Rant / Advice

wegotitugetit

wegotitugetit

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alex
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2 years ago i got in trouble with money been young and all

anyways got sorted out by getting a remortgage with another company who paid all my debts off baring a few which i now learnt

one was with halifax for a loan of 8 grand and got paid so after all this i was so happy untill half hour ago i got a call from halifax loan dept

saying a owed £102.00 so i explained and he put phone down on me ? what the hell

i rang the loans dept oh yes sir you had a loan which was only partly paid off
what do you mean partly paid you still owe £3000 you ducking what

this was paid in full oh no it wasnt sir i dont have any records as it was 2 years ago and i thought it was all over can they still take me to court etc either though i was promised it was paid

and by a financial company who help people in debt out they paid the cheque direct so what is going on arrrrrrrrrrrrrrghhhhhhhhhh any ideas any one
 
If it were a reputable re mortgage company there should not be a problem, as a reputable company would have supplied you with written confirmation of all loans repaid, rather than what appears from your post to be a verbal promise.
 
How did you pay them each month/week? Cheque, bank transfer, direct debit?

If so, get your statements and work it out...
 
As a matter of urgency, speak to the re-mortgage company and get written conformation of everything that they paid off for you ( not what you think they paid ). Then look at the agreement between you and the company to confirm they have paid what was agreed.

Contact the HX again and request a copy of the account transactions for the loan. One question to ask is why its taken them two years to contact you.

If the two sets of figures don't add up, speak to citizens advise as on a forum you will only get well intentioned advice, which may or may not be based on fact or law.
 
wegotitugetit said:
cheers guys spoke to HX they said its because i paid a lump sum and covered the 2 and half years
Click to expand...

How does that work then. Did they effectively give you a payment holiday for 2 years, using your payment to cover the interest instead of paying down the capital :thinking:

If they did pay of the capital, but there was still some ballance outstanding, why haven't you been paying interest on the remaining balance :suspect:

Definately sounds like you need to speek to a manager rather than the first person on the end of the phone who will probably fob you off. If its not resolved, deffo call CAB.

If you are dialing an 0845 number, have a look here for an 0800 as you shouldn't need to pay for the privilage of being on hold.
http://www.saynoto0870.com :thumbs:
 
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