Hi there, I am hoping someone can help me - I tried unsuccessfully in Sept 2015 with Egg to get PPI back on 3 loan accounts and a credit card. These were taken out in 2004 and ran for many years before I paid them off - I believe early 2010. My reason is a simple one - I was diagnosed with Ulcerative Colitis in 1992 which is a lifelong chronic disease - I've had many operations and hospital stays/visits over the years, my last visit being as recent as 2 years ago. Certainly on the last loan, it was done on the phone and I was told I couldn't have the loan without taking out the insurance. I was stuck and therefore had to take it. The other applications were online at the time and I believe I never selected this product at all - at that time, these types of things were pointless for me as I couldn't get cover for the one thing I was always ill with. I dragged out the paperwork again last night and have 2 separate rejection letters from them - one relating to the loan accounts and one relating to the credit card - both from Canada Square. There is a glaring error on both which I am hoping will help me resurrect or at least re-submit. Both letters refer to 'my questionnaire' - the issue is I never filled one in - I sent a hand written letter to them with approx 3 or 4 sentences. They asked me to verify identity which was fine and then the next paperwork was we are looking at your case, followed by a rejection letter for both several weeks later. Does anyone think this is worth pursuing with them to re-open on the basis I did not fill in a questionnaire and therefore they did not have the required information to make an informed decision? I am planning on putting a letter together later today saying just that, but would like to post it here later on for advice to see if I have done it right. Any advice or thoughts are truly welcome - I'm so ill at the moment, so any money I can get from anywhere would really help me out. Okay - this is the letter that I have come up with - any advice gratefully received; Dear Sir/Madam, I am writing to you to request that my original claim reference numbers COM/261626/2015 and COM/071766/2014 are re-opened based on the following information; No questionnaire was ever provided to me to complete. You refer in your letters dated 17th and 21st September 2015 on both claims to ‘your questionnaire’ implying I completed one - which I did not. The information I provided you in my original letter dated July 2015 provided minimal information and as such you would not have had all information required to make an accurate assessment of my case. This would have included the following items being missing from my claim; Employment history and benefits available from those employers - of which I can provide proof. Details of my existing Medical condition - for which I can provide extensive documentation and proof. Your staff member who completed the questionnaire without my knowledge has failed me as a customer. I was not aware of this questionnaire at any point, I have no visibility of the contents of this questionnaire. Since vital information was missing from your assessment or was provided incorrectly by a member of your staff, it has distorted the outcome of your decision and should be reviewed as a matter of urgency. Based on the above information, I am convinced that I have not been treated fairly by your Company in this matter at all. Based on the information above, I insist that these cases are reviewed by a responsible person who can deal with the matter correctly and ascertain all the facts before making any decision. I am willing to provide both a completed questionnaire and further documentation that may be required by yourselves to review this matter accurately. To ensure that this matter is dealt with to my satisfaction, a copy of this letter has been sent to your CEO by signed for post; Mr Andrew Nettleton Citigroup Centre, Canada Square, London E14 5LB

Hi, everyone! I'm new here so apologies if I have or if this has been answered before somewhere! I had three student loans in 1995, 1997 and 1998. I deferred paying them for years on end up to around 2010 when I moved abroad and my salary meant I could no longer do so. However, I didn't pay the full amount they required because of my circumstances and eventually stopped paying altogether. After being sent umpteen letters for Thesis and now Link Financial / Capquest, I agreed to pay around 20 quid a month to each. I then stumbled upon this website and read something about my loans being statute barred and the fact that I might not owe anything now as there was more than a six year period where nothing was paid. Can someone just clarify this for me? If I deferred for over six years are my loans considered statue barred or not? Thanks!

