Thanks, been in default 2 months. Took out £500 after resolve before Xmas.I will call step change, and stop the extra paymentsIf it goes to court then sutrely the judge would say the charges are not reasonable

HI I guess you haveheard it all before and for that i am sorry. I borrowed last Sept/October from CFO £200, this increased to £500 over a few months whilst paying it off. things got bad and i am with Step Change who have been sending payments to CFO. However, i keep getting letters, phonecalls, emails and texts which are threatening etc .I keep telling them that step change are paying them,, ive been giving them an extra £15 a month on top of step change payments via standing order but they keep insisting that step change havent sent the correct documents. I know they have because i have asked them twice now, and im sure Stepchange know what they are doing. i was shocked the other day when i got a letter stating i owe £1703. It is a notice of i ntention to file a default Alleged breach: Failed to make my contractual repayment of £1703.89, and to tremedy i must pay £1467.89 by 13th Feb. Yeah right!!! They breakdown the costs as: Loan capital outstanding £1461.89 and interest at £21.55I have never borrowed this much, they are just plucking figures ouot of thin air and making it up. IS this all charges? Surely they cant add this much in charges What do i say to them in a letter There has been lots of emails back and forth, me saying stop harassing me, please only email, these charges are unlwaful etc etc but they dont listen PLease help, getting ill with worry

Thanks, as i thought, I am being good and paying it, such a shame though

HII signed a credit agreement with O2 for a £47 a month tablet and phone bundle a few weeks ago. When i got home I noticed that i had both copies of the credit agreement. Can i now claim no knowledge of this and request to see a signed copy of my agreement?I know its wrong but isnt it about time the little lay person got one over the big companies?

Thanks, i have emailed them and said that they cant use recorded conversations in a court of any kind and that they should deal in email only. I sent a token payment of £5 just to annoy them. I will threaten to report them to the OFT etc if they continue I appreciate your advice and feel much better now and not so sick. Just for the record the guy on the phone was a k**b

HI I took out several loans due to some very unexpected and high vets fees. 11 payday loans total 1400 pounds. I had no intention of not payng nor of depriving these companies of funds but unexpected circumstances have made me pass to Step Change. I was already with them and doing very well on it and after lots of advice from this forum felt able to contact them and pass these pay day debts to them. They were very understanding and supportive So far i have heard from 9 of the 11 and all but 1 have been OK and accepting of the circumstances. I have made token payments to 6 so far who have supplied me with their bank details ( £10) each and will do so in July also as Step Change cannot add until August Access Fast Money rang me at work this morning and said they will conatct Step Change. They then sent me an email saying that i have defrauded them and they are passing my file to Action Fraud and i will die and live in hell for ever!!!! They say they have recorded phone conversations, but they cant use those as they are for training only, to say that i had no intention of entering a debt plan and that i wasnt in one. i lied a little but i think that Action Fraud will not be bothered over £150, well, deep down thats what i am hoping. Does anyone have any advice, shall i just pay them even though i cant afford, or pay them more than £10 and just hope they dont tell on me????| Thanks so much in advance Em

HiI got through with step change and they were very helpful and have agreed to let me stay on the plan and add my payday loans. Mitigating circumstances they said. I will pay the extra that i paid for pet insurance towards my debt.Thank you everyone for your help, i can sleeop again at night.I am chasing welcome finance on a CCA as i have been paying them for 9 years and still owe £6.5k, and i never took any extra ppi's or insurances etc as i knew not to. I used to sign to them all then go away and cancwel them just to annoy the sales peopleWill post in welcome finance when i get some news backthansk again everyone

Thank you so much for your advice

HII emailed step change but they havent replied, i then nearly set up a debt settlement plan with Money Expert but got cold feet and changed my mind, i have had wonga moaning at me but nothing too worrying and now i have getapaydayloanfast/onesys giving me grief.I have sorted my bank and put a spam blocker on myphone but have just read about marshall hoare turning up at peoples houses, is this true?Will keep you posted

Thank you everyone for all your help

Thanks citizen BFuneral expenses and euthanasia are not claimable but they were very professional and helpful at the pet crematorium,.Will the payday lenders come to my house?

Thank you for your adviceI have about £11k left with CCCS/StepChange, down from 17KI understand that i an not allowed to get payday loans whilst on a DMP and they may kick me off. Is this true?As for my pet isnurance, it was with virgin, when she got to 12 years old they took her off cvonitunuous and id dint realise, so re-occuring illnes over a certain amount are not covered. We did however give her the best chances and i dont regret any of it. What is the best thing to do now after cancelling my bank account? I appreciate all your adviceMany thanks

HIThank you for taking the time to read. Yes, i know i was stupid as i have borrowed. I pay £66 per month insurance for my dog as she is old and in April she had to have a further operation. Basically she had a further 3 through April and then we lost her. The vets bill was £2752 which i thought would be covered through my insurance which i paid for 14 years. Only £900 was covered as classed as a re-occurence, anyway, i borrowed from a few payday lenders a few weeks ago to pay the Vets and used the rest of my salary. I borrowed from - Liquid loans £260.00 mr lender £300 Money in Advance £220 Get a paydayloan fast/onesys financial £200 1st Stop payday £225 Text loan £300.00 These are all due in a couple of weeks. I have gopt caught out before with payday loans and paid so much back, several years ago. I have closed my account. There is no way i can pay these, what are my best options. It is sad to say that i have £60.00 a month surplus now as i no longer have any pet insurance to pay for. I am on a DMP with CCCS/Step Change and pay £115.00 a month. I am due for a review and can up this by at least £25.00 a month as that was my wage increase with tax allowance. I am scared i will be done for fraud, my partner is not at all undersatnding and i darent tell her. Do i tell my DMP, do i take another one, or should i try to arrange individual monthly repayment terms. With my salary i can make about £80 a month payments. Sorry to go on, please help. I am in pieces after losing my dog and have found myuself in a very scary position. Many thanks

I forgot to mention - 7 laptops were also stolen ( when she wasnt even in the country)

HI My brothers partner was sacked on friday for alledged theft. She had been on gardening leave for 4 weeks+ where her employers had failed in their duty of care and did not follow the correct procedures. The crime - Nothing!!!!! It transpired that some receipts that my brothers partner had access to had been tampered with ( not her handwriting), and money missing. A total of £500 over a 1 year period. All the other staff in the dept ( 8+) there also had access to these receipts. Also, this happened when my brothers partner was away in France as well. However, she had been bullied by a new boss who is an active member of BNP. My brothers partner is indian. They refused to accept witness statements, failed to stick to appointments, did not allow witnesses, failed to accept evidence from others, and did not take into consideration the other thefts and evidence. She has been advised to now go through the appeal process and then a tribunal. The people in the dept who all handled the receipts have not been investigated and the investigation was done by themselves. So whoever stole the money, did the investigation too. It is very interesting as the only other BME worker at the college is also being sacked for a jumped up reason. This company ( a college), has very large contracts with Sri Lanka and China for foreign students and recieves large amounts of money from the Govt. to recieve these students. My suggestion is to go to the papers and also inform the stakeholders or board of governors. What do you think Thanks

Thanks - no ppi etc on anything, however vanquis charge me 45 a month for payment protection i think Did an interview with Payplan today and they said they cant help me as welcome and vanquis wont deal with them Not sure which dmp company to use. Any suggestions? Thanks

Hi all I have just written to my local head office explaining that due to some very serious unseen circumstances I am unable to make the full payments this month. Which are £264 and £109 and that could i pay £109 and £50.00. I missed my payment last month and sought permission for this from my local office. I was 1 payment in advance on one of my accounts. Anyway, due to the serious nature of my unforseen circumstances and the fact that my credit card has had £1774 put on by someone else that i cant claim back ( putting me over my limit TO £227 INTEREST A MONTH), i am now ******. Therefore i have contacted payplan and tomorrow doing my interview with them. My question is....... Does Welcome accept Debt Management Plans and if they didnt and it went to court would that show i was willing etc? Also, what will happen to me, will they keep ringing me, visiting etc. Will my partner find out? I dont have assets but am prepared to pay them £200 a month towards my accounts. I think that is reasonable. Any help would be great - thanks I have requested a SAR and a CCA recently. Em

