Beneficial Finance

hisroyalgingerness · Post by **hisroyalgingerness** » Tue Apr 24, 2007 10:24 am

missed phone call - mr hrg please contact us urgently

ignored

another missed phone call

ignored. i know what it probably is - i have 1 month left paying a tv i got off currys and its prob re that

Letter:

Dear Mr HRG

We have been trying to contact you urgently re your account. Please call us on the following blah blah blah

Shit this may actually be serious

Phone call

HRG: You've asked me ring you
BF: Ah yes, we wondered if we can help you out with any other finance, perhaps you'd like a holiday etc.....
HRG: You've made me ring YOU, to sell something to ME?
BF: Yes, is that ok?
HRG: No it isn't

Abdoulaye's Twin · Post by **Abdoulaye's Twin** » Tue Apr 24, 2007 10:39 am

idiots

David Lee's Hair · Post by **David Lee's Hair** » Tue Apr 24, 2007 11:00 am

Was the number 0800 0121422?

hisroyalgingerness · Post by **hisroyalgingerness** » Tue Apr 24, 2007 11:01 am

David Lee's Hair wrote:Was the number 0800 0121422?

started 0845 which i think means i'm now skint

Henrik's fan club · Post by **Henrik's fan club** » Tue Apr 24, 2007 11:02 am

I thought 0845 was free?

David Lee's Hair · Post by **David Lee's Hair** » Tue Apr 24, 2007 11:03 am

Sure does.

That was the number they where ringing me on, I answered the phone ffor my sins and had to go through a similar conversation to yourself. Consolidate your debts sir, and all that rubbish.

CrazyHorse · Post by **CrazyHorse** » Tue Apr 24, 2007 11:06 am

Henrik's fan club wrote:I thought 0845 was free?

'fraid not. 0845 numbers are "special rate". Whatever that means.

communistworkethic · Post by **communistworkethic** » Tue Apr 24, 2007 11:08 am

0845 is a non-geographic local rate number. that is, you pay a local rate (usually no more than 5p per min) no matter where you are in the country

warthog · Post by **warthog** » Tue Apr 24, 2007 11:10 am

Beneficial are bastards. I took out a loan with them years ago, paid it off early and then found that on my credit reference file it was listed as defaulted.

hisroyalgingerness · Post by **hisroyalgingerness** » Tue Apr 24, 2007 11:52 am

it was the way he said "yes" when i asked if he'd made me ring them so they could sell me something, sounds like its quite common practise for them, fecking dimwits. just wait til watercooler salesman get wind of that technique, we'll all be drinking chilled, filtered north west water before long.

mummywhycantieatcrayons · Post by **mummywhycantieatcrayons** » Tue Apr 24, 2007 12:27 pm

warthog wrote:Beneficial are bastards. I took out a loan with them years ago, paid it off early and then found that on my credit reference file it was listed as defaulted.

Was paying it off early against their rules?

warthog · Post by **warthog** » Tue Apr 24, 2007 12:37 pm

mummywhycantieatcrayons wrote:
warthog wrote:Beneficial are bastards. I took out a loan with them years ago, paid it off early and then found that on my credit reference file it was listed as defaulted.
Was paying it off early against their rules?

Not at all. I did it by the book. Admin cock up on their part.

communistworkethic · Post by **communistworkethic** » Tue Apr 24, 2007 12:42 pm

It can't be against the rules to pay it off early, they have to give that option and repayment is governed (assuming the loan is before 2005) by Counsumer Credit Act 1974 - "rule of 78"

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