Hi I.m new here and need help . Over the yrs me and the wife have had provident loans we have defaulted 3 times on them for thousands over the yrs. They still lent to us mind. Over last few yrs we have never missed a payment but got our self in debt with them. To the point we paying £200 a wk in repayments over long term. We kept renewing loans for more to keep money in our pockets it would last us a fee wks until next renewal to the point that we are at the limit. We did pay it off once to lower payments and renewed straight away then to get more money back but this is how we got to the limit . We paid off with our Christmas no ey borrowed 2 wks later to get our money back but borrowed even more . My wife as aspergers and she hates not paying it especially as we know the agent as live locally. We on benefits which as been stopped at moment due to change over from was to income support not had money for nearly 3wks andooking at another fee wks before it's sorted. We missed last wks payment they been fine with it and going to try and help but can't afford to pay it back at all. My son and daughter been helping is out for so long even my son's boss giving is money to lend . CAB just told us to contact them to make arrangement to lower payment but we been told it looks like we been irresponsible lending and between defaults and constantly renewing for more shows we couldn't really afford them they never looked at our money coming in and cause we needed the money for Christmas we lied what we had coming in I know it's wrong but was desperate.

Can anyone give me the latest situation in respect of claiming compensation in relation to Payday loans which are over 6 years old. I've read suggestions from 12 months ago that the Ombudsman was starting to look at these loans. What's the latest?

Hi Guys, This is my 1st Post so not sure what the rules etc are. I am 25 years old and had unfortunately fallen into the trap of gambling however I have recently (2months back) started GA. The good news is that I have not had a gamble since starting the programme however the bad news is the large amount of debt it has left me in. Whilst gambling I was applying for payday loan after payday loan desperately trying to find the funds to continue with gambling. I was allowed to get payday loans easily to feed my addiction. At one point I believe I had 7 payday loans from different companies at the same time. I have paid off many payday loans however there are many that have now been sent to debt collectors. Is there anything I can do??? Any comments will be greatly appreciated - Cheers for taking the time to read

Hi, This is my first time on here so sorry if this is not in the correct thread. I took a loan out in my partners name in 2015 and he's only just found out. I had a massive gambling problem then, I have tried repaying some of it but my debt spiralled out of control due to the gambling issue and I've stopped paying it! I just need some advice on how to fix this? I know probably some people will judge me for what I did and I suppose it's fair enough but any advice is appreciated. The loan was for £2200 taken with AvantCredit, they did not ask me to prove my identity either, that might've perhaps put a stop to that (I'm not blaming them). Thank you in advance

So within the past few months I had used a loan broker site in an attempt to get a loan. I don't know for sure which one so apologise on the unhelpful nature on this account. I was not accepted so thought nothing of it and moved along. A bit later on I had a random debit for £29.50 from a site I hadn't recognised and again at the end of this month the same payment occurred. I finally discovered who this was and it was a site called My Discount Codes, who offer a subscription service for some sort of discounts. Haven't a clue what they actually do since once I discovered this I demanded the account be closed and to be refunded for the money taken from me. They thought they were admirable in refunding me 25% of the funds and believe I signed up when seeking a loan - something I definitely would not have done and should surely require explicit permission - not signing up then hoping people lapse on the free trial they offer. When trying to figure out who they were and in my dealings with them, I was able to access the Zendesk helpdesk and noticed that it redirects sometimes to 'Loans Direct' (and also 'Old Brands' from My Discount Codes. A quick search of this forum shows they are well known for this sort of thing if it is the same Loans Direct company. Few questions; What are the legalities of taking details to sign up for things like this when the details were used for a completely different purpose? Who are the best bodies to address the issues I have here? What is the best way for me to go about getting a refund? Will my bank still be able to do this 2months on?

Hi a bit of advice needed I had a payday loan with Next Credit. This loan was taken out in early 2013. Unfortunately due to serious debt issues I was unable to pay. Moving forward to 2016, I checked my credit file and Next credit had been reporting the loan as “late payment” for 3 years, no default. I made a complaint with them regarding this and they sent a final response in June 2016 saying “your credit file is a true reflection of the status of the loan”. I was going to raise this with the ombudsman but to be honest I forgot. I want to get this sorted I am happy to pay the balance (what currently is 2.8 times the loan amount) but I feel 3.5 years of late payment markers is unfair. If I pay this now it would be a further 6 years until this falls of my credit report. My question is what can I do, I understand I am out of time to complain to the FOS. I did make a complaint to the information commissioner's office, 4 months ago but I have not heard anything (I have chased this up and they keep saying they are busy) Is there any other options, could I file a county court claim maybe? If I can what would I file it under- i.e- mishandling of personal data? Any advice would be greatly appreciated.

