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Hi everyone.
I was wondering if anybody could give me some advice. I took out an Amigo loan for £5000, I paid it fully for over a year and then 3 life changing (and financial) events occurred all at once resulting in me being unable to afford the repayments. My guarantor has paid the payments until I worked out a reduced payment plan (2 years it took to do this!). Now paying this reduced agreement the first payment wasn’t declined, however Amigo informed me this often happens due to fraud prevention from the banks, as soon as they contacted me I phoned up and paid straight away. 2nd month same again, payment didnt go through, I was away working and amigo didn’t contact me so I had no idea and a week later I got home looked at my statement and went online and paid straight away. I contacted my bank and said allow these payments. Now on the 3rd month again the payment failed, I get home from work and notice this and I pay online straight away, however apparently I had a 5pm deadline and this wasn’t paid until later that evening so now they have cancelled the reduced payment arrangement with no option of reopening it and now wont even deal with me they want the arrears from my guarantor despite payments being up to date on the arrangement all be it late due to my bank who ensured me the payments would be made but they weren’t despite the money being there? This has already caused my family to tear apart is there anything I can do to continue the reduced arrangement or any advice, they want to take over £500 from my guarantor?
Thanks
I was wondering if anybody could give me some advice. I took out an Amigo loan for £5000, I paid it fully for over a year and then 3 life changing (and financial) events occurred all at once resulting in me being unable to afford the repayments. My guarantor has paid the payments until I worked out a reduced payment plan (2 years it took to do this!). Now paying this reduced agreement the first payment wasn’t declined, however Amigo informed me this often happens due to fraud prevention from the banks, as soon as they contacted me I phoned up and paid straight away. 2nd month same again, payment didnt go through, I was away working and amigo didn’t contact me so I had no idea and a week later I got home looked at my statement and went online and paid straight away. I contacted my bank and said allow these payments. Now on the 3rd month again the payment failed, I get home from work and notice this and I pay online straight away, however apparently I had a 5pm deadline and this wasn’t paid until later that evening so now they have cancelled the reduced payment arrangement with no option of reopening it and now wont even deal with me they want the arrears from my guarantor despite payments being up to date on the arrangement all be it late due to my bank who ensured me the payments would be made but they weren’t despite the money being there? This has already caused my family to tear apart is there anything I can do to continue the reduced arrangement or any advice, they want to take over £500 from my guarantor?
Thanks
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