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The Consumer Forums - www.consumeractiongroup.co.uk | Site profile
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Site profile page for http://www.consumeractiongroup.co.uk.
This report page has aggregated and summarized the online discussions from the Message Board located at http://www.consumeractiongroup.co.uk.
This site profile page outlines general site statistics such as: Users Activity, Site Activity, Site Rank, and Top Authors, which are reported in either a table or graph below for a given reporting time period.
Additional site profile information for http://www.consumeractiongroup.co.uk is also shown in the following divisions:
1) Top 10 Active Forums during Last Week
2) Top 10 Site Forums
3) Latest Active Threads
4) Hot Threads for Last Week
Warning: These statistics are generated using 'best efforts' and can experience delays and reporting errors at times. Please note that such statistics do not constitute a site's popularity and/or exact posting volumes at any given reporting period.
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Posting activity table on The Consumer Forums:
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3 Months
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Threads:
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3,811
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14,299
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40,984
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Post:
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12,981
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51,718
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147,991
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BoardReader Authority Badge code for The Consumer Forums (http://www.consumeractiongroup.co.uk)
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Rating - The position measured by activity among all forum sites tracked by BoardReader.
If rating is 10 there are 9 forum sites which have higher activity.
Posts - Number of posts on forum site during last 7 days.
Threads - Number of threads on forum site active during last 7 days.
Authors - Number of authors which contributed to the site within last 7 days.
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The Consumer Forums posting activity graph:
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http://www.consumeractiongroup.co.uk Alexa graph:
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Top authors on The Consumer Forums during last week:
user's latest post:
Unenforcable Credit Card Agreements
Published (2009-11-08 23:57:00)
I've just realised that they've already sent you a blank copy. In that case you can send the 'In Dispute' letter http://www.consumerforums.com/resour...ibed-timescale You are legally entitled to withold payment until they produce an enforceable agreement and the older the a/c the less likely they'll be able to.
user's latest post:
By Phone, Or By Letter???
Published (2009-11-08 17:04:00)
you dont say what the account is, if it is a credit card then have you checked they havean enforceable agreement? if loan same applies if current account have you checked for any charges etc
user's latest post:
Amex "our client requires a...
Published (2009-11-08 21:01:00)
You are correct, it is up to the court to present the orders, but these solicitors live on a planet of their own. I do not think you need to do anything at all now until you recieve the Allocation Questionairre. I suspect that you have been thrown off balance by the solicitors saying that you had 14 days to put in a defence.. when in fact you had already done so. When you get the AQ then you can put in a draft order for directions to get the...
user's latest post:
Fp Settlement Figure- Read It...
Published (2009-11-08 18:40:00)
I think sections 19-22 replace sections 137-140 of the Consumer Credit Act....
user's latest post:
might need a bit of help!!!!...
Published (2009-11-08 22:48:00)
I would write a letter to the Director of Customer Services at HSBC. All you should have to do is pay the £3 or £4 you were overdrawn. Everything else is made up of charges . You asked the account to be closed they haven't done that. Who ever asked you for the £3 or £4 should have told you about any charges at the time, they clearly didn't. Explain that your in the Armed Services and there aren't any local branch's....
user's latest post:
Tale of a Dodgy DN - Further...
Published (2009-11-08 12:53:00)
Quote: Originally Posted by diddydicky there is debate on this point ever the practical soul my opinion is that the judge will say to you if you challenge this something along the lines of "so you are so stupid, you cant fathom out that 28 days from the date of the notice gives you more than ample time to rectify personally (not wanting to get the judge offside) i would not even attempt it! others may disagree, but my opinion is that...
user's latest post:
AA Loan - advice on default...
Published (2009-11-08 23:14:00)
the legal status of things and what gets put to cras are unfortunately not even remotely related even though technically and legally they should be. technically they dont need to formally default to use a dca for collection but they do need a default to go to court. At this stage you have nowt to loose I would personally send a Subject Access Request to AA. specify that you want all documentation - CCA, DN, Termination if appropriate as well...
user's latest post:
HCEO fees: Parliamentary...
Published (2009-11-05 00:13:00)
Quote: Originally Posted by danboy381 Happy, what about the 'VIPER' - seen this installed in a station in surrey somewhere, where the spiked rail springs from the station floor exit and puctures all 4 car tyres. Install one of these, and your drive off losses will be exactly £0.00! db Unfortunately I cannot do that because I (the BP Garage owner) would be liable for a claim, and a criminal prosecution under Section 1 of the...
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Top 10 active forums on The Consumer Forums during last week:
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Top 10 forums on The Consumer Forums:
Debt Collection Industry
- 148,661 posts
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Legal Issues
- 79,011 posts
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General Debt Issues
- 45,848 posts
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Parking / Traffic Offences
- 36,882 posts
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General Consumer Issues
- 29,110 posts
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Bailiffs and Sheriff Officers
- 27,294 posts
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The Bear Garden
- 23,958 posts
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Payment Protection Insurance (PPI)
- 20,056 posts
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Mortgages and Secured Loans
- 18,752 posts
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Employment Problems
- 17,926 posts
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Latest active threads on The Consumer Forums:
Started 4 days, 20 hours ago (2009-11-05 19:45:00)
by PGH7447
wait for the alledged sd to arrive - sounds like a standard threat-o-gram
to me
Started 1 month, 2 weeks ago (2009-09-25 21:19:00)
by middenmess
Hi Ieuan,
You've got a lot to deal with there!!!