havent been on here for a long time but here goes My father in law took a loan out in 1990 with consumer loan company ( now defuncked) for £50k interest only. the loan was fully repaid after 5 years and transfered onto another loan ( Repayment) which had a charge on his property. After quite a few years when the loan had gone down to about 10k I took the paperwork down to a solicitor who told me that although the loan agreement was not legal the fact that it was over 25k meant that he could not claim against C/ loans. He started to get calls from CEO asking if we wanted to make a small paymet to clear the dept. At this point I smelt a rat as I have never known a bank to except a lesser amount. Just as we were about to start sniffing as to why they were trying to do a deal Consumer loans then disappeared. Last year he got a letter from manchester building society saying they had taken over the loan and they wanted to arrange a payment plan. I took some advice verbally from a solicitor to say that they were probably time barred and that unless we acknoledged the dept they would not be able to claim. but that didnt get over the fact there was a charge on the property that needed lifting. three letters later the last one threatening legal action with a copy of an agreement dated 1990 and for 5 years makes me think A they dont have a legal agreement and are trying it on and hoping we are stupid enough to pay them. B dont realise that maybe we have a potential claim. The fact that they have sent this agreement says to me there is something fishy going on. Somepnes thoughts please.

Thought I would share this Interesting but potentially scary situation Each month I get my clearscore and noddle credit reports and they often have 'offers' of available credit. This month Likely loans came up so i thought hell why not have a laugh and see if they would lend me any money I completed a few very basic details, name address phone number I then got an email saying you are approved we will do some more checks - had that type of thing before and they come back and say no thanks I did not provide my bank details nor did i sign anything Anyway today when checking my emails I found one saying here is your loan agreement and the money will be paid into your account by the end of the day . I checked and found £4K - yes £4K in my bank account. The loan agreement was supposedly signed at 22.12 on 3/5/2017 by me typing my name . It is signed in my sunday name which i almost never use, what little credit i have is in my daily name I am kind of angry With me for applying although i was just curious With them for forging my digital signature With them for paying £4K into my bank account How did they get my bank details- must be from clearscore I have arranged to transfer the money back but it means going home to get the card reader so I can set up the payment, They have promised they will remove all trace from my credit file It is odd that this month clearscore have removed all defaults from my credit file although at least 2 are still valid Not really expecting a response, just ranting Anyone who knows me will know the lengths i go to so that i do not have large sums of money in my bank account - I could quite easily right now be spending spending spending. I would love a new Mac , Ipad, Iphone

Hi Has anyone heard of these ? Loans Expert' based in London. Apparently, they can give a loan, unsecured if you bank an amount then they forward your loan inc the amount you previously deposited ?

I have applied to defer my student loan payments to Erudio Student Loans (firm that the government sold student loans 2). I have given them my bank statement showing I get a small amount from my parents each month (I'm not employed or on benefit and I live at home rent free). Despite having my bank statement showing my income and the source of it (my parents), they now want a letter from my parents saying how much they give me. Surely there's no requirement in law for me to do this and a bank statement proves income and source of that income. This is just blatant attempt to put pressure on me to pay them. Anyone got any advice? They say if I dont get a letter from my parents they will not defer loan payments. Help! Thanks.

Hi I have a secured loan previously owned by black Horse but sold to Sky Loans in 2015 .what a nightmare At point of sale sky loans told me there were arrears despite the account being in dispute In 2016 Black horse made me a credit which more than cleared any arrears and Sky Loans have added various charges extra interest but refused to reimburse me The loan is almost paid any advice Please

