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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Can't Find What You're Looking For? Here's A Complete A-z Index


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The forum is very confusing for some people and they are constantly asking where they can find letters and guides or for links to documents. Below is a complete A-Z index of the main stickys with their links, which I thought might be useful

 

Please PM me or a Mod if you find any bad links or would like to add any other useful links

 

 

Account closures and extent of claim

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html?garpg=4

Account Closure: A & L Fined by FOS. How to Complain

http://www.consumeractiongroup.co.uk/forum/general/63646-alliance-leicester-fined-fos.html

Account in Dispute Letter

Account_in_Dispute

Advantage Gold & Natwest Charges Explained

http://www.consumeractiongroup.co.uk/forum/natwest-bank/27521-advantage-gold-unarranged-borrowing.html

Allocation questionnaire

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html?garpg=9

Allocation Questionnaire - N149 on-line PDF Version

http://www.hmcourts-service.gov.uk/courtfinder/forms/n149_1105.pdf

Allocation Questionnaires - A guide to completion: N149 & N150

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

Allocation Questionnaire - Draft directions order

http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html

Allocation Questionnaires and Stays - Important Information

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/78216-important-info-regarding-stays.html

Allocation Questionnaire - Dispensing With the AQ

http://www.consumeractiongroup.co.uk/forum/general/80091-your-court-dispensing-allocation.html

Allocation Questionnaire - Dispensing With AQ: Action to Take

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/78873-new-after-28-days.html?highlight=dispensed

Australian Penalty Fees Report

http://www.govanlc.com/clcv20unfairfeesreport.pdf

Bailiffs, types of and their fees

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/33623-types-bailiffs-their-fees.html

Bank Account criteria chart

Bank Accounts

BANK ACTION GROUP FORUM

ABBEY

http://www.consumeractiongroup.co.uk/forum/abbey-bank/

Cahoot

http://www.consumeractiongroup.co.uk/forum/cahoot/

ALLIANCE & LEICESTER

http://www.consumeractiongroup.co.uk/forum/alliance-leicester/

BARCLAYS BANK

http://www.consumeractiongroup.co.uk/forum/barclays-bank/

Barclaycard

http://www.consumeractiongroup.co.uk/forum/barclaycard/

The Woolwich

http://www.consumeractiongroup.co.uk/forum/woolwich/

COOPERATIVE BANK

http://www.consumeractiongroup.co.uk/forum/cooperative-bank/

Smile

http://www.consumeractiongroup.co.uk/forum/smile/

HALIFAX BANK

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/

Intelligent Finance

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/

HSBC BANK

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/

First Direct

http://www.consumeractiongroup.co.uk/forum/first-direct/

HFC (Household)

http://www.consumeractiongroup.co.uk/forum/hfc-household/

LLOYDS BANK

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/

NATWEST BANK

http://www.consumeractiongroup.co.uk/forum/natwest-bank/

THE NATIONWIDE

http://www.consumeractiongroup.co.uk/forum/nationwide/

ROYAL BANK OF SCOTLAND & BANK OF SCOTLAND

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/

YORKSHIRE BANK & CLYDESDALE BANK

http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/

OTHER BANKS/INSTITUTIONS

http://www.consumeractiongroup.co.uk/forum/other-institutions/

Capital One

http://www.consumeractiongroup.co.uk/forum/capital-one/

CitiCards

http://www.consumeractiongroup.co.uk/forum/citicards/

Egg

http://www.consumeractiongroup.co.uk/forum/egg/

MNBA

http://www.consumeractiongroup.co.uk/forum/mbna/

Mortgage Companies

http://www.consumeractiongroup.co.uk/forum/mortgage-companies/

Store Cards

http://www.consumeractiongroup.co.uk/forum/store-cards/

 

BANK CHARGES IN PRINT FORUM

http://www.consumeractiongroup.co.uk/forum/bank-charges-print/

Bank Charges - Guide to Reclaiming

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

Banking Code of Practice

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/14-banking-code-practice.html

Bank Survey

http://www.consumeractiongroup.co.uk/survey.php

BANK TEMPLATES LIBRARY

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

Bankruptcy: protracted realisation unit & bankrupts

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/22342-bankruptcy-protracted-realisation-unit.html

Beginners Guide

http://www.consumeractiongroup.co.uk/forum/general/56957-simple-steps-beginners.html

Benefits ? Is the bank taking your

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/36790-bank-taking-your-benefits.html

Business Claim - FAQ's

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/64975-business-claims-basic-guide.html

Business version letter to your bank -

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/486-sample-letter-your-bank.html

CAG RADIO FORUM

http://www.consumeractiongroup.co.uk/forum/cag-radio/

CAMPAIGN FORUM

http://www.consumeractiongroup.co.uk/forum/campaign/

Can I Claim Beyond 6 Years

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31575-important-things-you-really.html?garpg=6

Case guidance notes - bringing your case to court

http://www.consumeractiongroup.co.uk/forum/guidance-notes/637-case-guidance-notes-bringing.html

Case Guidance notes - Going to court

http://www.consumeractiongroup.co.uk/forum/guidance-notes/641-case-guidance-notes-going.html

Case Guidance notes - making a deal

http://www.consumeractiongroup.co.uk/forum/guidance-notes/675-case-guidance-notes-making.html

Case guidance Notes - making a familiarisation visit

http://www.consumeractiongroup.co.uk/forum/guidance-notes/731-case-guidance-notes-making.html

