...today, I was depressed as I was being chased for a debt I was paying at a rate I couldn't afford to the Leeds Losers.

In desperation, I googled Lowells and up popped the Consumer Action Group.

I had never heard of the CAG before so had a quick peep.

Suffice to say, since that time, my depression has gone, my knowledge has improved (still a long way to go) and I have a little more money in my pocket.

With the help of loads of people who give their time freely, I have seen off the Lowlifes, had a remaining debt of £750 written off and surprisingly, the default has vanished too??

I am also happily fighting Cabot as they no longer scare me, even with their silly letters. (they have my phone number but don't ring me )

I can't say thankyou to everyone who has helped me over this past year as this post would be huge but you know who you are and you need to know how much I appreciate all your help. Without sites like this, I am sure there would be many more tragic stories in the press about someone taking their lives because of the tactics used by debt collectors.

To mark my one year anniversary, I am off to the east coast to visit my family so if I don't reply, that's why.

LONG LIVE CAG

Best regards to all.

(The not so) Silverfox

PS. I try to donate as often as I can (but not enough) PLEASE PLEASE donate :)

...today, I was depressed as I was being chased for a debt I was paying at a rate I couldn't afford to the Leeds Losers.

 

In desperation, I googled Lowells and up popped the Consumer Action Group.

I had never heard of the CAG before so had a quick peep.

 

Suffice to say, since that time, my depression has gone, my knowledge has improved (still a long way to go) and I have a little more money in my pocket.

 

With the help of loads of people who give their time freely, I have seen off the Lowlifes, had a remaining debt of £750 written off and surprisingly, the default has vanished too??

 

I am also happily fighting Cabot as they no longer scare me, even with their silly letters. (they have my phone number but don't ring me )

 

I can't say thankyou to everyone who has helped me over this past year as this post would be huge but you know who you are and you need to know how much I appreciate all your help. Without sites like this, I am sure there would be many more tragic stories in the press about someone taking their lives because of the tactics used by debt collectors.

 

To mark my one year anniversary, I am off to the east coast to visit my family so if I don't reply, that's why.

 

LONG LIVE CAG

 

Best regards to all.

 

(The not so) Silverfox

 

 

PS. I try to donate as often as I can (but not enough) PLEASE PLEASE donate :)

not to mention all the help that YOU have given back since that time.

am coming up to my 1st anniversary:)and you were the first that I spoke to.and yes it was the dreaded lowlifes.

have a good break with your family.

SAM

Luv it.

Well done you.

This is what CAG is all about. There are a lot of us that are so thankful to this site and our lives are all the better for finding it.

I hope you have a great time with your family

I've been here over 2 years, found CAG when working for Barclay's and I was reading up on the bank charges news (and realized that the banks were in the wrong!). I don't post much on the debt forums as the only debts I had, I sent a CCA request and they went away, so I'm not that knowledgeable on the subject. I know a bit about IT and telecoms as I've worked for a few companies in this field so I stick to them forums and bear garden mostly. Most of you probably know me as "the guy that does the youtube vid's to fuzzybobbles phone calls"

The difference CAG has brought to my life.... Well, to begin with I'm debt free. I feel great especially 1 debt (the biggest I had, £5000 ish!) that I had PPI on that the lender said was invalid so I was paying more money to pay off the whole loan at that time. If they'd been fair to me I'd probably still be paying that now My other half had depression, made worse as income generally didn't cover essential bills never mind having fun! we've got that all covered now!

Last month a Fixed Rate bond that I had matured so I got a couple of £1000's. This was going to be used to clear my debts, but instead I got a few niceties, I'm going to pass my driving test (no matter how many times I need to go in for it) and I'm going to get Microsoft certified as a desktop support technician. I also sent a little donation to CAG for their help with the CCA requests, and once bank charges start moving again (preferably in my direction) I'll make another donation. Once bank charges are sorted, my credit file have no nasties on (as my old bank still shows in the negative!), and I can seriously think about a mortgage!

2 years ago, I was £5,000 in debt, Not very happy with life (as a father of 3 girls, my partner and daughters were the only good things in my life, and I felt I'd failed them) and money was due out before it was due in with no end in sight!

Thanks to CAG (and a little hard work by me ) everything has turned around! I'm going to get a much better paid job, I have a little bit of money put aside and the future looks much brighter!

So, Thank you CAG, Cagers and everyone who has donated! Without you guys this site would not exist, and without this site I cannot imagine where I'd be now if life's ever decreasing circles had continued!

Thanks for that Silverfox, you’ve given me a lot of hope by what you’ve said. I was in the same place as you a year ago and sadly still there, but slowly getting round to dealing with things now, owe c.£50k and no way to pay so will battle on. Really nice to know that there is light at the end of the tunnel. Well done for getting yourself out of trouble.

Ditto what you say, thanks to all CAGgers who’ve helped me too.

Hope you had a good time away with your family.

For me it was just over a year ago, it started in July with a SD from Ist Crappit....no warning letter, just a lovely SD threatening me with bancruptcy and all that would entail.