Hi, First time poster because I'm having a problem with the SLC! Sorry, this is going to be long... I had a student loan each year of my 4 year undergrad Masters from 2003-2007. I graduated with something like £21,000 of debt and immediately started repaying through PAYE with my job. I was in the UK for 4 years after graduating and then did some travelling starting October 2011. During the travelling, the SLC was in touch with my family who told them I was travelling (and therefore I wasn't earning). With hindsight, I wish I had used my savings on paying off my student loan in full rather than going travelling. : '( In 2014 I settled down in Canada and I've been working there with a visa and got in touch with the SLC via the overseas income assessment forms and have been making monthly payments via direct debits from my UK bank (I send the money to my UK bank from my Canadian bank). As of today, I have £13,040 outstanding on my loan. As an aside, during my time in Canada and my annual assessments, I was having issues with the SLC where they would give me 30 days from the date of the letter to update them on my income and provide proof. Usually I would get this letter 2-3 weeks after the date on the letter, partly because Canada Post is slow but mostly because they were sat on the letters for ages (based on postmarks). That would leave me to scramble with getting a letter from my employer and sending it back to the UK, which takes 7-10 days so my letter to them often arrived late. I even wrote them a letter explaining that if they're going to set a 30 day deadline to someone overseas, they should send that letter immediately! as of October 2016 I'm unemployed. I quit my job in the oil and gas industry due to health problems caused by working crazy hours for the preceding two years. I'm back in the UK because I wasn't able to support myself in Canada (lost my savings in the downturn) and I live with my parents for free. I contacted the SLC and told them I was no longer working. The woman I spoke to was lovely and sent out some new income assessment forms in early November. They asked for proof my parents were supporting me via regular bank payments, which they're not doing since it's not a regular payment to my account and instead they just cover my expenses. I called the SLC again to find out what proof I should submit. During this call, I had a 'disagreement' with their phone operator who started questioning me about how the SLC knows I'm going to stay in the UK, how they know I'm actually unemployed, how they know I'm 'not just on vacation,' etc. I can't prove an intention! I submitted the info recommended, specifically bank statements (UK and Canada) that show I'm exceptionally poor right now, a letter from my former employer with my final date, a letter from my father stating that they're supporting me by paying for everything and letting me live with them rent- and bill-free, and the SLC forms they sent. I gave them everything I could to prove what I was saying, which is more than they were asking for! I also sent it with proof of delivery because of the number of times in the past that they claimed to not have received something I sent (a likely story) and have downloaded this proof of delivery. I sent these forms on December 8, 2016, the delay being caused because I was waiting for the letter from my former employer. Also, by this stage I had made two repayments totalling £148 during my unemployment. I was advised to cancel the direct debit so I did. Fast forward to today I received a letter from the SLC with big red letters saying, 'You need to read this letter and take action to avoid penalties and charges.' They're asking for the exact same info I sent them on December 8. Obviously I'm going to call on Monday to find out what on earth the problem is. Has anyone been through this with this sort of threatening letter?

