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AYL Commercial. I've just had a look at their website. No mention of a licence from the FCA, so they are committing an offence as I believe it is compulsory for all debt collectors to show this information. eg. This is from the Lowell Home Page: Lowell Portfolio I Ltd and Lowell Financial Ltd are co...

See this for information about statute barred debts: <a href="" rel="nofollow">

If the loan was more than six years ago, and you haven't made a payment or acknowledged the amount as a debt in those six years, then the debt is statute barred anyway and cannot be taken to court.

So sit back and have a cup of tea.

Sounds like they've taken the loan out over 25 years. So it's just like a mortgage. Anyone who took out a mortgage of £200k 10 years ago at 9% over 25 years would pay back just over half a million quid!!! Borrow £8k like your parents at the same rate over the same time scale and you would pay back...

You have a mortgage.

You have a second mortgage with a low level mortgage company who charge a heavy interest rate, presumably because more reasonable companies would not lend to you.

Now you want another secured loan.

Sorry, but it sounds like you are living beyond your means.

“ Hi i have some debt in a loan and credit cards i have 3 years left on loan and 3 years min payments to get card payed off would it be beneficial for me to take a loan out and pay both of with that? i have been looking at the Sainsbury's bank one for 5% <a href="/showthread.php?s=3036385c256...

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