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Hello I am hoping for advice as after finiding this the other day when i asked how much i owe it has threatend to consume me now and will leave me with no pension.
loan started in 2008 shortly after i had a child with a disabling condition and work was not to be i had enormous arrears and they have taken a warrant out 3/4 times to try take the house
the fees are as follows
collections telephone charges @ 30.00 - 50.00 a time
letters @ 35.00 a time
collection instruction 250.00
buildings insurance £791.00/362/510/600/170/150/165/80/80/78,,,,this varied so much and for the most i had sent in a copy ...of my own plus ge money also do this so im triple covered...
professional fees £86.25
dishonoured receipts @ 35.00 each
court hearing fee £215
court fee £150
Posession proceedings £130
court preparation fee £190
collection visit £110
telephone collections £35 a time
hmpg £110
monthly charge arrears @42.00
monthly charge arrears @46
visit cost £100
posession warrant 18.00
legal costs 120legal costs 230
warrant for reposession again 16.00
legal costs 230.00
arrears charges are now £50
these all come to the grand total of £6562.59
I have paid them to date £18,621.54 in payments
start of loan was £12k @ 13.9%
settlement figure is £21,276.78 today (of which i was told but they did not put down £7k is the actual amount left without the charges....)
i think they said 144 months left of agony to go.....
I cannot be tied to these unhelpfull liars for another ten years who every month remind me they can get a posession order tomorrow ...and tomorrow...and tomorrow ...i have been sick ive had to home school my youngest then had my mum have cancer and die...this is now breaking me can anyone help please i need to sort this out to stop them bullying me?
Thank you
loan started in 2008 shortly after i had a child with a disabling condition and work was not to be i had enormous arrears and they have taken a warrant out 3/4 times to try take the house
the fees are as follows
collections telephone charges @ 30.00 - 50.00 a time
letters @ 35.00 a time
collection instruction 250.00
buildings insurance £791.00/362/510/600/170/150/165/80/80/78,,,,this varied so much and for the most i had sent in a copy ...of my own plus ge money also do this so im triple covered...
professional fees £86.25
dishonoured receipts @ 35.00 each
court hearing fee £215
court fee £150
Posession proceedings £130
court preparation fee £190
collection visit £110
telephone collections £35 a time
hmpg £110
monthly charge arrears @42.00
monthly charge arrears @46
visit cost £100
posession warrant 18.00
legal costs 120legal costs 230
warrant for reposession again 16.00
legal costs 230.00
arrears charges are now £50
these all come to the grand total of £6562.59
I have paid them to date £18,621.54 in payments
start of loan was £12k @ 13.9%
settlement figure is £21,276.78 today (of which i was told but they did not put down £7k is the actual amount left without the charges....)
i think they said 144 months left of agony to go.....
I cannot be tied to these unhelpfull liars for another ten years who every month remind me they can get a posession order tomorrow ...and tomorrow...and tomorrow ...i have been sick ive had to home school my youngest then had my mum have cancer and die...this is now breaking me can anyone help please i need to sort this out to stop them bullying me?
Thank you