Hi All, Firstly, apologies if something like this has already been discussed. I have seen similar posts but I think my predicament is slightly different...it's a long story but I hope that some of you will take the time to read it and have some advice for me... So, some years ago, in my clearly very naive and gullible early 20s, I met my ex husband. We got married in 2010 when I was 23, less so because we thought it was the best thing to do, more so for 'financial reasons'. About 6 months before we got married, my ex had started to have some money problems and I noticed some unauthorised transactions on my credit card totally about £800. The transactions came under Victor Chandler and I reported them to my bank's fraud department. On learning that I had done this, my ex decided to tell me that I needed to withdraw my claim to the fraud department as it was to do with him and he could get into a lot of trouble! (He's in the RAF and works in the armoury...I believe being in debt and having gambling problems would be something that's frowned upon in his position...). He explained that he had used a online gambling site to 'transfer money' as he needed it to help his mum... the story was more elaborate and seemed to make more sense at the time.. .anyway I was young and stupid and decided to give him the benefit of the doubt and believe him. I suspected he had a gambling problem, but every time he'd spin me a story and I stupidly tried to believe him. As things progressed, I buried my head in the sand and we got married and as soon as that happened, everything went from suspicious to disaster... The guy had all my bank details, all my personal details... he memorised my bank account numbers and card numbers off by heart! He'd put on a girls voice and call up my bank pretending to be me and all sorts. He took over my accounts completely and in a bid to stop me from finding things out he'd stop me going online by tampering with the phone lines, etc. One day I found he'd taped a small piece of clear tape over the phone plug so I could check my bank online or call them! My life and my finances got to the point where I was working full time and each payday, as soon as I had been paid, literally within an hour all my available funds would be gone. My bank statements from the period which I was with him are just full of transactions of money (mostly) going out and coming in from various online gambling websites. . Despite my feelings deep down and my instincts telling me everything was wrong, I tried whatever I could to just stick it through and hoped he would change and everything would eventually go away! I mean, he went to such lengths to prove to me that things were being sorted...! By May 2013 I finally decided that I was not going to take it anymore. I wasn't going to let him continue to ruin my life and I left him. We separated in May 2013. I moved back to Hong Kong for 8 months to get away from him and stayed with my parents. During this time, my ex husband and I still had some contact as I was still having major issues with my bank and I was desperate for him to sort it out so that, even if I couldn't get any of my hard earned money back at least the black hole of debt would stop getting deeper! Eventually, he told me that a solicitor had managed to get some money back for us, but it was being paid into my account via a payday loan company. As I was out of the country and wasn't up for speaking to him much I didn't pay too much attention to this. Some money did appear in my account from a payday loan company, but the money soon disappeared again. I thought it was just the same old same old. It wasn't until some time in 2015 when I had returned to the UK and got officially divorced from him that I found out that the money that went into my account was in fact a payday loan that he had taken out in MY name. And here in my predicament lies.. .the loan was taken out online, so he used all my details and signed electronically and the money did indeed go into an account that belonged to me. The money then left my bank account going to various gambling websites, and I'm taking a wild guess that all of those accounts to all of those gambling sites were probably in my name as well. This is a debt that I don't feel I'm responsible for at all after all the punishment and the financial ruin he's left me in. In the time I was with him I lost ALL my wages plus some money my parents had gifted me in the hopes we'd settle down and have a decent deposit to put on a house. All in all, I would hazard a guess at losing somewhere between £60-70k in the time I was with him. Not to mention his own salary on top of that! But, now I think I'm stuck with this loan of around £1200. I am now being hounded by the PRA group who have bought the debt off QuickQuid and are sending me letters saying that I need to pay them. I can see on my credit record there is a default against my name under the PRA group for this unpaid debt. It's causing me a lot of stress now as I have finally settled again, with a most amazing man and we are expecting our first child together and would like to purchase our first home but my finances are making me very uneasy. In all this time, I have never contacted the police as I did what I could to try to come to a civil separation from him. I didn't want to get him in trouble as I wasn't sure if it would affect his job and whatever ill feelings I had toward him I tried to stay fair and settle things with as little trouble as possible. Seems though, that the only person suffering is me! Is it too late to take this to the police now? Have I left it too long? My ex husband, to name the things he's done.. .gambled our entire marriage, made up solicitors and created fraudulent email trails. He's taken money from me that should have gone into my bank and brought me home a 'receipt' of paying it in to my account then turned a story about how the money went into the 'wrong account'. He's taken out numerous loans in my name. Opened up accounts to gambling websites in my name. He moved into military married quarters after we were separated using a marriage certificate that was no longer valid, ran up trespass charges for a late march out and slapped me with a bill of nearly £1500! He'd steal my purse... I've never lost my purse in my entire life.. .in the 3 years we were married I managed to lose it THREE times AND every time it's miraculously turned up back on camp.. .minus the couple hundred pounds emergency cash I had in it! He cheated on me. He's even lied to me now about his current girlfriend being sexually assaulted and suffering panic attacks because of it. ..and his poor girlfriend. ..he steals money from her kids...! I apologise for all the excess info and I understand it's all a bit jumbled. I just find it extremely difficult to put what he did to me in words but felt that some background on all the things he got up to might help me get some advice... Thanks.

