrow. When I receive all the paperwork back do I then contact the fos. i am a bit unsure of this. Ratio money have never contacted the ombudsmen, i have phoned them up, my name does not appear on their list, will i still have to write to them and explain what has been going on, also will i have to write to the bank of scotland to explain to them that i am dispersing of Ratio. many many thanks jue

i started the claim back in march 2008 and i have contacted them later on that year to see how it was going on, alway got fobbed of saying that the claim was still ongoing, now we were now to june 2009 i said to them i was not satisfied with what they have done and i wish to disperse with their services,I also wondered why they did not forward our claim onto the ombudsmen,[checked it they hav'nt] they told me they dont like to deal with them they would prefer to deal with a solicitors wrote them an email to state i do not wish them to act for me anymore and next thing we had a phone call to say they were engaging a solictors to act on our behalf we recieved all the details, by post it looks like the same forms we dealt with this company when we started and also stated if they have no response they will forward it to the ombudsman,,,so why did'nt they!!! so i think back to sqare one.... i am at a loss to why they did.nt and this company will be doing so, i would just like to get rid of them and try it myself, i have letters ready to do so but just dont know what to do at this minute, any help would be gratefull i think i was silly to go with them in the first place

i have been one of them site fees gone up to much over the time we had our caravan not on your site though,, we are paying for a caravan we do not have now, we sold it,,cut our losses and still paying for it im afraid, caravans owners are a law upon themselves. we will never buy one again and will also advise people to do the same BEWARE DO NOT BUY A CARAVAN

are you related by anychance, your give a good repo for the site,,,, we have been ripped of a caravan owner still paying for our deed,,,no one is nice in the caravan indurstry take it from me

hi i am at this moment requesting the aggreement from ford credit. just waiting for it when i get it i will be willing to forward it any help is great. As i have said i am reclaiming its been going on for so long now. but when it was started and the ball was in montion, they sent me a four sheet document stating all about the ppi, i thought it was a bit late to do that, i sat there and the man basically forced it on us, they gave them out like sweeties i think. many thanks

hi can anyone tell me if they have had a refund of ppi from ford credit,, i have one ongoing and wondering if there is anyone that has been sucessfull, also when you sign the finance agrreement, is it all added on for the term of the loan, just not sure, if it is when you trade that car in has that ppi been fully paid or they have refunded some in way of deposit for next car, my son had a car for a year paid a ppi and then traded it in for another,just not sure what they do because they never tell you , he is going to reclaim back but just basically wondering. thanks jue

hi i have a complaint going through started it in april 2008 not heard much from the company i have asked to act on my behalf,,, 2 letters in 16 months not much joy when i ring them,, they always say they will get back to me, never do. i dont want to start with another company in case i go to the back of the list with the ombudsman,, is this normal? cheers julie

hi thanks for your reply,, we had taken out the gold insurance which includes cdw, everytime we have been its be ok,, the person behind the desk did not mention atall at anytime did we want extra cover,, we would have declined it,, there were 8 people in our group at the desk and we all have good hearing; it was for personal cover it really was done underhand im afraid,, basically it just to warn others who are going over to watch what they are signing for and make sure you dont have any suprises like we did,,, we rented two vans as there we 18 of us and i guarrenteed my card, well always done it did'nt think we had anything to worry about if we go again i will certainly make sure i sign for what i agreed thanks

hi just hoped i have put this into the right thread.. its just to do with car hire mostly in florida,, we have been to florida four times dealing with the same company [alamo] this time our fifth however we were stung for things we did not know we were signing for, the company we dealt with were always the same.so you come of the flight tired and signing forms for car hire as always just do it and get the car,,, the last time was the same however when we got home noticed weeks later that they had charged us for items we never agreed to. they did this underhand im afraid, the company we booked this holiday through have not backed us up with our complaint,,,we are not stupid ,,,just like to know if anyone has had the same dealings as we have

i think there is another bright shining star in the sky tonight and it is called ellen,, watched u girl with other peoples problems over time you are brilliant, brilliant and brilliant so your star will shine on and on and on you are a credit to this forum

the whole thing of log book loans should be outlawed.. it is awfull, they prey on the needy, and give them a lifeline,,,but it is not by any means a life line to anyone the rates they charge i think these companies should hold their heads in bloody shame there should be some law against them..we have been long term unemployed so i know what it is like do without , we are a little bit better of nowith working and also been tempted with these companies [brighthouse] would;nt touch them either, the rates are really bad just do without we have ,,,its been hard by no means but would;nt touch these companies with a barge pole im afraid,,,

hi this was originally my post last year, time has gone on from this but we are still paying for this caravan we do not have.. so anyway we are happy we do not have it anymore and if it gets through to people the pitfalls of buying one i am most happy we put it down to the worst purchase that we ever did they so rip u off our pitfall was buying a caravan for a lot of money,, if anyone is intersested in buying one do it under £10.000 you will be a lot more safe as long as you nearly pay for it!!! the main reason we had to get rid of it was the company put the site fees up 800 pounds and then the next year was to be more so in all was nearly a thousand pounds so we cut our losses...big time we have put it down to experience. so be warned anyone needs any help feel free lo julie x

hi thanks for replying, am i within my rights to get 'rid of this company' do i have an obligation to them with me signing, first of all, i do not want to be sued by them, i signed a document to say they will act for me. how do i stand on this, 13 months on and phoning them again today and saying they they will conantact me yet again they have not conactacted me even told them to leave a message on my phone they never did so 13 months on? ?? thanks

hi i sent of a form with this company acting for me this was april 2008, together with a fee of ten pounds,,, took ages for them to get back to me over this,, jolted them again, then i heard from the company i am complaining against,they acknowldged my complaint, and said they will just be contacting me in future and not the company involved this was last year. contacted the company acting for me they told me they were at the stage to forward this to the ombusman.. this was last year phoned them again this week the girl on the phone said the very same thing,,, we are in the process of contacting the ombusman,, i told her you are joking because you told me this last year in october,,,, i just dont know where i stand with this company is this a long time for them to sort this out ,, i have not bothered them so much with this but i am getting rather fed up with them now it seems to me when i have contacted them i seem to get letters of them they also told me last april it would take 4 months, it is now 13 months not sure where i go on this,, as i know if was most definately misold jue

HI i have submitted a claim on a ppi last april 2008 it seems to have gone on a long time, i have also phoned them from time to time and seems to me to have took ages is this normal .so is this normall thanks

sorry to hear about this, ,we are going through the same but it is inlaws i feel for you and your familly its just so sad, my thoughts are with your familly; xxx

done if and feel quite proud to do it aswell

hi john chriss thanks for your reply what if you are a limited company does the same thing apply, thanks julie

hi reading some posts about personal guarantees for business loans, we have one had it for a year, business ticking over,,,, but what happens if it does not.... no mention on this about my house,,, does this mean i will lose it,,,, if business goes worse ok at minute just need advice thanks juliex

might not be much help but go on bbc watchdog website. it shows people that have been ripped of with meters,,, read it it might help read it please people have been really ripped of might be of interest to you because of the meter you have at this minute read it carefully juliex