??The company (bbva)passed this account to transcom. The card is no longer available in the uk. I signed a credit agreement with BBVA not Transcom. Is the APR which was applicable with bbva applicable with Transcom? Thanks

The company folded and pulled the suite card out of the U.K.last year(2008). At the time they stated that transaction should no longer be carried out and that card holders should destroy their cards,and that repayments should continue.This I did and it is only today that I recieved this letter from B.B.V.A.about the account being taken on ...

The above credit card which was linked to the travel site Hotelopia has now ceased and I have recieved a letter from them that my debt is being transferred to "Transcom".who have taken this debt on board.I have conrtacted them and they are basically a debt collection agency. I have a debit balance of 386.00 on this account,I have ...

I TOOK OUT A LOAN WITH PPI.OVER A 72 MONTH PERIOD.IT STARTED IN FEBRUARY 2006.(WITH NORTHERN ROCK) MY CREDIT AGREEMENT STATES THAT 23.20 OF MY MONTHLY PREMIUM IS FOR P.P.I.+ INCLUDING INTEREST ON P.P.I. I DECIDED TWO MONTHS AGO TO CANCEL MY P.P.I.AS I LOOKED AT SOME OF THE TERMS AND CONDITIONS ,INCLUSIONS AND EXCLUSIONS AND FOUND THAT IT WAS ...

i think its fair to say that we have all been shafted by a loan shark company we have followed the avenue to the ombudsman some of us are able to use different methods to decrease or clear our in/flexible loans. however i feel that we can only keep updating on this forum to communicate positive or negative outcomes and hopefully help others ...

like some other people i too have gone as far as the financial ombudsman service and if it costs cahoot,if it makes the ombudsman aware of their practice and if it makes individuals aware of their loan sharking then at least a positive gain is achieved if not a financial one thank you 

yeh they are definite loan sharks, as i have said before we are paying for defaulters,and bad management practise. i am now at the ombudsman level hope other people follow suit 

cahoot/abbey finally gave me a response stating that my apr will stay at 19.9% without answering specific questions e.g.i am a loyal customer ,no defaults,9.9 to 19.9 why....the list goes on so i have now involved the banking ombudsman , i will keep all informed as to progress

yes it is a bad situation with abbey/cahooot they have been taken over by a spanish bank santander however i  believe they are not being fair to the customer and having gone through all their twat i can only say that what i am doing is telling friends colleagues and forums just what they are about. I am awaiting a legal response from a ...

well if that is up to date hang on in there,but check your cahoot messages god luck a lot of people like myself started at that rate and are now at 19.9