Hi I am looking for some advice, I have been in contact with Erudio as due to my T&cs in my student loans my loans were due to be cancelled in july 2014. They are now more than two years later claiming I was in arrears at that time and I need to pay more than £4K. I had applied for deferment at the time from SLC they had rejected the deferment I disputed this as in all previous years my tax allowable pension and childcare vouchers were allowed in the calculation and Gross Pay was used to calculate the deferment . I heard nothing back for two years save some statements, a few months ago this from Erudio. I have explained the situation to them several times by letter and email. Now they are calling my home number every day which I don't answer and have repeatedly asked for them to contact by email or letter only so there is a paper trail. I have additionally contacted the financial ombudsman. Does anyone have any advice on how to approach this Thanks

Apologies if this is sat in the wrong section. My son applied to Amigo loans in order to purchase a new car, He asked me if I would step in as a guarantor which after some consideration I agreed. I know many of you will say I signed it and that's just the way it is. I accept the position at the time. However what has troubled me since is as follows. My son borrowed a substantial amount of monies however he defaulted the first month, the second month and so on.. through to month five. I have paid every month to date as a guarantor. I have raised a complaint based on the due diligence and the affordability of the original loan applicant and furthermore the proof of affordability from me. I provided no proof of affordability although my credit file is perfect so I would expect ay loan application to be approved on my signature. However what concerns me is the following - My son who has now defaulted the loan every month, and also ignored me completely. I raised a complaint and challenged the proof of affordability. It has been confirmed in writing and by an authorised telephone recording the following.. My son has a poor credit file with defaults going back 4 and 5 years ago, poor credit rating full stop. It was confirmed Amigo loans did not look at Bank statements, but only looked at wage slips.. only took on-board the income and only discussed the expenditure but never had to prove this expenditure. I have borrowed monies from many various private and commercials over the years and the loops that I have to jump through are many providing bank statements both commercial and private etc to demonstrate affordability. yet Amigo loans admitted today that they never got physical proof of affordability and a month after pay out they received bank statements at my request and the statements demonstrate affordability and the statement were shocking. My question and getting to the point is were is my protection as a guarantor? How can any finance house lend monies based on income and no physical proof of expenditure especially with so many defaults on his credit file. This demonstrates that responsible lending is Clearly very distant from Amigo loans mind-set and they are just out to nail the Guarantor. Charging a 49.9 APR claiming it is because of risk, I have asked what risk? they take no action against the defaulted loan applicant unless the Guarantor stops paying. then they take action against both... I know I have myself and my unconditional love to blame but surely proof of affordability is key to how these people lend money in the first place. I have now had a final response and now submitted to the ombudsman too. Thoughts please. Thank you

I had 2 unpaid old loans with the speedcredit "group" of loan companies which of course went under a few years ago, I didn't hear anything until a few months ago from a company called "United Kash" who said they owned both the loans but have now passed one of the loans onto another company called "Capital Resolve." I have heard very little from Capital Resolve but United Kash have been sending letters / emails & texts (probably phone calls too but I don''t answer unknown numbers.) I have been ignoring all of these forms of harassment, now last week they sent me a text ONLY saying they were going to send a "debt recovery officer" to my house within 10 days unless I get in contact with them which I also chose to ignore, however they have now sent me another text saying that the "debt recovery officer" is going to visit my house this week which has got me a little worried?? The thing is that I still live with my parents and they do know about the previous debts etc but I don't want anyone randomly turning up to the house, so I need advice on what to do. the debt were both £400 which of course with the way the previous owners worked they soon ballooned up into the 1000's, they have sent several payment demands stating that they want £800(not sure where they got that figure from) but they are happy to accept £600. I believe the debts are around half way to statue barred too. So, I need advice on what to do.

