FLM QUICK Hi I’ve taken a small loan with FLM Quick of the amount £500 in approximately in May to July 2011. I at that time was in full timeemployment and had been for 9 year’s. Towards the end of February I resignedand now I am unemployed and am on JSA. Since I’ve taken this loan I’ve been charged £558.23 & that’s all INTREST& CHARGES. Some month I get INTREST & CHARGES two times within a month and even three timesa month. They are now e-mailing me and textingand phoning my guarantors home phone and mobile and leaving her text messages ande-mails. I have a Guarantor that’s unemployedand was when I was given this loan from them. I have written a letter to themwhich I have put below but with of course parts edited. This letter has been totally ignored, phoned my bank they have put me on amoney management plan so no one can talk money for 6 month as I am already overdrawn. But yet they have my guarantor bank details and have taken money out of heraccount. She phoned the bank (Halifax) but there is nothing they can do as it’s not aStanding Order and it’s not Direct Debit. They say it’s a card payment, she hasonly ever authorised payments to be taken out once yet they have taken two extrapayments without her consent or authorisation. What should she do now as the bank are clearly not helping and FLM are writingto me saying they will take further action. I have paid there £500 I took withthem back but now they want me to pay them all this interest. I am unemployedand so is my guarantor surely they cannot treat us like this. If you think you can help please do I am looking to take this futher, suethem for harassment etc...

Hi, been a long time since I last posted in CAG... I have a coupe of quick question about my credit file I'm hoping someone can answer. I have a default marked on my CR from December 2006, which was settled in May 2011. I understand the default period ends 6 years after the date of registration, in my case, December 2012 but I wondered how it would show on my credit report, as Equifax states: "The information will stay on your Credit Report for 6 years from the date the account was ended." - does this mean the date of default or the date of settlement? I really don't want this hovering on my CR for another 5 years. Second, I have a settled account from June 2011 that was never defaulted, but was operated 4 months in arrears for several months prior to the settlement. I know this has a bad affect on my Credit Score (which is gubbed atm anyway, thanks to the default!) but how do lenders view this as time passes and the arrears age? Do they still take them into consideration, even though they're over 12 months old and the account has settled, or do they lose potency over time until they are a non-issue? Thanks.

I am getting lovely offers from Marlins over an old YB overdraft. Now I sent a SAR to YB way back in 2010. YB kept charging £25 for a returned DD even though the account were closed, they transferred my old joint account to a single account but did not move over the Direct Debits. Now between September 2009 - November 2009 total costs £275, now in the charges calculator does the interest go to the date the account was sold / closed i.e should I put in Sept 2009 - Dec 2009 or is it to the date of claim. ??? Excuse me for being dumb but this could nearly wipe out my debt with Marlins.

Hi all. As some might know, ive been having calls off capquest the last few weeks for a debt i have no knowledge of. I know i have to send the Prove it letter and i will be doing so. However, would me sending them the letter along with my name and address put me on some kind of list. Like with what happens when someone answers their "security questions" on the phone? I'm pretty up to date with DCA's and their tactics, i'd just like to know where i stand with the letter and this outfit. http://www.consumeractiongroup.co.uk/forum/showthread.php?358672-Capquest-fun(5-Viewing)-nbsp is the thread with the info.

A Mate living up in North Yorks has had his first ever visit from a rent-a-thug, it turns out the guy has his own one man band ltd bailiff firm and is being subcontracted warrants to enforce by Jacobs. His certificate however claims him to be an employee of Jacobs, and the Court he is certified have confirmed this. Does that make any difference, ie, is he still able to visit and attempt to enforce, if his certificate is wrong? I cannot remember at all re cert's its too hot for my brain to work properly At the moment, he has not managed to make any levy's. This is for a parking ticket from a Council "pay and display" park. It seemed weird from the info until mate got Jacobs to confirm it was subcontracting. This guy and his "registered office" (probably his home) is in Durham, he is enforcing in North Yorks, and his certificate authorising him to work for Jacobs is with Birkenhead Court. Our unwanted guest is the proud owner and director of A&C Bailiff's ltd. Company number 07459065

Can anyone tell me what it costs to lay an information in front of a magistrate? I have tried to Google it but I'm not getting the simple answer to a simple question. Thanks

Hi everyone, I have a default on my credit account which is 6 years old on the 1st July. My question is, the default was applied on the 1st but I partially settled the balance in November. What will show on my credit file after next month? Will it just show the PS or will the default still show until the PS falls off in November? JJ

Hi I bought my son a DSI from toys r us in preston on 12/11/11. This was a present for his birthday 24th dec. Anyway it worked for about 1 month if that then packed in, kept freezing and just not working. So for the past 5 months its not been used. I have FINALLY just found my receipt, so my question is..... if I return it to the store will I get a replacement?? as I don't really want to send off to a manufacture and have to wait more, I just want it kept simple. I've heard a bit about a 6 month rule, and from the day of purchase 12/11/11 to today 10/12/12, would it still be classed as in the 6 months period before the 12th of this month.???. Like I said I just want a simple swap, I dont want to trvel all the way to the store to be turned away. Any help gratefully received guys thanks.

