Consumer Action Group envelope labels
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Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p
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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
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There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ.
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To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
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Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008 Have you been defaulted?
Would you like to clean up your credit file?
Check it out
| | | | | | Welcome to the Consumer Forums Free advice and support to reclaim your bank charges or to solve other consumer problems.
Welcome. You have just joined the Consumer Forums. Come here and introduce yourself.
You will soon discover what a friendly place this is and get lots of hints about claiming your bank charges or dealing with other consumer rights. | Welcome to The Consumer Action Group
and
The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed.
To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | 
31st August 2008, 00:50
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#1 (permalink)
| | Basic Account Customer |  Old Debts Do Not Just Fade Away And Die!!!
Hello, I Am New To This, Or Any Other Web Site Where You Can Talk To People, And Am Still Getting Used To Being The Proud Owner Of A Computer, So I Don't Know Alot About Them Either, On Resistering I Didn't Know What An Msn Was!!! Still Dont. I Am Trying To Find Out How I Stand Concerning Debts That Occurred Over Seven Years And A Half Years Ago, After My Partner Passed Away. I Have Started To Pay Off Some Of Them. But Wondered If I Should Contact A Debt Consilidation Company, To Try And Sort This Whole Mess Out, Any Help Would Be Gratefully Received, Thankyou. | 
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31st August 2008, 01:04
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#2 (permalink)
| | Site Team |  Re: Old Debts Do Not Just Fade Away And Die!!!
Hi and welcome to CAG
Can you tell us what the debts are for ?
When they were taken out ?
When you last acknowledged/made payment to each debt ?
The answers to these questions will help find the right way of dealing with these debts
saint
__________________ Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie) "How do I...?" A Dummies' Guide to this Forum FAQ Forum rules Consumer Health Forum I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do. | |
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31st August 2008, 01:04
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#3 (permalink)
| | Platinum Account Customer | Re: Old Debts Do Not Just Fade Away And Die!!!
birdie- welcome to the world of the internet.
Unsecured debts do in fact most definately fade away and die, six years after you last make a payment for them, so long as the creditor has not started made a claim in court.
When you make a payment before six years elapses, the limitation clock is set back to the start.
After six years, the debt is dead.
As dead as a dead parrot which has ceased to be, even though it may be nailed to it's perch and appears to move when someone shakes the cage.
If you didnt make any payment to those debts for six years, forget about them, dont make any more payments (unless you really want to) and get on with the rest of you life.
__________________ This form is well hidden on the OFT's website and appears to be for the use of solicitors, but I see no reason why individuals cant use to to bring DCA harassment to the attention of the authorities.
oft debt collection complaint form Click on this link and you will get a PDF complaint form from the OFT. Print it off, complete it and send it to: Enquiries Centre Office of Fair Trading FREEPOST London EC4B 4AH The more people who do this, the more chance we have of something being done about illegal DCA harassment. | |
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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road,
London,
NW11 7PE
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