NO EXCUSE MY IGNORANCE WHATS CCA

Due In To Wcf Office On Monday Am Apparently The Person Who Drew Up The Modified Agreement Has Been Sacked And Tghe Manager Says Bthe Loan Issgtill A Car Loan Even If Head Office Have It As A Home Improvement Loan Havent A Clue How To Fight This As It Seems So Complicated

the other scan at long last

hi the scans of documents

ok me being totally thick how do i pm u, do i scan the documents and email them to you if so whats your email address louise

HI ORIGINAL FIGURES ARE AS FOLLOWS AS AT 15TH FEB 07 CAR £10420 INSURANCES £3232.75 AMOUNT LEFT ON OLD CAR £940.42 TOTAL CREDIT £ 14593.17 PLUS APR 10% TOTAL £17628.96 OVER 48 MONTHS £367.27 MODIFIED AGREEMENT JUST STATES AMOUNT FOR FINANCE £13525.68 OVER 84 MONTHS £161.02 STATENT SAYS HOME IMPROVEMENT STATEMENT

HI MY MODIFIED AGREEMENT WENT DOWN FROM 17600 SETTLEMENT TO 13500 AND YES I SIGNED IT BUT THE ODD THING IS THATG IT HAS NO INTEREST EACH MONTH SO I THINK IT MUST BE FRONT LOADED IN THE FIGURES

NO DIDNT HAVE MEDICARE AT ALL OR HEALTHCARE POLICY DIDNT CLAIM REDUNDANCY IN DEC 07 AND NOW WHEN I LOOKED AT MODIFIED AGREEMENT I HAVE NO COVER AT ALL AS ITS A BASIC AGREEMENT ACCORDING TO WCF OFFICE OFT DONOT ALLOW THEM TO ADD ON ANY POLICIES ONTO MODIFIED AGREEMENTS

# CAROLINE I WOULD START A NEW THREAD SO IT DOESNT GET LOST LOUJISE

hi best person to help you is postggi on here louise aka cconfused

yes it was direct group and no i didnt appeal naive obviously anyway i went back to work after 8 weeks until i got made redundant at the end of jan 09

i badly strained my back and despite doctors reports the insurance didnt pay because there wasnt anything on xray which there wouldnt be as it was muscles not bones

Hi What Sort Of Problems

Hi Yes I Have Both Agreements Still Any Suggestions Cab Said It Wasnt Their Area Of Expertise And To Talk To Wcf Office So Going Round In Circles

hi i originallyh in a moment of madness took out a car loan with wcf in feb 07 at £367 for 4 years and charged me 10.5k for a car not worth half that in dec 07 my account manager restructured the loan for me as i had been made redundant through illness but wasnt covered on the insurance the new loan is at £161 over 7 years which has been paid until now when ive found myself redundant yet again and find the modified loan has no insurances and is infact according to the statements i have been sent a home improvement loan the office states its ahp agreement and head office say its a improvement loan so im very confused they are threatening to remove the car at the end of the month but surely if its a home improvement loan its not attached to the car the office wont agree even to reduce payments for 3 months there seems to be no leeway at all with them any help or advice much appreciated CONFUSED:cry: What are your rights at work Follow this link to read the review of the Guide to your Rights at work, published by Lawpack

hi i originallyh in a moment of madness took out a car loan with wcf in feb 07 at £367 for 4 years and charged me 10.5k for a car not worth half that in dec 07 my account manager restructured the loan for me as i had been made redundant through illness but wasnt covered on the insurance the new loan is at £161 over 7 years which has been paid until now when ive found myself redundant yet again and find the modified loan has no insurances and is infact according to the statements i have been sent a home improvement loan the office states its ahp agreement and head office say its a improvement loan so im very confused they are threatening to remove the car at the end of the month but surely if its a home improvement loan its not attached to the car the office wont agree even to reduce payments for 3 months there seems to be no leeway at all with them any help or advice much appreciated CONFUSED:cry: