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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by Longman[/i] [br]First Direct Troubles! I have my court date to go BR this Friday, however...I can see light at the end of the tunnel which First Direct are currently blocking. I have managed to negotiate with all my creditors a F&F figure amountng to 50% of the debt, all except FD. I missed 1 loan payment to them in Jan, called to pre-warn them I would miss it and said all was ok. They then sent me a loan default notice the next day, demanding the loan be settled in full + the interest. This amounts to £19k. They would not put me back onto the original loan agreement (which I could afford) and want a further 1% over BBR to settle the £19k in installments. I have offered £10k to settle this, but they won't budge & are accepting that I will go BR & will not receive anything. Why are they behaving like this? Can anyone suggest any tactics as to how to handle them? I'm gutted that, having agreed with everyone else, it will be my bank of 10 years who BR me! thanks [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.