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Re: welcome finance help needed
ok I am begining to understand it now.... I been gettin so frustrated and google eye with all figures flying back and forth and not understandin how they reach certain figures and how they could charge for certain things that were not even happening, like phonecalls we never got or 2 letters sent to same address instead of one nad charges us for both.... that just seemed ridiculous to me and I wrote a letter to them sayin exactly that.
Anyways, right so what your sayin now is that I write to them and say their figure may have been acceptable but new loan agreement is not and that we want same terms as the original loan minus the ppi and any other crap they add.
have you any advice regardin their refusal to let us make payments which they stopped takin from our bank almost a year ago, despite me phonin to make debit card payments and askin for new mandate form coz our bank wouldnt re-start the original debit without a mandate to make a new direct debit each month, and we also had out trust deed advisor contact them and they told him they would send new forms out but still they havent done so.
when I wrote letter to them months ago requestin new mandate form, I asked if they were charging interest on account because I felt whilst the account was in dispute that they were not allowed to add interest to account but obvioulsy they aint replied to my letters so this was somethin that has bothered me....... if they stopped payments and refused to let us pay then why should they be addin interest? Im sure I read somewhere that they cannot charge interest whilst account in dispute...is this correct?
we cannot finance this loan anywhere else because it is secured on property and we are also in a trust deed.
we just want to get back on track and have this mess sorted so we dont have to keep battlin with them.
as soon as we can pay it off then the better off we will be.
thanx so much guys for all help and advice and all the time and effort put into this is always much appreciated..... I know I keep sayin it but its the only way I can show appreciation
ok I am begining to understand it now.... I been gettin so frustrated and google eye with all figures flying back and forth and not understandin how they reach certain figures and how they could charge for certain things that were not even happening, like phonecalls we never got or 2 letters sent to same address instead of one nad charges us for both.... that just seemed ridiculous to me and I wrote a letter to them sayin exactly that.
Anyways, right so what your sayin now is that I write to them and say their figure may have been acceptable but new loan agreement is not and that we want same terms as the original loan minus the ppi and any other crap they add.
have you any advice regardin their refusal to let us make payments which they stopped takin from our bank almost a year ago, despite me phonin to make debit card payments and askin for new mandate form coz our bank wouldnt re-start the original debit without a mandate to make a new direct debit each month, and we also had out trust deed advisor contact them and they told him they would send new forms out but still they havent done so.
when I wrote letter to them months ago requestin new mandate form, I asked if they were charging interest on account because I felt whilst the account was in dispute that they were not allowed to add interest to account but obvioulsy they aint replied to my letters so this was somethin that has bothered me....... if they stopped payments and refused to let us pay then why should they be addin interest? Im sure I read somewhere that they cannot charge interest whilst account in dispute...is this correct?
we cannot finance this loan anywhere else because it is secured on property and we are also in a trust deed.
we just want to get back on track and have this mess sorted so we dont have to keep battlin with them.
as soon as we can pay it off then the better off we will be.
thanx so much guys for all help and advice and all the time and effort put into this is always much appreciated..... I know I keep sayin it but its the only way I can show appreciation
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