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The Consumer Forums - www.consumeractiongroup.co.uk | Site profile

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.

Title: The Consumer Forums - http://www.consumeractiongroup.co.uk The Consumer Forums
Url: http://www.consumeractiongroup.co.uk
Users activity: 4 posts per thread
site activity: 3,811 active threads during last week
Site rank: 249 (go to rank page)
Domain info for: consumeractiongroup.co.uk
 

Posting activity table on The Consumer Forums:

  Week Month 3 Months
Threads: 3,811 14,299 40,984
Post: 12,981 51,718 147,991
 

Authority Badge:

The Consumer Forums | Forum Authority Badge

The Consumer Forums posting activity graph:

Posts by:  day  week  month 
 

http://www.consumeractiongroup.co.uk Alexa graph:

Top authors on The Consumer Forums during last week:

Name
Posts
cerberusalert
366
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.
PGH7447
246
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
citizenB
207
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...
angry cat
183
user's latest post:
Dear FOS - you are totally corrupt
Published (2009-11-08 23:59:00)
Your cage should be rattled kraken! the ladies words speak volumes... AC
42man
181
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....
rebel11
174
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....
maroondevo52
149
user's latest post:
NatWest charges for unpaid...
Published (2009-11-08 23:01:00)
Hi, Dusty. Yes, just edit the letter to suit. Regards. Scott.
vint1954
147
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...
hungrybear
140
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...
Happy Contrails
137
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...
 

Top 10 active forums on The Consumer Forums during last week:

Debt Collection Industry - 3,638 new posts Debt Collection Industry - forum profile
Legal Issues - 2,319 new posts Legal Issues - forum profile
Parking / Traffic Offences - 832 new posts Parking / Traffic Offences - forum profile
General Debt Issues - 825 new posts General Debt Issues - forum profile
Bailiffs and Sheriff Officers - 681 new posts Bailiffs and Sheriff Officers - forum profile
Employment Problems - 598 new posts Employment Problems - forum profile
Mortgages and Secured Loans - 476 new posts Mortgages and Secured Loans - forum profile
General Consumer Issues - 352 new posts General Consumer Issues - forum profile
Benefits, Tax Credits and Minimum Wage - 304 new posts Benefits, Tax Credits and Minimum Wage - forum profile
The Bear Garden - 265 new posts The Bear Garden - forum profile
 

Top 10 forums on The Consumer Forums:

Debt Collection Industry - 148,661 posts Debt Collection Industry - forum profile
Legal Issues - 79,011 posts Legal Issues - forum profile
General Debt Issues - 45,848 posts General Debt Issues - forum profile
Parking / Traffic Offences - 36,882 posts Parking / Traffic Offences - forum profile
General Consumer Issues - 29,110 posts General Consumer Issues - forum profile
Bailiffs and Sheriff Officers - 27,294 posts Bailiffs and Sheriff Officers - forum profile
The Bear Garden - 23,958 posts The Bear Garden - forum profile
Payment Protection Insurance (PPI) - 20,056 posts Payment Protection Insurance (PPI) - forum profile
Mortgages and Secured Loans - 18,752 posts Mortgages and Secured Loans - forum profile
Employment Problems - 17,926 posts Employment Problems - forum profile

Latest active threads on The Consumer Forums:

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
Forum:  Debt Collection Industry Debt Collection Industry - forum profile
Thread:  Show this thread (20 posts) Thread info: HELP with possible Statutory Demand from RED Size: 79 bytes
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The Consumer Forums
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.
Forum:  NatWest Bank NatWest Bank - forum profile
Thread:  Show this thread (122 posts) Thread info: NatWest Iressponsible lending Size: 181 bytes
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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.
Forum:  Mortgages and Secured Loans Mortgages and Secured Loans - forum profile
Thread:  Show this thread (2,236 posts) Thread info: Spml/london Mortgage Company Size: 363 bytes
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The Consumer Forums
Started 1 month ago (2009-10-06 15:57:00)  by Spamalot
Me
Forum:  CAG Meets CAG Meets - forum profile
Thread:  Show this thread (509 posts) Thread info: Leeds Christmas Meet - 20th November 2009 Size: 142 bytes
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The Consumer Forums
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.
Forum:  Barclaycard Barclaycard - forum profile
Thread:  Show this thread (169 posts) Thread info: morgan & stanley /barclaycard Size: 295 bytes
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The Consumer Forums
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 ...
Forum:  HSBC Bank HSBC Bank - forum profile
Thread:  Show this thread (10 posts) Thread info: Long Lex v HSBC Size: 4,210 bytes
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The Consumer Forums
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.
Forum:  Debt Collection Industry Debt Collection Industry - forum profile
Thread:  Show this thread (4 posts) Thread info: Initial CapQuest Demand Received - Advice Please. Size: 133 bytes
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The Consumer Forums
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 ...
Forum:  Debt Collection Industry Debt Collection Industry - forum profile
Thread:  Show this thread (14 posts) Thread info: Best CCA request on site? Size: 2,986 bytes
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The Consumer Forums
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.
Forum:  Debt Collection Industry Debt Collection Industry - forum profile
Thread:  Show this thread (8 posts) Thread info: Capital One Size: 347 bytes
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Hot threads for last week on The Consumer Forums:

Mortgages and Secured Loans
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.
Forum:  Mortgages and Secured Loans Mortgages and Secured Loans - forum profile
Thread:  Show this thread (2,236 posts) Thread info: Spml/london Mortgage Company Size: 363 bytes
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CAG Meets
Started 1 month ago (2009-10-06 15:57:00)  by Spamalot
Me
Forum:  CAG Meets CAG Meets - forum profile
Thread:  Show this thread (509 posts) Thread info: Leeds Christmas Meet - 20th November 2009 Size: 142 bytes
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Debt Collection Industry
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 ...
Forum:  Debt Collection Industry Debt Collection Industry - forum profile
Thread:  Show this thread (1,366 posts) Thread info: Multiple agreements falling within section 18 CCA 1974 - Page 4 - The
Consumer Forums Size: 1,351 bytes
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The Bear Garden
Re: The last post Wins. - 112 new posts
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.
Forum:  The Bear Garden The Bear Garden - forum profile
Thread:  Show this thread (2,099 posts) Thread info: The last post Wins. - Page 5 - The Consumer Forums Size: 878 bytes
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Legal Issues
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
Forum:  Legal Issues Legal Issues - forum profile
Thread:  Show this thread (102 posts) Thread info: sj - lost! but battle still continues? Size: 465 bytes
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Legal Issues
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.
Forum:  Legal Issues Legal Issues - forum profile
Thread:  Show this thread (362 posts) Thread info: Help Needed for Court Case. Claimant ignoring Directions and Witness
Statement needed by Friday Size: 88 bytes
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Statement needed by Friday :: Legal Issues :: The Consumer Forums"
Legal Issues
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
Forum:  Legal Issues Legal Issues - forum profile
Thread:  Show this thread (373 posts) Thread info: HELP Please Court papers received today Size: 325 bytes
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Legal Issues
Re: Help - 77 new posts
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.
Forum:  Legal Issues Legal Issues - forum profile
Thread:  Show this thread (1,512 posts) Thread info: Help Size: 376 bytes
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The Bear Garden
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!!!
Forum:  The Bear Garden The Bear Garden - forum profile
Thread:  Show this thread (231 post) Thread info: What Made You Want To Swear Today? - Page 3 - The Consumer Forums Size: 184 bytes
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Legal Issues
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?
Forum:  Legal Issues Legal Issues - forum profile
Thread:  Show this thread (1,344 posts) Thread info: Egg Credit Agreements-what do i think is wrong with them Size: 137 bytes
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