CASES LIBRARY

http://www.consumeractiongroup.co.uk/forum/cases-library/

Charges- Different Descriptions by the Main Banks

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/92004-charges-can-claimed.html#post867497

Cheap/free calls- if you are spending too much phoning banks

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/38-cheap-free-calls-if.html

Civil Procedure Rules - and forms - a five star site *****

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/169-civil-procedure-rules-forms.html

Comet

http://www.consumeractiongroup.co.uk/forum/comet/

Complaining – A Comprehensive Guide

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/51998-how-complain-comprehensive-guide.html

Complaints About Threads/Posts/Users

http://www.consumeractiongroup.co.uk/forum/general/66282-cag-how-complain.html?highlight=CAG+how+to+Complain

Companies House - search for a company

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/1458-companies-house-search-company.html

Competition Commission. Essential report

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/44049-competition-commission-essential-report.html

Copy Statements

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-user-guide-contacts-list.html?garpg=5

Consumer Credit Act (1974)

http://www.consumeractiongroup.co.uk/forum/statutes-library/27535-consumer-credit-act-1974-a.html

Contact Details For Banks

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html

Contracts (Rights of Third Parties) Act 1999

http://www.consumeractiongroup.co.uk/forum/statutes-library/2647-contracts-rights-third-parties.html

Contractual Interest - Arguements For & Against http://www.consumeractiongroup.co.uk/forum/general/79524-key-arguments-against-compound.html

Costs: Template Application Letter

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/65921-application-costs.html

Costs : Wasted Costs Order

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/85726-wasted-costs-order.html

County Court fees and exemptions

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/63-county-court-fees-exemptions.html

Court Bundle

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

Court Bundle - Examples of Witness Statement, Document list etc

http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-disclosure.html

Court Bundle - Make Sure You Read This

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/82148-got-court-date-important.html#post732094

Court Bundle - Non-Compliance Template If Bank Fails to Submit Bundle

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/58011-sc-m-court-bundle.html#post485266

Court Buddy -Register as a

http://www.consumeractiongroup.co.uk/regbuddy.php

Court Buddy - Find a

http://www.consumeractiongroup.co.uk/buddy.php

Court Date - Advice

http://www.consumeractiongroup.co.uk/forum/abbey-bank/52494-read-now-if-you.html

Court Date? - A Guide to Different Hearings

http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html

Court Guidance Notes

http://www.consumeractiongroup.co.uk/forum/guidance-notes/

Court Fees - Do you have to pay them?

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/2147-court-fees-do-you.html

Courts Service information and links to useful documents

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/13-courts-service-information-links.html

Costs: Application For Costs in Small Claims

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/65921-application-costs.html#post563326

Credit/Store Card Letter Template (thanks Bookworm01036)

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/586-credit-store-card-letter.html

Creditors and DCAs - Letter Templates & Budget Planner

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

Letter A - Ask your creditors to hold action on your account

Letter B - Ask your creditors to accept pro rata offers of payment on your debts

Letter C - Ask your creditors to accept a token payment or no payment on your debts

Letter D - When a creditor refuses your offer of payment

Letter E - When a creditor refuses to freeze interest on your account

Letter F - When a creditor has turned down an offer of payment, interest is still being added, and you want the creditor to take you to court.

Letter G - When creditors have turned down an offer of payment, interest is still being added but you don’t want to go to court

Letter H - When a creditor asks you to agree to a voluntary charge against your home

Letter I - Request for a stay of execution in the High Court

Letter J - Full and final settlement for any debt

Letter K - Ask creditors to write off the debt due to your circumstances

Letter L - Ask your creditors to reconsider if they refuse to write off the debt

Letter M - Dispute your liability for a debt where a creditor has not contacted you for over six years

Letter N - Ask your creditor for a copy of your credit agreement under the Consumer Credit Act 1974

Letter O - Mortgage shortfalls: Breakdown of balance owed

Letter P - Mortgage shortfalls: Please write off the debt

Letter Q - Mortgage shortfalls: Full and final settlement letter

Letter R - Mortgage shortfalls: Lender should not pursue under CML policy

Letter S - Inform your creditor that you are terminating your hire purchase/conditional sale agreement

 

Currys

http://www.consumeractiongroup.co.uk/forum/currys-dixons/

CUTTING AND SOUNDFILES LIBRARY

http://www.consumeractiongroup.co.uk/forum/cuttings-soundfiles-library/

CYNtheSYS - Clydesdale & Yorkshire Costs Breakdown

http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/78681-clydesdale-yorkshire-northern-system.html

Data Controller , Find the address for the

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/26909-find-address-data-controller.html

 

Data Protection Act notice S10 - if you have been defaulted for unlawful penalties

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html

Data Protection Act - Taking a Case to Court

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/7054-data-protection-act-taking.html

Data Protection Act 1998

http://www.consumeractiongroup.co.uk/forum/statutes-library/91-data-protection-act-1998-a.html

Data Protection Act, Subject Access Request letter - List of charges

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-

Data Protection Act, SAR Automatic Letter Generator

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/96518-data-protection-act-subject.html

Data Protection Act - Non-Compliance - Template Letters

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

Data Protection Act Non-Compliance - Particulars of claim

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html

1-data-protection-act.html

DCA’s Address & Contact Details

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/14775-dcas-address-contact-details.html

DCAs and Creditors - Letter Templates & Budget Planner

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

Debt - A Glossary of Terms

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/23991-debt-glossary-terms.html