First sorry if this is in the wrong place but wondered if anyone knows how long it takes for Natwest to get back to you re a basic bank account? We applied awhile ago and filled in the forms,took ID into the branch, etc,took last bit at least 2 weeks agon if not longer, they never said anything but we have had nothing back,no rejection or decline letter so have no idea how much longer to wait, we need a basic account and Natwest was one we found online,tried Halifax and got declined even for a basic account,we do not have the luxury of choosing a bank here as there is only Barclays in the village and as we have had/got problems with them then the least said the better.Most banks also charge for accounts. Once again sorry if in wrong place for post

Just a quicky.... instructions for using FosRunningPPIv2 say Add up the expenditure for the month including charges , interest and PPI and enter the total in the cell in column C. I might be having a dumb blonde moment but:- I know to claim charges seperately but if I enter them as part of expenditure wont this give me a false balance? without the charges included, my balance will be negative sooner than if I include them. Ta

Hi, Ive read many threads on this same topic, but i am confused. I have outstanding balance with QQ, and ive tried setting up payment arrangements, but none of these i can afford. I used to talk to them on the phone, but i do not any more. I sent them an email saying i could afford £5 a week and i want all communicaiton to be over the phone. They sent me this email back: We received your email regarding your loan balance and your situation has been noted. Collection procedures will continue until an acceptable payment arrangement is made. Please call our Collections Department to set up a scheduled payment plan. Now i am not sure what to reply? do i repeat what i said in my prior email to them, or is there something else i need to tell them? Thank you for your time and advice!

i have been battling with ndr for months now over a debt they say i owe quick quid ,quick quid have no account for me and my credit report states that the amount ndr are chasing was settled over 2 years ago i have sent ndr the copy of my credit report but they say this is not prove debt was paid or is not owed any suggestions on what i should do i have sent them the nuisance calls letter and reported to the oft and cab dont know what else to do

Hello, I took a £500 loan from FLM quick on 07/2011 with the agreed repayment of £48.70 per month. I am the debtor and my brother is the guarantor. Okay so I lost my job due to a RTA in january and I've ended up on JSA while im looking for work, (haven't missed a single payment to FLM always on time) but the £48.70 a month is a real struggle whilst on JSA. This is the first month im not able to pay, its due on the 14th. Now my brother and his mrs are expecting a child so if at all possible I dont want to this to be taken from him (he really can't afford it now) so was curious to see if theres any way to reduce the payment at all or any advice ? sorry no idea about these things really, im quite niave Another thing that is frustrating me hugely, is the fact i have been repaying this £500 loan for 12 months now, at 48.70 - 52.28 each month, and my outstanding balance is £475.48. Which means ive managed to pay off less than £25 in one year? Feeling very stuck at the moment, as I've been selling my belongings to cover the repayments but now I have nothing left to sell really, and its clearly not going to be payed off for years and years @ £25/year. Any advice would be greatly appriecated, sorry if this makes little sense as its 5:25am and I've been up all night worrying ha ;/ Thanks in advance

Hi all if you buy a car from a trader ie deals from home (rather than a dealer ship) do you still have same rights if a car goes wrong regards andy

The saga with my brother goes on...and on...and on. His lawyer told me in March that the house (of which I have half) had gone onto the market. I had a look and found that it was on at £30,000 less than a house round the corner sold for a few months prior. He missed the deadline for stamp duty, etc. Anyway, when I pointed this out to the lawyer I heard nothing back. Now I have a letter from another lawyer in the same firm saying that the house "simply is not selling" and my brother is prepared to offer me £45,000 for my half. It's on the market at £148,000. That is £30,000 lower than one round the corner went for a few months previously. He's had POA over the estate. What'smore, the lawyer has changed although it's the same firm and she even got the name of my late uncle wrong, whose will her firm are supposed to be handling. My question is, is this legal as it seems to me that he has deliberately held up the sale of the house in order to make money from me. He's already robbed me of contents, etc. and I've done nothing as I just want rid of him but I feel this is too much to swallow. Any advice would be appreciated. While POA stopped on the death of my uncle, my brother is "nominated executor in terms of the will" according to his previous lawyer. I have still not seen a copy of the will - any requests have been ignored - and it took him seven months to put the house on the market while telling the rest of the family it was on the market straight after my uncle's death.