Hi All, Apologies if this isn't the right place to post this but it was the most suitable heading I could find. In April 2012 I took out a £5000 loan from Amigo with a 60 month term, I know the interest rate is ridiculous and anyone would be stupid to actually use these people but I needed the money and at the time this was my only option. I worked out yesterday that I had 10 months left of the loan and around £2200 left in payments to make but when I checked the statement the balance was £3095 (before they add any interest on for the next 10 months). So I called them this morning to ask what happens to the £900ish that would be left, if they didn't add any more interest. The guy on the end of the phone kindly advised me that I have 20 payments left and I'd made 50 - so 70 payments for a 60 month loan... When I asked him to explain he said it was because of a couple of things: 1. they paid the loan out on the 16th April 2012 and the first payment was made on the 1st June 2012 (this was the date they advised me the first payment was due) 2. I've changed the payment date twice, first from the 1st of the month to the 22nd and later from the 22nd to the 28th. I haven't missed any payments, just extended the payment to 3 weeks later and then a further week. With point 1 he said the first payment should have been made within 30 days of the loan payout to 'protect the terms of the agreement' but as I pointed out to him, I didn't ask for this to be the first payment date - they told me that was when the first payment was due On point 2 he told me that changing the payment date would affect the total loan duration and therefore may cost more in interest - I get that - I moved the loan payment by 28 days so instead of the final payment being the 1st May 2017 it would now be 28th May 2017 These two things apparently add 10 months to the term of my loan at a cost of 217 a month (£2170 for a 28 day payment change) How can this be and what can I do about this? As far as I'm concerned I had a 60 month agreement with fixed payments and the interest rate was variable - how can they just add 10 months onto the agreement and force me into paying so much extra. As if the £8000 interest on the original £5000 wasn't bad enough Help me please

Hi all, my daughter has received an Interim Charging Order for a £2700 debt incurred by her sister, jointly named on the paperwork. She has no knowledge of this, and also, Lightfoots appear to have obtained this order by using Land Registry search and she has received absolutely no other communication. She has no CCJ's showing on her credit report, but we have found other defaulted loans she knows nothing about. However, TFS isn't one of them. She is paying her mortage on a house with negative equity, having been left in the lurch by her former partner, so the mortage is still in joint names as far as I am aware. The covering letter gives her 28 days to respond, what should she do please

Hello, I have been following this intermittently since I joined last October 2015. http://www.consumeractiongroup.co.uk/forum/showthread.php?452513-Sallie-Mae-UK-loans-statute-barred-or-not-scotland&p=4934734#post4934734 I am sort of the same situation, though I moved from Scotland to England in 2012. I am not sure which year Capquest via Sallie Mae, are referring to, but I received nothing after 2007-2008 when the loan was started until 2015, from the annoying letters they started sending me that year. I also had something from Arrow, but I have answered nothing for either Capquest nor Arrow. I tried to contact Sallie Mae UK in 2009 I believe but got bounced emails and nothing except something from an address in Canada, which was dead upon my response. So, seeing as how I am now in England, it is 2016, and theoretically the loan would have been statue barred in 2012 whilst I was still in Scotland, what would the advice be from the forum?

