Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #21

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    Received the attached - do you think they are just fishing?? its all "we may" and "we can" but not actually saying anything?

    surely if they had 100% proof of this debt they would just enforce?

    Any advise is greatly appreciated

    Attached Files Attached Files

  2. #22

    Default Re: UKAR Chasing Unsecured NRock Loan - Advice needed

    it will be SB in a year so you have to make a decision on what to do in the meanwhile.
    Ignoring it completely will buy a certain amount of time as will entering into pointless communications with them as long as you never admit that by doing so you accept that you are liable for the debt.

    Another problem is not knowing what your ex has said and done in the interim.

    Forging your sig unfortunately only creates a cause for action against him by you as you have accpeted and benefitted from this in the meanwhile (it may not seem like it but that is that).

    I think it will be another month before they write again so ignore this and start digging up what you have as far as paperwork, esp on any PPIicon or charges they appplied to the account.

    They are chasing you as they know you have assest so what about your ex?
    where is he at the moment as they can chase you jointly or separately on this.

    as he has a dodgy past it is unlikely he will volunteer to pay the lot off but knowing if they are reaching out to both of you would be helpful for you

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  3. #23

    Default Re: UKAR Chasing Unsecured NRock Loan - Advice needed

    take legal action to get it deducted from your salary?
    what without a CCJ?
    twaddle there im afraid as is all the letter.

    govt owned says at the bottom too!

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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