They probably waived the charges because of your good behaviour record, but if you do it again they wont be so understanding. Really glad you got the outcome you wanted. see - its good to talk :D

Sounds too good to be true - how do they make their money??? also, find out where the loan is unsecured or not as most debt consolidation loans tend to be secured againsts assets (such as your house)

We all know what should happen and with some firms we know what script they should stick to however, this isn't a perfect world. I hope no-one is naieve enough to think that all these firms follow the guidelines. They are in mainly unregulated industries and they go on what their employers guidelines are. Unfortunately in many cases the new ...

Forgot to say You need to contact the people who sent you the phone and request activation.

Hi Conor, As a rule yes, if someone living in a house has a poor credit rating, then it WILL always affect everybody else in the house. This always happens especially in flats as when the firms carry out the credit check, it’s on the address not the person. Therefore, if previous residents have had bad credit ratings, it will affect ...

Shakey - i agree with the above and commend you for helping out for free. just have to ask are you qualified to advise on specifics? G

good luck . let me know how you got on

ask to be put through to the customer support unit, explain the situation and then ask for their help - it worked for me ;) x

Guys - lets look at how we can help amnesias partner. Amnesia - here are your options. 1. short settlement , good if you can do and you can afford to but not everyone will let you. 2. Debt Management Plans - this means you will pay back x amount per month. benefits are you might be able to stop the interest building up and you can pay what ...

definately as a first point of contact download conmankillers or tartan armys debt letter. this will start the ball rolling. you cannot be 100% sure it will work but i normally does. income and expense lists are easy to do just be honest and see what you can realistically afford.