DEBT ADVICE FORUM: General Debt, Bailiffs, Debt Colectors

http://www.consumeractiongroup.co.uk/forum/#debt-action-group

Defaulted, I have been

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html?garpg=7

Defaults & Data Protection Issues

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/

Defaults – A Removal Method & Template Letters

http://www.consumeractiongroup.co.uk/forum/legalities/24013-defaults-proposed-method-removal.html

Delayed Flight Compensation EU

http://www.consumeractiongroup.co.uk/forum/holiday-companies/17177-delayed-flight-compensation-eu.html

Direct Debit Guarantee

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/194-direct-debit-guarantee.html

Disability Discrimination Acts -1995 and 2005

http://www.consumeractiongroup.co.uk/forum/statutes-library/3708-disability-discrimination-acts-1995-a.html

Dixons

http://www.consumeractiongroup.co.uk/forum/currys-dixons/

Donate to CAG via Credit/Debit Card or Paypal

https://www.paypal.com/cgi-bin/webscr

Equifax - Your credit history and your rights explained

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/493-equifax-your-credit-history.html

Exempt From Court Fees?.

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-user-guide-contacts-list.html?garpg=9

Experian - Credit reference agency

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/496-experian-credit-reference-agency.html

Extended Warranties

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/2639-comments-extended-warranties.html

FAQs

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

Farepak,

http://www.consumeractiongroup.co.uk/forum/farepak/

Fast Track Guide

Fast track and multi track

Financial Ombudsman -Home

Financial Ombudsman Service

Financial Ombudsman -Bank Charges

http://www.financial-ombudsman.org.uk/faq/bankcharges-quickguide.pdf

Financial Ombudsman - Complaint Form

FAQs about our complaint form

Financial Ombudsman

http://www.consumeractiongroup.co.uk/forum/campaign/43287-financial-ombudsman-recommendation.html

Form N244 - application notice

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/41901-form-n244-application-notice.html

FORUM RULES

http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/

Free alternative to Excel

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/2004-free-alternative-excel.html

Frequently Asked Questions

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html

FSA guidelines to credit scoring

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/495-fsa-guidelines-credit-scoring.html

FSA Register

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/3933-fsa-register.html

GARAGE SERVICES FORUM

http://www.consumeractiongroup.co.uk/forum/garage-services/

GENERAL FORUM

http://www.consumeractiongroup.co.uk/forum/general/

GENERAL CONSUMER ISSUES FORUM

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/

GENERAL KNOWLEDGE FORUM

http://www.consumeractiongroup.co.uk/forum/general-knowledge/

Glossary Of Abbreviations Used In The Forums And The Chat Room

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31476-glossary-abbreviations.html

GOGW – Gestures of Goodwill

http://www.consumeractiongroup.co.uk/forum/abbey-bank/32932-have-you-had-gogw.html

GUIDANCE NOTES

http://www.consumeractiongroup.co.uk/forum/guidance-notes/

Guide to Reclaiming Bank Charges

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

Harassment by telephone - response letter

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html

HELPFUL EXTERNAL LINKS LIBRARY

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/

HELPFUL ORGANISATIONS LIBRARY

http://www.consumeractiongroup.co.uk/forum/other-helpful-organisations/

HOLIDAY COMPANIES FORUM

http://www.consumeractiongroup.co.uk/forum/holiday-companies/

IDENTITY THEFT FORUM

http://www.consumeractiongroup.co.uk/forum/identity-theft/

I.T. Support

http://www.consumeractiongroup.co.uk/forum/i-t-support/

Independent Banking Advisory Service

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/264-independent-banking-advisory-service.html

Information Commissioner – Data Protection Act

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/17-information-commissioner-data-protection.html

Information Commissioner - Freedom of Information Act

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/116-information-commissioner-freedom-information.html

INSURANCE/ASSURANCE COMPANIES FORUM

http://www.consumeractiongroup.co.uk/forum/insurance-assurance-companies/

Interest calculation spreadsheets

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Introduction to Bank charges

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/23848-introduction-bank-charges.html

Isle of Man Claims – Template Letters

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/93555-isle-man-template-letters.html

Isle of Man - Statutes

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/44110-statures-isle-man.html

IVA arrangements

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html?garpg=8

Judgement: How to Enforce

http://www.consumeractiongroup.co.uk/forum/general/66182-how-enforce-judgement.html

LANDLORDS/TENANTS FORUM

http://www.consumeractiongroup.co.uk/forum/landlords-tenants/

Law Of Professional-Client Confidentiality: Update

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/142-law-professional-client-confidentiality.html

LEGALITIES FORUM

http://www.consumeractiongroup.co.uk/forum/legalities/

Letter - Preliminary approach for repayment

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

Letter before action - Consumer version - asking for it back

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

Letter - Notification of Settlement to the Court

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/58011-sc-m-court-bundle.html#post485266

Limitation Act 1980

http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html

Liquidated damages and penalties - useful explanation

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/3132-liquidated-damages-penalties-useful.html

LITIGATION FORUM

http://www.consumeractiongroup.co.uk/forum/litigation-section/

Litigation Concluded

http://www.consumeractiongroup.co.uk/forum/litigation/

Litigation in Progress

http://www.consumeractiongroup.co.uk/forum/litigation-progress/

Lloyds v Berwick: View of the Judgement

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/90660-lloyds-victory-view-judgement.html#post827833

