Thanks for the message detailed below! I did not realise that when I joined this site that my input would be monitored. I was under the impression that it was a platform for sensible adults to share advice and experiences. For your information, I have been a member for a few days and this was the first post I responded to. I am not a Cattles spy you halfwit! If I wanted big brother style suppression I would move to Moscow! "hello charlie1 "welcome" (as opposed to welcome .... cattles ,shopajoke etc ) to CAG it has been noted you to date have posted solely on the cattle group , we look forward to your future posts on non cattles topics (perhaps sheep) the answer to the question why all of a sudden the smooth over publicity for cattles from charlie1 .............. (eg the stating of the existence of a compliance officer at cattles -- thanks to you giving the details )" So, about those sheep! You know what to go do with them!

And every other finance company! Hate to tell you this Bobby but as far as complaints to FSA go,Cattles PLC have a good record.

postggj, that is simply a ridiculous and unhelpful response. Cattles are a successful FTSE250 company and are FSA regulated with an active compliance team! it is not in their interest! Dont let a few bad apples cloud your judgement! Lets be sensible here!

Ok Fergal, that is every finance company the world over! Its what they do, they are operating a business for profit for gods sake, A default is not something that is simply used! It is part of the credit process and is a legal requirement under FSA legislation. Also, credit companys dont give poor ratings, they report facts to the Credit Reference Agencies. It is a system intended to protect the consumer from over commitment. As with all credit providers, they have measures in place to assist customers with genuine difficulties but they will ask for reasonable evidence of change in circumstance which is, after all, their legal right considering you have entered into a legally binding contract with them! IF YOU ARE EXPERIENCING FINANCIAL DIFFICULTY, SPEAK WITH YOUR CREDITORS DIRECTLY & PUT IT IN WRITING TOO! IF YOU ARE UNCOMFORTABLE DOING THIS SPEAK WITH A RECOGNISED FINANCIAL ASSISTANCE CHARITY! (ONE THAT DOES NOT CHARGE FOR THEIR SERVICES)

If you find yourself in financial difficulty, you speak to the lender first! Don't avoid them and dont start ranting about them being sharks! You are a grown adult, hopefully of sound enough mind to make sensible financial decisions! Take responsibility for your own actions people instead of trying to find someone to blame! Just out of interest, how did your situation change so drastically? You appear to be working and living at your mums! Or more simply, either pay your debt or play the game! 1. It is unlikely that your DPA issue can be proven. 2. Did you sign for the insurances? If so, why? 3. They may be able to help with PPI claim but it will be at a cost! Fact is, someone is always trying to make a living out of us all!

They are FTSE250 so not doing to bad! Also, they pulled out of dealer credit to avoid the afore mntioned problems

Unfortunately, it is always a mistake after you sign on that line! The terms and conditions of the loan are defined in the agreement! Why do people not read them! Dont let finance sales people rush you into a deal! Ask questions and read the small print!

My point exactly!

Is this not typical of the "Where there is blame there is a claim" culture that is crippling our society! The more cynical amongst us may ask exactly how much you make out of other peoples misery your being in and out of court all day!!! Whatever happened to being responsible for our actions. People do not need "crooks" offering "Claim your money back" If genuine assistance is required go to the CCCS the will help for free! However, I would always suggest that you tackle the problem personally and directly rather than going to a "No Win No Fee, we will take our payment out of your settlement" fly by night!

Thats assuming you do not miss a payment! Please understand what APR is before makin comments like this!

Firstly, I would suggest that you simply speak with your branch manager, they will be able to best advise you. Whilst Shopacheck's rates may look high,remember, this is the APR which takes into consideration the full cost of your loan! You are paying for someone to personally call and collect a payment and they dont do that for free. Interest is front loaded so it is all added at the beginning so if you are late with a payment, you wont be hit with interest and charges. Using the term crooks is unfair, a good representative will explain everything fully and not over commit a client and will always look to assist a customer, indeed, many employees and agents have worked in the home collected credit industry for decades! One final point to note! Finance is not forced upon anyone and there is always a cooling off period after you sign on the line! Always be sure that you can afford the repayments!