Thank you for a fast reply, I am going to follow it up and see what happens,as I know owe more then was borrowed at a higher rate because of it. So thanks again. Anons

Forgive me if this is the wrong place? I took a loan out through Loans. UK with |First plus When I fell ill several years ago I contacted First Plus and ask them if I had PPI and was told no. I nearly lost my home but managed to get back to work, First Plus put the arrears onto the loan with the result I pay twice the amount and owe more then I borrowed. Under the PPI I sent in forms to First Plus and low and behold I have the agreement (which I never have seen before) and it tells me when I took the loan out nearly seven thousand pounds was added to the loah, not only was interest added to this it took the amount borrowed . |First plus sent me back copies of all the forms telling me to contact Loans.co.uk I did and the result was a payment of over ten thousand pounds. But I am still paying of the full loan, should not the seven thousand come of the loan now with First Plus as the first added?

Thank you very much indeed, the letter will be sent recorded on Monday. Once again thank you. Anons

I hope someone can help me, I have been contacted by Cabot about a debt in 2010, I did not know about this and requested prove (I sent the request letter and a pound postal order) this was sent back saying they did not have to supply this information, I then sent the debt barres letter as it seems this is at least 7 or so years ago, they again sent this back saying it was not. I also told them that debts had been associated with my name but were not mine. so I sent them an account in disbute letter they again did not accept this, so I decided to ignore them. Just before Xmas a letter from mackenziehall arrived saying the debt has been passed to them, I sent them a letter explaining all that had passed with Cabot, today they have sent me a letter saying my complaint is not upheld so pay ( wrong address as well on the letter). Should I now send the same letters to them asking for the same info? :-x:-x

Thank you all for your advice, I am acting on it as I speak. Once again thank you for taking the time to reply, I am grateful. Anons

Can any one help, I am being hounded by Cabot Finance for a debt ( they say it is a current account with overdraft) on recieving the letter I sent off a request for the documents with the £1 which I was sure would clear me as I have never held such an account with the bank qouted (Halifax). They sent the request back saying it did not cover bank accounts and that it had to be me as the bank had said so? I talked to them to see if I could get the documents that said it was me, they refused again saying they didnt need to as the bank said it was me. They wil not submit proof and keep phoning even though I have told them I will only deal in writing with them, they have told me they will keep phoning until I pay. What can I do? Thanks in advance Anons

Thank you for the information. Once again thank you. Anons

Ok thanks for that I will do that very thing. Thanks again. Anons

I am being chase by two collection agencies for the same debt, how do I stang if I agree to pay one and not the other? Anons

I know in England I can set uo an IVA (I think it is called) for repayments, is there something similar I can do in Scotland. Thanks Anons

Yes I attended the court, My defence was it was over five years Nolans made ne effort to show payments and the decree was five months ago. Anons

Oh I did request a copy of the original agreement and was told I would have to go back to court to request them as a judgement had been made against me? Anons

I thank you very much indeed, as as you can imagine I am worried sick. Anons

I did not apply for time to pay, Nolans wanted immediate payment the judge said no and set the payment and said if I missed one payment all would be forfit and set a charge over my home ( I cannot remember the tech term) as for debts I have a morgage and loan which I can cover but being on disability allowance it is very tight and the judge set the payment at £50 a month which has to come out of my allowance, and this leaves a big hole in my budget, the Judge does not accept the 5 year rule and takes it from the time the debt was bought by the credit company. Anons

All for a credit card debt of £700 ten years old but with the costs and interest added £1750