McNamara BBC radio -Sept 2004- sound file & transcript

http://www.consumeractiongroup.co.uk/forum/cuttings-soundfiles-library/118-peter-mcnamara-bbc-radio.html

Manx Claims – Template Letters

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/93555-isle-man-template-letters.html

Mediation - Letter of Refusal

http://www.consumeractiongroup.co.uk/forum/general/83044-mediation-bad-idea.html#post742517

Members List

http://www.consumeractiongroup.co.uk/forum/memberlist.html

MERCANTILE COURT FORUM

http://www.consumeractiongroup.co.uk/forum/mercantile-court-cases-stays/

Mercantile Court Guide

http://www.consumeractiongroup.co.uk/forum/mercantile-court-cases-stays/34297-mercantile-court-guide.html

Moderators & Site Helpers: List of

http://www.consumeractiongroup.co.uk/forum/memberlist.php

Money Claim - Getting it right

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

Money Claim On-Line (MCOL) Particulars of Claim

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

Moneyclaim - start your County Court claim online

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/10-moneyclaim-start-your-county.html

Moneyclaim and hardcopy claim compared

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/919-moneyclaim-hardcopy-claim-compared.html

Moneyclaim On-line Guide

Her Majesty's Courts Service

Mortgage Claims - Guide

http://www.consumeractiongroup.co.uk/forum/mortgage-companies/2424-alanfromderby-bristol-west-operation-9.html#post560022

M.P. - Template letter to your

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/114-template-letter-your-member.html

M.P’s - List of (2005)

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/112-members-parliament-2005-a.html

MP’s and Bailiffs

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/30373-my-mp-bailiffs.html

N1 Claims form in .PDF format with form filling

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/844-n1-claims-form-pdf.html

N1 - hard copy version - Particulars of claim

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

N149 on-line PDF Version

http://www.hmcourts-service.gov.uk/courtfinder/forms/n149_1105.pdf

N244 - application notice

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/41901-form-n244-application-notice.html

NHS FORUM

http://www.consumeractiongroup.co.uk/forum/nhs/

Northern Ireland Small Claims Guide and new NI online claims service

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/499-northern-ireland-small-claims.html

Notice of Issue.

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-user-guide-contacts-list.html?garpg=11

On-line Calculator

http://www.consumeractiongroup.co.uk/chargeinterest.php

Office of Fair Trading

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/32-office-fair-trading-unfair.html

Office of Fair Trading - Credit Card Report Summary

http://www.oft.gov.uk/shared_oft/rep...ts/oft842a.pdf

Other Stores

http://www.consumeractiongroup.co.uk/forum/other-stores/

Parachute account?, Do you need a

http://www.consumeractiongroup.co.uk/forum/general/13832-do-you-need-parachute.html

Package Travel, Package Holidays and Package Tours Regulations 1992

http://www.consumeractiongroup.co.uk/forum/holiday-companies/4470-package-travel-package-holidays.html

PARKING / TRAFFIC WARDENS FORUM

http://www.consumeractiongroup.co.uk/forum/parking-traffic-wardens/

Particulars of claim - N1 - hard copy version

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

PCWorld,

http://www.consumeractiongroup.co.uk/forum/pcworld/

Posts: How to make

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts.html

PPI FORUM

http://www.consumeractiongroup.co.uk/forum/ppi/

PPI: Guide to Making a Claim

http://www.consumeractiongroup.co.uk/forum/ppi/61081-ppi-some-notes-claimants.html#post514670

Preliminary Approach Template Letter

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

Private Messages, Asking questions by

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/14608-asking-questions-pm.html

Private Messages, Receiving

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/15742-receiving-personal-messages-pms.html

Record your Internet telephone conversations with the Bank

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/39-record-your-internet-telephone.html

Record your telephone conversations with the bank

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/19-record-your-telephone-conversations.html

Rejection of settlement offer

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

Right of Appropriation Letter - Stop bank from taking your money

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/42170-right-appropriation-stop-bank.html

Rules of Engagement

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31575-important-things-you-really.html?garpg=7

Reputations

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/22998-information-about-reputations-site.html

RETAIL STORES FORUM

http://www.consumeractiongroup.co.uk/forum/retail-stores-forums/

Sale and Supply of Goods Act 1994

http://www.consumeractiongroup.co.uk/forum/statutes-library/2615-sale-supply-goods-act.html

Sale and Supply of Goods to Consumers Regulations 2002

http://www.consumeractiongroup.co.uk/forum/statutes-library/2616-sale-supply-goods-consumers.html

Sale of Goods (Amendment) Act 1995

http://www.consumeractiongroup.co.uk/forum/statutes-library/2614-sale-goods-amendment-act.html

Sale of Goods Act 1979 as amended

http://www.consumeractiongroup.co.uk/forum/statutes-library/42-sale-goods-act-1979-a.html

Scottish Small Claims Procedure - Act of Sederunt 2002

http://www.consumeractiongroup.co.uk/forum/statutes-library/162-scotish-small-claims-procedure.html

SCOTLAND FORUM

http://www.consumeractiongroup.co.uk/forum/scotland/

Scotland, £750 - £1500

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31575-important-things-you-really.html?garpg=3

Scottish Civil Procedure - some tips from Govan Law Centre

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/441-scottish-civil-procedure-some.html

Scottish Court Service

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/161-scottish-court-service.html

Scottish Limitation Period Extended

http://www.consumeractiongroup.co.uk/forum/insurance-assurance-companies/3099-scottish-limitation-period-extended.html

Scottish Procedure

http://www.consumeractiongroup.co.uk/forum/guidance-notes/11123-scottish-procedure.html

Settled Claims List

lit settled.xls

Litigation Section - View and print out litigation spreadsheets here

Settlement letter to the Court

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/58011-sc-m-court-bundle.html#post487345

Site Map

http://www.consumeractiongroup.co.uk/forum/sitemap/

Small Claims Advice from The Citizens Advice Bureau

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/12-small-claims-advice-citizens.html

Spreadsheet of Settled Claims

http://www.consumeractiongroup.co.uk/forum/general/64871-spreadsheet-claims.html

Spreadsheet with interest

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Spreadsheets: Vampiress' Google Spreadsheets

VAMPIRESS'S CHAMBER OF "CONSUMER ACTI...

Spreadsheet : Alternative to Excel

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/2004-free-alternative-excel.html

Spreadsheet: Mindzai's Excel Contractual

http://www.consumeractiongroup.co.uk/forum/general/51736-excel-contractual-interest-spreadsheet.html

STATUTES LIBRARY

http://www.consumeractiongroup.co.uk/forum/statutes-library/

Statute Law Database

Home - Statute Law Database

Statement of Evidence - for Draft Direction Order

http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires-3.html#post482194

Stay, Application for removal of

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/17065-application-removal-stay.html

STEP-BY-STEP INSTRUCTIONS

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

Guide to Reclaiming Bank Charges

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

STUDENTS FORUM

http://www.consumeractiongroup.co.uk/forum/students/

Supply of Goods and Services Act 1982

http://www.consumeractiongroup.co.uk/forum/statutes-library/43-supply-goods-services-act.html

Sale of Goods Act 1979 as amended

http://www.consumeractiongroup.co.uk/forum/statutes-library/43-supply-goods-services-act.html

Tax on Interest

http://www.consumeractiongroup.co.uk/forum/legalities/49641-important-information-regarding-tax.html

TELECOMS- MOBILE, FIXED & BROADBAND FORUM

http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed-broadband/

Theft (Amendment) Act 1996

http://www.consumeractiongroup.co.uk/forum/statutes-library/90-theft-amendment-act-1996-a.html

THIS SITE – QUESTIONS & ANSWERS FORUM

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/

Treasury Select Committee Minutes

http://www.consumeractiongroup.co.uk/forum/general/508-treasury-committee-bank-penalties.html?highlight=Treasury

Ulster banks under investigation

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/336-ulster-banks-under-investigation.html

Unfair Contracts Terms Act 1977

http://www.consumeractiongroup.co.uk/forum/statutes-library/33-unfair-contracts-terms-act.html

Unfair Terms in Consumer Contracts Regs. 1999

http://www.consumeractiongroup.co.uk/forum/statutes-library/40-unfair-terms-consumer-contracts.html

User Guide & Contacts List

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-user-guide-contacts-list.html

UTILITIES: GAS, WATER, ELECTRICITY FORUM

http://www.consumeractiongroup.co.uk/forum/utilities-gas-electricity-water/

VEHICLE RETAILERS AND MANUFACTURERS FORUM

http://www.consumeractiongroup.co.uk/forum/vehicle-retailers-manufacturers/

Wasted Costs Order

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/85726-wasted-costs-order.html

Wiki

Consumer_Action_Group_Wiki

What Can I Claim For?

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/15518-charges-description-statements-please.html

When You Get Your Refund

http://www.consumeractiongroup.co.uk/forum/general/7261-when-you-get-your.html

WORD FROM THE BANKS FORUM

http://www.consumeractiongroup.co.uk/forum/word-banks/

:D Absolutely Amazing, Top Marks Michael, as a Newbie to the CAG site does it get confusing is an understatement, its worse than a learner cab driver in London [:lol::lol:] But thanks to you it has just got easier, and may I say a Donation will be gladly given when the Yorkshire Bank refund what I am Legally Owed.;-)

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The forum is very confusing for some people and they are constantly asking where they can find letters and guides or for links to documents. Below is a complete A-Z index of the main stickys with their links, which I thought might be useful

 

Please PM me or a Mod if you find any bad links or would like to add any other useful links

 

 

Account closures and extent of claim

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html?garpg=4

Account Closure: A & L Fined by FOS. How to Complain

http://www.consumeractiongroup.co.uk/forum/general/63646-alliance-leicester-fined-fos.html

Account in Dispute Letter

Account_in_Dispute

Advantage Gold & Natwest Charges Explained

http://www.consumeractiongroup.co.uk/forum/natwest-bank/27521-advantage-gold-unarranged-borrowing.html

Allocation questionnaire

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html?garpg=9

Allocation Questionnaire - N149 on-line PDF Version

http://www.hmcourts-service.gov.uk/courtfinder/forms/n149_1105.pdf

Allocation Questionnaires - A guide to completion: N149 & N150

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

Allocation Questionnaire - Draft directions order

http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html

Allocation Questionnaires and Stays - Important Information

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/78216-important-info-regarding-stays.html

Allocation Questionnaire - Dispensing With the AQ

http://www.consumeractiongroup.co.uk/forum/general/80091-your-court-dispensing-allocation.html

Allocation Questionnaire - Dispensing With AQ: Action to Take

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/78873-new-after-28-days.html?highlight=dispensed

