Mis sold loan from wife.

AMILLIONDOLLARS

bennett2kuk wrote: »

Perhaps you need to look at your relationship. My wife and I lend each other money all the time. There's no time limits and no restrictions. She tends to have change available so pays my bonus ball money at work. I buy her gifts occasionally and she does the same with me.
You know...a healthy relationship.

Another sucker, who hasn't read the small print:o:D

AMD

screamer

Hahahahaha, this thread has made it into Martin's weekly email. How cool!!

cord123

AMILLIONDOLLARS wrote: »

Another sucker, who hasn't read the small print:o:D

AMD

She is just reeling him in.... you wait - BAM - backdated interest and fees will him like a spade to the back of the head.... Thats how us WFI lenders work....:rotfl:

whitewing

Subject access request (Data Protection Act) Under the Data Protection Act, individuals can ask to see the information about themselves that is held on computer and in some paper records. If an individual wants to exercise this subject access right, they should write to the person or organisation that they believe is processing the data.A subject access request must be made in writing and must be accompanied by the appropriate fee. In most cases, the maximum fee will be £10, but this can vary, particularly if the information requested is for health or educational records. If a subject access request is made to a credit reference agency for financial information (ie a credit file), then the fee is £2, and the information must be provided within seven working days. A request must include enough information to enable the person or organisation to whom the subject is writing to satisfy itself as to their identity and to find the information.
Please be aware that if you submit a subject access request to Wife Finance, an audio file of your full details (particularly any failures) will be immediately available. This will be many hours long and, due to a design fault, will only play at greatly increased volume.
Should your information be from years ago, you may ignore the above text requesting full details to identify you. The mere mention of your first name will be sufficient to dredge up all required data, unless Wife Finance is deliberately refusing to acknowledge your request.

gaily

The good thing about WFI is that being part of a joint bank agreement, I can go back into his bank account and move the said debt as and when I decide that the agreement period is over!!! (we've got a joint facility with individual accounts within)

I know that noone likes it when the Bank does it, but if I didn't take control now and again, I'd still be waiting for the £2.50 I lent him the day I met him! He's cool with it - or he'd change his password.

angelsriches

chanz4 wrote: »

ask her for a copy of your agremeent lol, do as most and say not paying you

It's probably not worth the paper it's written on!!!!!:rotfl:

AMILLIONDOLLARS

gaily wrote: »

The good thing about WFI is that being part of a joint bank agreement, I can go back into his bank account and move the said debt as and when I decide that the agreement period is over!!! (we've got a joint facility with individual accounts within)

I know that noone likes it when the Bank does it, but if I didn't take control now and again, I'd still be waiting for the £2.50 I lent him the day I met him! He's cool with it - or he'd change his password.

Word of caution, he may switch bank account without giving you notice, keep a carefull eye on all his correspondence to monitor the situation. if he looks likely to jump ship, five years worth of prepayments is the minimum you should budget for:cool:

AMD

Thefunkygibbons

I have always found WFI to be quite reasonable, although for some reason the statute of limitations does not seem to apply and events of 20 years ago are still game for use in an argument

However FSTs are the real problem


(FST = free spending teenagers)

lawrie28

whitewing wrote: »

Subject access request (Data Protection Act) Under the Data Protection Act, individuals can ask to see the information about themselves that is held on computer and in some paper records. If an individual wants to exercise this subject access right, they should write to the person or organisation that they believe is processing the data.A subject access request must be made in writing and must be accompanied by the appropriate fee. In most cases, the maximum fee will be £10, but this can vary, particularly if the information requested is for health or educational records. If a subject access request is made to a credit reference agency for financial information (ie a credit file), then the fee is £2, and the information must be provided within seven working days. A request must include enough information to enable the person or organisation to whom the subject is writing to satisfy itself as to their identity and to find the information.
Please be aware that if you submit a subject access request to Wife Finance, an audio file of your full details (particularly any failures) will be immediately available. This will be many hours long and, due to a design fault, will only play at greatly increased volume.
Should your information be from years ago, you may ignore the above text requesting full details to identify you. The mere mention of your first name will be sufficient to dredge up all required data, unless Wife Finance is deliberately refusing to acknowledge your request.

I have found that a data protection disclosure is often free from WFI. In fact, I often get one without asking, at high volume, for extended periods. It is calling over delivering of customer service, apparantly.

whitewing

Wife Finance also takes a dim view of you using the loan to buy goods other than the original stated purpose of the loan. This includes sweeties when the loan was to purchase milk. Treats are at the sole discretion of Wife Finance, and for a very limited period.