You've come to the right place there will be many caggers able to advise and support you here.
Started 11 months, 2 weeks ago (2008-11-27 15:47:00)
by midge61
Hi
I too am with them and agree their paperwork is appalling.
They have recently started badgering me for arrears that they claim come from DEC 2006!
The arrears statement they sent does not make sense and so it goes on.
Keep at them I am sure the court will be on your side.
Good luck next week.
Started 1 month ago (2009-10-06 15:57:00)
by Spamalot
Started 8 months, 2 weeks ago (2009-02-23 02:18:00)
by slick132
Hi Bones,
Whether you pay nothing or make token pay'ts, Mercers will start contacting you demanding pay'ts.
If they've not replied at all after the 12+2 days, just stop paying them, or pay what you can afford if you want to.
Read up on the CPR route.
Started 2 days, 17 hours ago (2009-11-07 22:52:00)
by rebel11
Good stuff, make sure you send letters recorded delivery, they've got 40 days to respond to your Subject Access Request . Update the thread when you get a response. Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of ...
Started 1 day, 15 hours ago (2009-11-09 00:15:00)
by Bazooka Boo
I would keep a copy of the letter for my own records, and hand it to the
DMP to deal with, after all thats what your paying them for.
Started 2 days, 13 hours ago (2009-11-08 02:50:00)
by merlin100
Forgot to turn the screw a bit - the money I donate each month to CAG would have probably been paid to some greedy DCA for years. But thanks to CAG, they get the money.
Many many thanks to all on this site. Debt collection library Follow this link to our debt collection library.
This library contains templates and advice for dealing with debt ...
Started 1 day, 15 hours ago (2009-11-09 00:18:00)
by Bazooka Boo
Not to worry if the agreement is not enforceable, then you are legally entitled to withhold all payments until such time that they do supply you with a legally enforceable agreement.
So stopping payment and them not chasing it, is possibly them realising that they do not have the agreement and they would be unwise to carry on enforcement.
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Hot threads for last week on The Consumer Forums:
Started 11 months, 2 weeks ago (2008-11-27 15:47:00)
by midge61
Hi
I too am with them and agree their paperwork is appalling.
They have recently started badgering me for arrears that they claim come from DEC 2006!
The arrears statement they sent does not make sense and so it goes on.
Keep at them I am sure the court will be on your side.
Good luck next week.
Started 1 month ago (2009-10-06 15:57:00)
by Spamalot
Started 11 months ago (2008-12-10 17:01:00)
by BaseJumper
Andrew1 thank you for the response, and advice. Looking over the A5 copies of both of the alledged accounts initial agreements, side track 1 moment the address on the top is one at the time was not even built according to the Land registry - sorry, 1 was start date 2002, with an outstanding amount of £xxxx this is the one (which is clearly statute barred), but has had the amount that was left ...
Started 3 months, 3 weeks ago (2009-07-19 00:32:00)
by Conniff
Quote:
Originally Posted by lexis200 ....have you all gone to bed yet??
Yay, I win!!! I did, but I just woke up for a pee and noticed this - sorry, better luck tomorrow night.
Started 6 days ago (2009-11-04 15:07:00)
by robcag
Sorry to hear the result of your day in court
May as well take some beers with you to court next time if he's not going to let you speak
Cheers
Rob
Started 1 month, 2 weeks ago (2009-09-22 16:40:00)
by cerberusalert
I'm moving this thread to the Legal forum where you should get some
constructive advice.
Started 7 months, 1 week ago (2009-04-03 15:20:00)
by MAGDA
Hi, don't worry, it is always daunting at first, but you'll be fine. the first thing to do is acknowledge service online and you can also state that you intend to defend the whole amount (if that's what you intend to do). When did you actually take the loan out and has the claimant provided a copy of the agreement? Magda
Started 1 year, 4 months ago (2008-07-13 00:13:00)
by scampjet
Hi Pompeyfaith,
If you intend to defend the claim then you must file an acknowledgment of service ASAP. This allows you a further 14 days ( 28 days from date of service) to prepare your defence. The accompanying N9B form is the one you use for this. Others far more knowledgable will be along shortly I'm sure...but that is your first step if you have grounds to defend.
Started 2 months, 3 weeks ago (2009-08-21 09:26:00)
by babybear39
I hope the youths are caught and punished to the max!!!
Started 8 months, 1 week ago (2009-03-08 11:16:00)
by craigers
If I may chip in, there is nothing regarding the 14 day cooling off period
either. Is that not another factor to support unenforcability?
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