Australian Penalty Fees Report

http://www.govanlc.com/clcv20unfairfeesreport.pdf

Bailiffs, types of and their fees

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/33623-types-bailiffs-their-fees.html

Bank Account criteria chart

Bank Accounts

BANK ACTION GROUP FORUM

ABBEY

http://www.consumeractiongroup.co.uk/forum/abbey-bank/

Cahoot

http://www.consumeractiongroup.co.uk/forum/cahoot/

ALLIANCE & LEICESTER

http://www.consumeractiongroup.co.uk/forum/alliance-leicester/

BARCLAYS BANK

http://www.consumeractiongroup.co.uk/forum/barclays-bank/

Barclaycard

http://www.consumeractiongroup.co.uk/forum/barclaycard/

The Woolwich

http://www.consumeractiongroup.co.uk/forum/woolwich/

COOPERATIVE BANK

http://www.consumeractiongroup.co.uk/forum/cooperative-bank/

Smile

http://www.consumeractiongroup.co.uk/forum/smile/

HALIFAX BANK

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/

Intelligent Finance

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/

HSBC BANK

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/

First Direct

http://www.consumeractiongroup.co.uk/forum/first-direct/

HFC (Household)

http://www.consumeractiongroup.co.uk/forum/hfc-household/

LLOYDS BANK

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/

NATWEST BANK

http://www.consumeractiongroup.co.uk/forum/natwest-bank/

THE NATIONWIDE

http://www.consumeractiongroup.co.uk/forum/nationwide/

ROYAL BANK OF SCOTLAND & BANK OF SCOTLAND

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/

YORKSHIRE BANK & CLYDESDALE BANK

http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/

OTHER BANKS/INSTITUTIONS

http://www.consumeractiongroup.co.uk/forum/other-institutions/

Capital One

http://www.consumeractiongroup.co.uk/forum/capital-one/

CitiCards

http://www.consumeractiongroup.co.uk/forum/citicards/

Egg

http://www.consumeractiongroup.co.uk/forum/egg/

MNBA

http://www.consumeractiongroup.co.uk/forum/mbna/

Mortgage Companies

http://www.consumeractiongroup.co.uk/forum/mortgage-companies/

Store Cards

http://www.consumeractiongroup.co.uk/forum/store-cards/

 

BANK CHARGES IN PRINT FORUM

http://www.consumeractiongroup.co.uk/forum/bank-charges-print/

Bank Charges - Guide to Reclaiming

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

Banking Code of Practice

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/14-banking-code-practice.html

Bank Survey

http://www.consumeractiongroup.co.uk/survey.php

BANK TEMPLATES LIBRARY

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

Bankruptcy: protracted realisation unit & bankrupts

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/22342-bankruptcy-protracted-realisation-unit.html

Beginners Guide

http://www.consumeractiongroup.co.uk/forum/general/56957-simple-steps-beginners.html

Benefits ? Is the bank taking your

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/36790-bank-taking-your-benefits.html

Business Claim - FAQ's

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/64975-business-claims-basic-guide.html

Business version letter to your bank -

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/486-sample-letter-your-bank.html

CAG RADIO FORUM

http://www.consumeractiongroup.co.uk/forum/cag-radio/

CAMPAIGN FORUM

http://www.consumeractiongroup.co.uk/forum/campaign/

Can I Claim Beyond 6 Years

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31575-important-things-you-really.html?garpg=6

Case guidance notes - bringing your case to court

http://www.consumeractiongroup.co.uk/forum/guidance-notes/637-case-guidance-notes-bringing.html

Case Guidance notes - Going to court

http://www.consumeractiongroup.co.uk/forum/guidance-notes/641-case-guidance-notes-going.html

Case Guidance notes - making a deal

http://www.consumeractiongroup.co.uk/forum/guidance-notes/675-case-guidance-notes-making.html

Case guidance Notes - making a familiarisation visit

http://www.consumeractiongroup.co.uk/forum/guidance-notes/731-case-guidance-notes-making.html

CASES LIBRARY

http://www.consumeractiongroup.co.uk/forum/cases-library/

Charges- Different Descriptions by the Main Banks

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/92004-charges-can-claimed.html#post867497

Cheap/free calls- if you are spending too much phoning banks

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/38-cheap-free-calls-if.html

Civil Procedure Rules - and forms - a five star site *****

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/169-civil-procedure-rules-forms.html

Comet

http://www.consumeractiongroup.co.uk/forum/comet/

Complaining – A Comprehensive Guide

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/51998-how-complain-comprehensive-guide.html

Complaints About Threads/Posts/Users

http://www.consumeractiongroup.co.uk/forum/general/66282-cag-how-complain.html?highlight=CAG+how+to+Complain

Companies House - search for a company

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/1458-companies-house-search-company.html

Competition Commission. Essential report

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/44049-competition-commission-essential-report.html

Copy Statements

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-user-guide-contacts-list.html?garpg=5

Consumer Credit Act (1974)

http://www.consumeractiongroup.co.uk/forum/statutes-library/27535-consumer-credit-act-1974-a.html

Contact Details For Banks

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html

Contracts (Rights of Third Parties) Act 1999

http://www.consumeractiongroup.co.uk/forum/statutes-library/2647-contracts-rights-third-parties.html

Contractual Interest - Arguements For & Against http://www.consumeractiongroup.co.uk/forum/general/79524-key-arguments-against-compound.html

Costs: Template Application Letter

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/65921-application-costs.html

