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Hey guys, im new here so please be nice to me, im embarassed enough as it is 
ok, Halifax. took a loan out in 2009 to get a new car for work (Domicilary carer) koz its a job u need a car for.
When i applied for the loan i was VERY honest about my job role etc as in I was on a 0 hour contract, but that I was well respected by the manager and was on a regular wage of 300-350 a week before tax. They said it was ok!!
so i took details home, read through a few things, confused about PPI i took it into store and asked them will i be covered by this, again, explaining that I could be let go at any given time without notice (just stop giving you work basically). All i got realy from what I remember was "are you on their payroel", "YES", "then u should b ok".
brill, took out the loan.
4 months in the manager sadly lost her husband and was replaced. New manager = 5-6hours per week. lost my home, lost my cat, lost everything.
I called PPI to explain and all I got was some snappy women with an accept saying "have u been made redundant", I said well in effect yes.
"have u got a redundancy letter", "no, i explained my situation when i took out this loan" "nothing can be done without a redundancy letter"...........
that was that!
contacted halifax again got no help or advice, so I politely argued that I wasnt paying a thing until I had a new job and could afford to as that is what i took the PPI out for. I was getting 20-30 phone calls a day thereafter from their whatever department, I asnwerd once, told them I wasnt speaking to them, I had told them what was happening and I would be in touch when I was sorted.
(i no it was the wrong way of doing it but i was abit nieve then!)
anyways, long story short i ended up with £800 worth of bank charges even though I realy had done my damndest to stop any more charges (was adviced to up my overdraft to cover the charges, which i did, then got a charge for HAVING an overdraft which took me over it again and got even more was bloody rediculous). Eventually, after the birth of my daughter, A debtcollector came round, he was nice so i spoke to him. we arranged £20 per month for the overdraft and he told me the other debt (LOAN) was being delt with by another guy but I was to contact him should the other guy be abusive and he would come help me with arrangements. I was fine with that.
moths went by, no man. no letters. no nothing.
moved house, i have recieved 3 letter at my new address regarding an old credit card from the halifax aswel, which I am now paying back abit at a time, but Ive heard nothing about the loan..........
does this not strike anybody as strange??? they obviosly know where i live so now im thinking have I got a CCJ at my old address after I moved out without even knowing!!!!! I cant get a credit check koz i only have a chashpoint card now im strict with my finances.
xxx c
ok, Halifax. took a loan out in 2009 to get a new car for work (Domicilary carer) koz its a job u need a car for.
When i applied for the loan i was VERY honest about my job role etc as in I was on a 0 hour contract, but that I was well respected by the manager and was on a regular wage of 300-350 a week before tax. They said it was ok!!
so i took details home, read through a few things, confused about PPI i took it into store and asked them will i be covered by this, again, explaining that I could be let go at any given time without notice (just stop giving you work basically). All i got realy from what I remember was "are you on their payroel", "YES", "then u should b ok".
brill, took out the loan.
4 months in the manager sadly lost her husband and was replaced. New manager = 5-6hours per week. lost my home, lost my cat, lost everything.
I called PPI to explain and all I got was some snappy women with an accept saying "have u been made redundant", I said well in effect yes.
"have u got a redundancy letter", "no, i explained my situation when i took out this loan" "nothing can be done without a redundancy letter"...........
that was that!
contacted halifax again got no help or advice, so I politely argued that I wasnt paying a thing until I had a new job and could afford to as that is what i took the PPI out for. I was getting 20-30 phone calls a day thereafter from their whatever department, I asnwerd once, told them I wasnt speaking to them, I had told them what was happening and I would be in touch when I was sorted.
(i no it was the wrong way of doing it but i was abit nieve then!)
anyways, long story short i ended up with £800 worth of bank charges even though I realy had done my damndest to stop any more charges (was adviced to up my overdraft to cover the charges, which i did, then got a charge for HAVING an overdraft which took me over it again and got even more was bloody rediculous). Eventually, after the birth of my daughter, A debtcollector came round, he was nice so i spoke to him. we arranged £20 per month for the overdraft and he told me the other debt (LOAN) was being delt with by another guy but I was to contact him should the other guy be abusive and he would come help me with arrangements. I was fine with that.
moths went by, no man. no letters. no nothing.
moved house, i have recieved 3 letter at my new address regarding an old credit card from the halifax aswel, which I am now paying back abit at a time, but Ive heard nothing about the loan..........
does this not strike anybody as strange??? they obviosly know where i live so now im thinking have I got a CCJ at my old address after I moved out without even knowing!!!!! I cant get a credit check koz i only have a chashpoint card now im strict with my finances.
xxx c
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