I was so scared, If I am honest suicide was considered....for about five seconds and then the thought of my daughter picking up the pieces shook me back into sanity. I realised I would have to deal with it and googled SD's, Ist Credit and Connaught (as they were supposedly the debt collectors who gave Ist Credit the go ahead to send the SD) and up came CAG my saviours!

I suspect I was like every cagger reading the posts, wide eyed at the information held there and then tentatively making my first post and hoping someone can help......then the posts come flooding with sound advice, encouragement and for me the most important thing was that no one judged me for being in debt!

I dont donate as much as I would like, things are a little tight at the moment but will definately donate again in the new year.

Great stuff, Silverfox (and all the other posters)

Can I just say you do a superb job, helping people on this site and guiding them in the right direction.

Your post made me smile

AW Thanks for all the replies.

Now I'm not really here. this is a figment of your imagination as I said earlier I was going over to see my family.

This is how commited I am (or should that be committed to an asylum) as after a 3+ hour drive from the east mids to suffolk I nick her PC to see what is going on in CAGland

I would have got here earlier if it wasn't for all the idiots on the road (except me of course:D)

the only thing is that now i'm here, my daughter will get me doing stuff. i'm already booked to repair a wardrobe then shopping and i'm sure more to come.

going to see my son in norwich soon.

take it easy guys

It's posts like that, that make it all worth while.

Great thread Silverfox. I'm really chuffed for everyone on hear who got on their feet again, and put something back on here by helping others. Well done to you all

Thirded

Nice one Foxy !!

Lex

Nice one Silverfox... tonight I got home to a lovely letter from London & Scottish who repossessed me (its the third anniversary this month so I now know it is a 'routine' letter which will be ignored). There isn't much else anyone can do except make me bankrupt. I won't loose my job if I am bankrupt so it isn't a major problem.

I don't get phoned up now by anyone who can get through, (re-routed several phone nos to other DCAS - love to hear the conversations!). I am almost debt free in other ways and challenge every single alleged debt which comes in, surprising how many have given up completely now!

I doubt I would be this far along if it hadn't been for finding CAG after a ****** bailiff tried to fleece me. Googled and ended up here.

Love to see CAG working like this and hope more people find the site and the other sites that help people in need .

These people are ruining ordinary peoples lives just to make money and then balance their books yes I was there too myself and love helping people out of that awful black hole .

a year ago i could find my out but now been stuck here ever since

coming up for 2 years and only came on to successfully claim back back charges

if anyone finds a door let me know

and foxy, you give sound advice and as you can see frm them above its appreciated

ida x

Hi silverfox, excellent thread to start. My anniversary was in June. I still have many battles to fight but am no longer scared to answer the phone (I actually enjoy it). Friends on CAG have given me the confidence to face all the things that had been hidden for years. My nemesis was 1stCredit, to whom I owe a debt of gratitude, even if they have just reared their ugly heads again.

One year ago I was facing legal demands for a £13,000+ mortgage shortfall on an unnecessarily painful repossession 11yrs before.

...Thank you to all those that offered their assistance before the inevitable happened.

no thanks are necessary MTM was your invention the rogue lol

Morning all,

After a lovely weekend with my son and daughter and a horrid drive home I came here and saw all the wonderful messages. I got this warm feeling (and no, I didn't wet myself again:smile:)

Since I arrived here, I checked out other forums and saw just how many peeps got flamed for trying to get themselves out of debt.

This does not happen here (much) which is one of the many reasons I stick around. The comradeship and general friendliness of peeps here is inspiring to me. I have the privilege to call a few of you my friend.

Thankyou for all you kind words. Roll on 16th October 2010

Knowledge is power

CAG has changed my life, I love helping people now who were going through what I went through and I have met lots of nice people on here. When I was in the depths of despair with my debts and charges and did not know what to do I felt I had no-one to talk to. I thought I was the only one going through this, if I mentioned my troubles to people then I usually got a superior sneer and more or less told it was my fault. I cannot belive how many others were in the same boat. I will never be rich but at least I am comfortable now and I will never let any creditor or bank bully me again. I still go cold if I go home to a pile of post even though everything is up to date now. Thank you CAG

Silverfox.

No need to preamble as you have, "been there, Done it, and got the proverbial............

But, I am just starting out to remedy my previous misdemeaners which,

I dont mind doing if they were to play fair .

And despite all the "BULL" about....

"if you do get into trouble, tell your lender straight away".

Yes tell them.. their smiles get bigger by the day. charges for this charges for that, administration costs for this that and the other Late this and That not to mention the collection "costs" even if you manage to pay them.

Well its time to play by the same RULES that they do. You know the ones they DON'T want you to know about.

When I first asked on this site for help you were one of the first to answer me.Just to have someone encourage you or point you in the RIGHT direction gets you to be able to think strait.

Then you know you are doing something positive and ARE on the right track. This MUST apply to so many also in my situation ..

So thank You so far...

sir fussalot

yes we fell for that one as well, your lender is the LAST person to tell

Hey fox - Just wanted to say Yay huni & thankyooooo!! You have just passed ur 2nd anniversary and are now a member of the site team! & still offering support to peeps like l'il ole me. Take care, keep smiling & chat soon xxx

Belated happy 2nd anniversary silverfox. 8-)