Costs : Wasted Costs Order

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/85726-wasted-costs-order.html

County Court fees and exemptions

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/63-county-court-fees-exemptions.html

Court Bundle

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

Court Bundle - Examples of Witness Statement, Document list etc

http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-disclosure.html

Court Bundle - Make Sure You Read This

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/82148-got-court-date-important.html#post732094

Court Bundle - Non-Compliance Template If Bank Fails to Submit Bundle

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/58011-sc-m-court-bundle.html#post485266

Court Buddy -Register as a

http://www.consumeractiongroup.co.uk/regbuddy.php

Court Buddy - Find a

http://www.consumeractiongroup.co.uk/buddy.php

Court Date - Advice

http://www.consumeractiongroup.co.uk/forum/abbey-bank/52494-read-now-if-you.html

Court Date? - A Guide to Different Hearings

http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html

Court Guidance Notes

http://www.consumeractiongroup.co.uk/forum/guidance-notes/

Court Fees - Do you have to pay them?

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/2147-court-fees-do-you.html

Courts Service information and links to useful documents

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/13-courts-service-information-links.html

Costs: Application For Costs in Small Claims

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/65921-application-costs.html#post563326

Credit/Store Card Letter Template (thanks Bookworm01036)

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/586-credit-store-card-letter.html

Creditors and DCAs - Letter Templates & Budget Planner

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

Letter A - Ask your creditors to hold action on your account

Letter B - Ask your creditors to accept pro rata offers of payment on your debts

Letter C - Ask your creditors to accept a token payment or no payment on your debts

Letter D - When a creditor refuses your offer of payment

Letter E - When a creditor refuses to freeze interest on your account

Letter F - When a creditor has turned down an offer of payment, interest is still being added, and you want the creditor to take you to court.

Letter G - When creditors have turned down an offer of payment, interest is still being added but you don’t want to go to court

Letter H - When a creditor asks you to agree to a voluntary charge against your home

Letter I - Request for a stay of execution in the High Court

Letter J - Full and final settlement for any debt

Letter K - Ask creditors to write off the debt due to your circumstances

Letter L - Ask your creditors to reconsider if they refuse to write off the debt

Letter M - Dispute your liability for a debt where a creditor has not contacted you for over six years

Letter N - Ask your creditor for a copy of your credit agreement under the Consumer Credit Act 1974

Letter O - Mortgage shortfalls: Breakdown of balance owed

Letter P - Mortgage shortfalls: Please write off the debt

Letter Q - Mortgage shortfalls: Full and final settlement letter

Letter R - Mortgage shortfalls: Lender should not pursue under CML policy

Letter S - Inform your creditor that you are terminating your hire purchase/conditional sale agreement

 

Currys

http://www.consumeractiongroup.co.uk/forum/currys-dixons/

CUTTING AND SOUNDFILES LIBRARY

http://www.consumeractiongroup.co.uk/forum/cuttings-soundfiles-library/

CYNtheSYS - Clydesdale & Yorkshire Costs Breakdown

http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/78681-clydesdale-yorkshire-northern-system.html

Data Controller , Find the address for the

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/26909-find-address-data-controller.html

 

Data Protection Act notice S10 - if you have been defaulted for unlawful penalties

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html

Data Protection Act - Taking a Case to Court

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/7054-data-protection-act-taking.html

Data Protection Act 1998

http://www.consumeractiongroup.co.uk/forum/statutes-library/91-data-protection-act-1998-a.html

Data Protection Act, Subject Access Request letter - List of charges

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-

Data Protection Act, SAR Automatic Letter Generator

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/96518-data-protection-act-subject.html

Data Protection Act - Non-Compliance - Template Letters

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

Data Protection Act Non-Compliance - Particulars of claim

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html

1-data-protection-act.html

DCA’s Address & Contact Details

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/14775-dcas-address-contact-details.html

DCAs and Creditors - Letter Templates & Budget Planner

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

Debt - A Glossary of Terms

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/23991-debt-glossary-terms.html

DEBT ADVICE FORUM: General Debt, Bailiffs, Debt Colectors

http://www.consumeractiongroup.co.uk/forum/#debt-action-group

Defaulted, I have been

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html?garpg=7

Defaults & Data Protection Issues

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/

Defaults – A Removal Method & Template Letters

http://www.consumeractiongroup.co.uk/forum/legalities/24013-defaults-proposed-method-removal.html

Delayed Flight Compensation EU

http://www.consumeractiongroup.co.uk/forum/holiday-companies/17177-delayed-flight-compensation-eu.html

Direct Debit Guarantee

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/194-direct-debit-guarantee.html

Disability Discrimination Acts -1995 and 2005

http://www.consumeractiongroup.co.uk/forum/statutes-library/3708-disability-discrimination-acts-1995-a.html

Dixons

http://www.consumeractiongroup.co.uk/forum/currys-dixons/

Donate to CAG via Credit/Debit Card or Paypal

https://www.paypal.com/cgi-bin/webscr

Equifax - Your credit history and your rights explained

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/493-equifax-your-credit-history.html

Exempt From Court Fees?.