It is the summer of 2015, August to be precise. My wife and I have just ordered a top of the range Schreiber kitchen - £24,000 worth of all singing and dancing fittings from Homebase ( now Bunnings UK ) It was going to be a large contract and we were going to be out of the country whilst the work took place, hence we gratefully accepted Homebase`s offer to project manage the delivery of goods and installation. While we had the cash to pay for the whole thing upfront, we deliberately opted for the 12 month deferred interest free loan arrangement as this would enable us to "sign off" the work to our satisfaction before the loan was activated. So far so good. The small print on the Terms and Conditions of the loan- as laid down in the Consumer Credit Act 1974 - stated that; "After we have accepted and signed this agreement and you have received the goods or services, we will pay the loan amount to the retailer". Well, the kitchen fit s a disaster. Long delays, notifications to ourselves in Florida !! on our mobile phones of goods being delivered and, worst of all, the top end larder units which had swung our decision to go for the kitchen in the first place didn't actually exist ! Trying to co ordinate the snagging from the USA was a nightmare and when we returned home in early December 2015, the kitchen was still without the units which had to be specially manufactured in Italy. We had a succession of top level meetings with senior staff at Homebase ( up to and including Divisional and Regional Managers and the attention f the then CEO ) The final meeting with 4 Homebase personnel took place on 4th December 2015. On 7th December 2015, we received an e mail from Barclays Partnership Finance congratulating us on our purchase and notifying us that our loan agreement had been activated ! Surprised ? You bet we were ! Having to fight with Homebase to get the kitchen finished was bad enough but having the one bargaining chip I possessed being taken away was even worse. Cutting a very long, painful and tedious story short, our kitchen was finally finished and compensation agreed with Homebase on 1st July 2016. The explanation was that the sign off system is computer generated ( isn`t it always ? ) and that receipt of delivery notes - plus an allowance of time for the fitting process - triggers the loan activation. Fine, except the average time for activation bore no resemblance to the date on which my loan was activated. Basically, even though Homebase knew we were heavily into dispute over the kitchen delivery and fitting, someone, somewhere decided that it was tie they got their money. I took issue with both companies but mostly with Barclays because, at the end of the day, I had NOT received all the goods and I had most certainly NOT therefore received all of the services at the time they decided to activate the agreement. Going through Barclays byzantine complaints process ( around 15 letters from them and 8 from myself plus countless hours on the phone ) got me to the point where Barclays told me that they could activate the loan at any time and that I should read the terms and conditions more carefully. Nice. EXCEPT, they are and were wrong ( see the third paragraph above ) They can only activate the loan once the goods or services have been supplied. Finally, they acknowledged that their own wording and my interpretation of it were correct. At which point, they simply re interpreted the rules - or rather, invented a new one - by saying the following ( excuse the grammar, it is Barclays own exact words ) :- "As you had received some of your goods, we are allowed to release the funds to the retailer. As Homebase requested this and because some of your goods had been delivered, we were effectively allowed to do so which meant that your loan with us went live" Problem is that this wrinkle is NOT spelled out in the terms and conditions and was not made clear to me at the time signed the contract. I am awaiting a response to my request for Barclays to point out to me exactly where it says they can do this and to date ( one month on ) I have yet to receive a reply. Spoke yesterday with an employee who said that the person I had written or someone in her team would be responding to me. Still waiting. O yes, I did point out that I had left at least three messages on the lady`s ansaphone. Guess what he told me ? They are so busy dealing with all other aspects of customers complaints that it is their policy NOT to respond telephone messages or call back if you leave one ? Apparently all you can do is request a call back when you eventually speak to someone. Other buyers beware. If you are contemplating such a purchase, ensure that you demand a satisfaction sign off for the delivery of goods AND the fitting services otherwise Barclays will simply pay YOUR money to the retailer without any recourse to you the customer. If and when I hear from them next, I shall be asking for a deadlock letter and then it`s off to the Ombudsman we shall go. Wish me luck, share any similar experiences please and watch this space. "Activation"

Cutting a long story very short, bought a car in May 2016 for a few hundred pounds, have received a letter from Loans 2go saying vehicle was subject to security by the owner previous to the one we bought from and to contact L2Go. Called them this morning and asked to see copy of BOS and authorisation over the vehicle, they said they would release their clam for over three times what we bought the vehicle for. :-x the amount requested is laughably high, the vehicle would be worth maybe £200 at auction, the person on the other end of the line said we have 10 days to respond Obviously courts are closed for the weekend. Advice please Have reported the matter to the police as a pontential fraud

Hi I have had some emails from CRS regarding a debt which was with lifeboat loans but now owned by starline capital limited as they bought the loan book from lifeboat loans when they went into liquidation. The email I have had from CRS informing me of the amount I owe is the first communication of any kind regarding this since taken the loan out several years ago. CRS were chasing £1200 pounds. I spoke to CRS a month ago to dispute this amount as the original loan was for £300 pounds I think asked CRS for the default notice as I have never had one and also a statement of account and a true copy of the terms of conditions. today I call CRS to find that they are no longer going to deal with the account due to the dispute. So I am guessing that CRS have had no response to my request and have given up or know there is proof. What can I do going forward as I cannot find any details of starline capital limited and CRS say all their communication is done via an electronic system and have no contact details for them and suggested I google search them. Any help would be appreciated as I want to dispute this amount and get them off my back.

hi all, apologies in advance if posted in wrong place or incorrectly. I had a secure loan with future mortgages and that in turn was sold to engage credit which has been sold to Skye loans. Are they allowed to do this ? and is Skye loans a mortgage company? I cant find much info on them at all. Also I had PPI with Future and want to reclaim but not too sure how to or who to at the moment. Any assistance would be welcome. thanks Highjinks.