Tweet
Hello
I am seeking help regarding the following: I have been through a rough patch and looking to sort out my debt as generally offered token payments over the last 3 years so I have requested my consumer credit agreement using the 1974 Act. A company called Fredrikson passed the letter to Tesco who claimed the letter was not signed as I used a different font for my signature after a friend suggested not using my signature to avoid my signature being forged. They sent me a letter to sign which I initialed. They wrote saying this did not match their records so they could not release the information and requested I send my driving license copy for signature. I did not do that then I got a call from Fredrikson saying that they did not receive correct signature so Fredrikson has requested I send them a signed letter with my signature. Should I do so? Also, do handwritten initials not suffice as I did before? I'm wondering why they don't simply send me the file so I know how much was borrowed etc. The loan was taken out in 2010. This was unsecured.
I appreciate any help.
Secondly- I also had a secured loan taken in I think 2007. This was originally with Picture who sold it to Webb resolution and now sold off to another company. I used to pay £ 400 a month but my financial problems started when it was with Webb and they agreed the token £50. I am paying the token £50 but the debt is now £47k from originally £33k. For 3 years I paid the repayment without default but interest charges have made it high. I have also requested original agreement and just received an acknowledgement that they are looking into it. Should it not be available what is my position? This was a secured loan. On the other hand should it be produced how can I have debt reduced to at least £33k? I am not in a position to pay mmor than £100 and selling property to council and rent it off them as they have suggested means rent is more than actual current mortgage making me worse off. I need to sort out the debts.
Any advice is welcome and thanks in advance. Sorry for the bother. Things got financially messy.
I am seeking help regarding the following: I have been through a rough patch and looking to sort out my debt as generally offered token payments over the last 3 years so I have requested my consumer credit agreement using the 1974 Act. A company called Fredrikson passed the letter to Tesco who claimed the letter was not signed as I used a different font for my signature after a friend suggested not using my signature to avoid my signature being forged. They sent me a letter to sign which I initialed. They wrote saying this did not match their records so they could not release the information and requested I send my driving license copy for signature. I did not do that then I got a call from Fredrikson saying that they did not receive correct signature so Fredrikson has requested I send them a signed letter with my signature. Should I do so? Also, do handwritten initials not suffice as I did before? I'm wondering why they don't simply send me the file so I know how much was borrowed etc. The loan was taken out in 2010. This was unsecured.
I appreciate any help.
Secondly- I also had a secured loan taken in I think 2007. This was originally with Picture who sold it to Webb resolution and now sold off to another company. I used to pay £ 400 a month but my financial problems started when it was with Webb and they agreed the token £50. I am paying the token £50 but the debt is now £47k from originally £33k. For 3 years I paid the repayment without default but interest charges have made it high. I have also requested original agreement and just received an acknowledgement that they are looking into it. Should it not be available what is my position? This was a secured loan. On the other hand should it be produced how can I have debt reduced to at least £33k? I am not in a position to pay mmor than £100 and selling property to council and rent it off them as they have suggested means rent is more than actual current mortgage making me worse off. I need to sort out the debts.
Any advice is welcome and thanks in advance. Sorry for the bother. Things got financially messy.
