Hi,
I am new and wondered if anyone could help me. I have tried talking to CAB, the ombudsman etc and no one can really help.
Basically, i signed up for a Halifax loan in 2001 which has also got ppi attached to it. then in 2003 i ended up going on the sick for mental health issues. I still tried to pay everyone i owed, but as i ended up on benefits i couldn't afford to do it and i ended up talking to a company called Eurodebt. A friend recommended them.
At the time i was extrememly low and vunerable, i wasn't thinking straight.
A man from Eurodebt came out to see me, and basically looked at all my paperwork, took copies of everything. He then said to go to the cash point with my credit card and withdraw everyday enough money until i had 2,500 and send it to them. i was then to ignore all my creditors until i went into default, where i then had to pay this company monthly some of which my creditors would have the rest they would have.
So i did this and nothing registered. Until 2006 when i closed everything with them and did everything through CAB.
Since then i have looked at my Halifax Loan throughly after having all my case file transfered to me from Eurodebt. And i feel that a) they incurred some of my credit card debt, of which i am still paying off.
B) i was paying PPI on my loan and they didn't advise me about contacting Halifax and having this put into action.
I am after 7 years still paying my Halifax loan of which includes the PPI and interest of the time of taking this out.
So i was wondering where i stood?
Halifax has also been saying that i have been paying amounts that i haven't. So i don't know where all this extra money is coming from.
They have now sold the debt to Cabot and a few days prior my debt was one amount and then they sold it 3-4 days later and the debt has gone up with no explanation as to why.
I pay £1.00 per month, ony 1 payment. And Halifax have got me paying £13.01 at least twice or sometimes 3 times a month. They say it is a cheque that is paid and my 1.00 is also on the statement every month. So Why are they doing that? Or rather why did they do that.
I feel the whole dealing with the debt has been done wrong and i feel let down by both Halifax and Eurodebt. And i am still paying for insurance that is invalid.
What does anyone think about this? Just looking for some advice. Don't know if i am right or wrong in the way that i think.
Thanks
louloubelle
I am new and wondered if anyone could help me. I have tried talking to CAB, the ombudsman etc and no one can really help.
Basically, i signed up for a Halifax loan in 2001 which has also got ppi attached to it. then in 2003 i ended up going on the sick for mental health issues. I still tried to pay everyone i owed, but as i ended up on benefits i couldn't afford to do it and i ended up talking to a company called Eurodebt. A friend recommended them.
At the time i was extrememly low and vunerable, i wasn't thinking straight.
A man from Eurodebt came out to see me, and basically looked at all my paperwork, took copies of everything. He then said to go to the cash point with my credit card and withdraw everyday enough money until i had 2,500 and send it to them. i was then to ignore all my creditors until i went into default, where i then had to pay this company monthly some of which my creditors would have the rest they would have.
So i did this and nothing registered. Until 2006 when i closed everything with them and did everything through CAB.
Since then i have looked at my Halifax Loan throughly after having all my case file transfered to me from Eurodebt. And i feel that a) they incurred some of my credit card debt, of which i am still paying off.
B) i was paying PPI on my loan and they didn't advise me about contacting Halifax and having this put into action.
I am after 7 years still paying my Halifax loan of which includes the PPI and interest of the time of taking this out.
So i was wondering where i stood?
Halifax has also been saying that i have been paying amounts that i haven't. So i don't know where all this extra money is coming from.
They have now sold the debt to Cabot and a few days prior my debt was one amount and then they sold it 3-4 days later and the debt has gone up with no explanation as to why.
I pay £1.00 per month, ony 1 payment. And Halifax have got me paying £13.01 at least twice or sometimes 3 times a month. They say it is a cheque that is paid and my 1.00 is also on the statement every month. So Why are they doing that? Or rather why did they do that.
I feel the whole dealing with the debt has been done wrong and i feel let down by both Halifax and Eurodebt. And i am still paying for insurance that is invalid.
What does anyone think about this? Just looking for some advice. Don't know if i am right or wrong in the way that i think.
Thanks
louloubelle
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