Old Loan But Not Any More ...

[Deleted User]

There's no point in just posting random numbers. You need to get a full history of amount, term, rate, any insurance, payments made, interest, fees and any other charges and any changes to the agreement (eg change of APR).

Then we can figure out which direction the balance is moving in, whether you are still being charged interest and what your best move is.

GRUMPS_2

Deleted_User wrote: »

There's no point in just posting random numbers. You need to get a full history of amount, term, rate, any insurance, payments made, interest, fees and any other charges and any changes to the agreement (eg change of APR).

Then we can figure out which direction the balance is moving in, whether you are still being charged interest and what your best move is.

Yes i can see what your saying, i have just found another 2 companies who done some collecting, i will go through it all in the next few days and see what you kind members think my best plan would be

http://s1168.photobucket.com/user/trayjayh/media/file-page1_zpst1p8ol9u.jpg.html

http://s1168.photobucket.com/user/trayjayh/media/IMG_20160824_0002-1_zpsgkz9zxhd.jpg.html

SeanG79

Has the debt been sold on to DCA or are they acting on behalf of A&L, now Santander?

I would send a CCA request with a £1 postal order to whoever currently owns the debt.

Pixie5740

I agree with SeanG79, sending a CCA request might be a good idea. This link even has a template letter you can use.