HI I purchased a car in Nov 2007 from Welcome, i was looking at VTing and went to a garage for a HP check. It transpired that my car was on a CST and not Hp at all. So i traded it in as it was knackered, I am now paying on 2 cars monthly. There is a load of rubbish on my agreement about optional fee of £1000 etc. I am awaiting a SAR, I was sold what i was led to believe was an HP contract for a car, not a loan Is there anything i can do? The guy from the welcome office called me up quite late last week and asked me to move my dd for my personal loan to the 25th of the month, the same as my car payment date. When are they gonna close down and leave me alone. Is it worth telling them i have lost my job, wait til my debts gone to legal and hope that they offer me a decent settlement figure, at the minute its silly money Thanks all:)

Thanks very much, i will do that tomorrow I am seeing a solicitor in the morning. If its a loan does it mean i'm stuck with it and cant VT? Cheers

Hi I bought my car in Nov 2007 from welcome, it was my 2nd car. My statement of price indicates Amount of credit/cash advance £8950. I took no insurances as i cancelled them all after 2 days just to **** them off. My apr is 19.9% and flat rate is 10.40% and my monthly amount is £ 264.03. My totalover 48 months is £12673.44. Yesterday i went to a garage to look at a new car, i was interested in VT'ing mine and buying another from Toyota. whilst there, the guy did an HPI check, even though i said i was VT'ing. It came back as no HPI on the car and no loan secured against it. My contract is 2 pages. The title reads - Credit agreement regulated by the consumer credit act 1974 Key financial information: Amount of credit for goods ( P - U) £7950.00 A Amount of credit for refinancing £1000.00 D Total amount of credit £8950.00 They have added £416.00 credit for refinancing On the back it has the usual about no right to cancel etc and the right to settle It says after half the term has elapsed £5.564.16 is the amount needed to terminate. However, at the bottom is states about calculating the amounts and that they are only illustrative. I have paid 17 months worth and are not far off that I looked at my invoice and bill of sale The car was £8075, less part ex £4188.13, sub total £3886.87. Add HP settlement due £4188.133 NET PRICE £8075.00 Amount due from finance company £7950.00 Balance £125.00 less deposit £125.00 So, they added £1000 just to do the deal. Now my query is, what is the crack when you then find out that the car is not on HP and that they have mis sold you a personal loan for the amount, charged you £1000 and added extortionate interest/ As i see it, surely the contract is null and void, it has been mis sold as as a personal loan. Am i now therefore within my rights to just part ex my car, sell it or whatever, and then put my contract into dispute? I have checked over my statement, it is showing as having recieved 10 payments as of Jan 09. Starting Jan 08, I have made 11 payments, being allowed to miss 2 due to being in hospital. However, it took them so long to re write everything after i cancelled my insurances, thats why my dd did not start until Jan 08, but i pai the full amount with insurances then, it looks like that has got lost somewhere. What should i do, shall i put into dispute and challenge it. If there is no HP then what have i got and where do i stand. Many thanks in advance for all your help and advice Emma Hello again i just wanted to add, that i have just checked all my credit reports with Experian and my file is showing below Company name: WELCOME FINANCIAL SERVICES LTD Account type: Hire purchase/Conditional sale Started: 25/01/2008 Current Balance: £7,505 Repayment Period: Monthly Payment: £264 over 49 months File Updated for the Period to: 07/06/2009 Status history: [] brackets indicate most recent months status [ ] What's this? Summary of payment history: In the last 16 months of account activity, the number of status 1-2 is 0 and the number of status 3+ is 0 so it looks like i have nothing recorded against me I am now even more confused