Just found the site. Great!

Have been using Concept Management to negotiate on my behalf. Peter Walker just doesn't seem to be doing anything for me. DLA (legal people) now writing to me on behalf of Abbey National, to settle debt. They are about to send me Income/ expenditure forms, and alleged debt is approx £16900. Is anybody at this stage? Any advice. Just starting to read through whole of the website, so a bit green at mo!! :-)

-- Chris Andrew (christopher@jhandrew.fsnet.co.uk), November 21, 2002

Answers

I do hope you haven't paid Peter Walker anything yet. He is ex Union Finance - a so-called "debt" consultancy firm in Southend which no longer exists - for obvious reasons when you dig deeper. He has nothing to use against the Lenders you cannot get from this site, and in fact still owes me for the fee I coughed up to Union who did nothing to help at all; in fact Walker's (and J.Sheppard's) intervention made matters worse. It was all a smokescreen - I still got hammered by my Lender. Disclaimer*THESE ARE MY PERSONAL VIEWS AND THIS SITE IS IN NO WAY RESPONSIBLE FOR THE CONTENTS OF THIS POST*.

-- Too scared to say (iwasduped@yahoo.com), November 22, 2002.

I got stuffed by Union Finance too. They took my money for their fee, then made me buy an insurance which supposedly covered me for any personal losses incurred due to the shortfall. They did absolutely nothing to help me get the Halifax off my back, in fact I think they did absolutely nothing, full stop, apart from bank the cheques.

I got further using my own instincts and common sense than through anything that Union Finance did for me.

I did notice, however, when I received my SARN docs, alot of reference was made to Union Finance and their name was written in big letters across the top of quite a few documents - why I don't know, so maybe they had SOMETHING, but I can only assume it was in regard to the MIG.

Anyway, don't fill in the I&E forms until they have explained the debt in full to you, with proof of invoices and bank statements to substantiate their outgoings. Also ask for proof of monies received against the debt. Don't give up until they supply you with EVERYTHING

-- One Angry Mother (madcow678@hotmail.com), November 22, 2002.

I got stuffed by Union Finance too. They took my money for their fee, then made me buy an insurance which supposedly covered me for any personal losses incurred due to the shortfall. They did absolutely nothing to help me get the Halifax off my back, in fact I think they did absolutely nothing, full stop, apart from bank the cheques and then kindly go out of business before they had resolved anything.

I got further using my own instincts and common sense than through anything that Union Finance did for me.

I did notice, however, when I received my SARN docs, alot of reference was made to Union Finance and their name was written in big letters across the top of quite a few documents - why I don't know, so maybe they had SOMETHING, but I can only assume it was in regard to the MIG mis-selling.

Anyway, don't fill in the I&E forms until they have explained the debt in full to you, with proof of invoices and bank statements to substantiate their outgoings (they will ask it of you when they send the I&E form, you have every right to do the same!). Also ask for proof of monies received against the debt - if they send you any details, you may notice they receive a bit more than they credit to your account!. Don't give up until they supply you with EVERYTHING you ask for and don't be fobbed off by incomplete replies and statements such as "that is confidential", or "we feel we have answered all your questions" - if they haven't answered it, keep asking. Write to your MP and copy him/her on all paperwork too.

There is some very sound advice on this site. Read everything that is on here, it will help you pick up clues as to how your lender works and how to deal with them.

Wishing you the very best of luck.

Tx

-- One Angry Mother (madcow678@hotmail.com), November 22, 2002.

Thanks for your comments. I agree whole heartedly. Unfortunately I paid him about £600, approximately 5 years ago. Dohh!

Anyway, going to try to resolve the issue, using this website.

Cheers,

Chris

-- Chris Andrew (christopher@jhandrew.fsnet.co.uk), November 22, 2002.