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-user-guide-contacts-list.html?garpg=9

Experian - Credit reference agency

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/496-experian-credit-reference-agency.html

Extended Warranties

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/2639-comments-extended-warranties.html

FAQs

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

Farepak,

http://www.consumeractiongroup.co.uk/forum/farepak/

Fast Track Guide

Fast track and multi track

Financial Ombudsman -Home

Financial Ombudsman Service

Financial Ombudsman -Bank Charges

http://www.financial-ombudsman.org.uk/faq/bankcharges-quickguide.pdf

Financial Ombudsman - Complaint Form

FAQs about our complaint form

Financial Ombudsman

http://www.consumeractiongroup.co.uk/forum/campaign/43287-financial-ombudsman-recommendation.html

Form N244 - application notice

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/41901-form-n244-application-notice.html

FORUM RULES

http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/

Free alternative to Excel

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/2004-free-alternative-excel.html

Frequently Asked Questions

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html

FSA guidelines to credit scoring

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/495-fsa-guidelines-credit-scoring.html

FSA Register

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/3933-fsa-register.html

GARAGE SERVICES FORUM

http://www.consumeractiongroup.co.uk/forum/garage-services/

GENERAL FORUM

http://www.consumeractiongroup.co.uk/forum/general/

GENERAL CONSUMER ISSUES FORUM

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/

GENERAL KNOWLEDGE FORUM

http://www.consumeractiongroup.co.uk/forum/general-knowledge/

Glossary Of Abbreviations Used In The Forums And The Chat Room

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31476-glossary-abbreviations.html

GOGW – Gestures of Goodwill

http://www.consumeractiongroup.co.uk/forum/abbey-bank/32932-have-you-had-gogw.html

GUIDANCE NOTES

http://www.consumeractiongroup.co.uk/forum/guidance-notes/

Guide to Reclaiming Bank Charges

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

Harassment by telephone - response letter

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html

HELPFUL EXTERNAL LINKS LIBRARY

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/

HELPFUL ORGANISATIONS LIBRARY

http://www.consumeractiongroup.co.uk/forum/other-helpful-organisations/

HOLIDAY COMPANIES FORUM

http://www.consumeractiongroup.co.uk/forum/holiday-companies/

IDENTITY THEFT FORUM

http://www.consumeractiongroup.co.uk/forum/identity-theft/

I.T. Support

http://www.consumeractiongroup.co.uk/forum/i-t-support/

Independent Banking Advisory Service

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/264-independent-banking-advisory-service.html

Information Commissioner – Data Protection Act

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/17-information-commissioner-data-protection.html

Information Commissioner - Freedom of Information Act

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/116-information-commissioner-freedom-information.html

INSURANCE/ASSURANCE COMPANIES FORUM

http://www.consumeractiongroup.co.uk/forum/insurance-assurance-companies/

Interest calculation spreadsheets

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Introduction to Bank charges

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/23848-introduction-bank-charges.html

Isle of Man Claims – Template Letters

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/93555-isle-man-template-letters.html

Isle of Man - Statutes

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/44110-statures-isle-man.html

IVA arrangements

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html?garpg=8

Judgement: How to Enforce

http://www.consumeractiongroup.co.uk/forum/general/66182-how-enforce-judgement.html

LANDLORDS/TENANTS FORUM

http://www.consumeractiongroup.co.uk/forum/landlords-tenants/

Law Of Professional-Client Confidentiality: Update

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/142-law-professional-client-confidentiality.html

LEGALITIES FORUM

http://www.consumeractiongroup.co.uk/forum/legalities/

Letter - Preliminary approach for repayment

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

Letter before action - Consumer version - asking for it back

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

Letter - Notification of Settlement to the Court

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/58011-sc-m-court-bundle.html#post485266

Limitation Act 1980

http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html

Liquidated damages and penalties - useful explanation

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/3132-liquidated-damages-penalties-useful.html

LITIGATION FORUM

http://www.consumeractiongroup.co.uk/forum/litigation-section/

Litigation Concluded

http://www.consumeractiongroup.co.uk/forum/litigation/

Litigation in Progress

http://www.consumeractiongroup.co.uk/forum/litigation-progress/

Lloyds v Berwick: View of the Judgement

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/90660-lloyds-victory-view-judgement.html#post827833

McNamara BBC radio -Sept 2004- sound file & transcript

http://www.consumeractiongroup.co.uk/forum/cuttings-soundfiles-library/118-peter-mcnamara-bbc-radio.html

Manx Claims – Template Letters

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/93555-isle-man-template-letters.html

Mediation - Letter of Refusal

http://www.consumeractiongroup.co.uk/forum/general/83044-mediation-bad-idea.html#post742517

Members List

http://www.consumeractiongroup.co.uk/forum/memberlist.html

MERCANTILE COURT FORUM

http://www.consumeractiongroup.co.uk/forum/mercantile-court-cases-stays/

Mercantile Court Guide

http://www.consumeractiongroup.co.uk/forum/mercantile-court-cases-stays/34297-mercantile-court-guide.html

Moderators & Site Helpers: List of

http://www.consumeractiongroup.co.uk/forum/memberlist.php

Money Claim - Getting it right

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

Money Claim On-Line (MCOL) Particulars of Claim

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

Moneyclaim - start your County Court claim online

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/10-moneyclaim-start-your-county.html

Moneyclaim and hardcopy claim compared

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/919-moneyclaim-hardcopy-claim-compared.html

Moneyclaim On-line Guide

Her Majesty's Courts Service

Mortgage Claims - Guide

http://www.consumeractiongroup.co.uk/forum/mortgage-companies/2424-alanfromderby-bristol-west-operation-9.html#post560022

M.P. - Template letter to your

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/114-template-letter-your-member.html

M.P’s - List of (2005)

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/112-members-parliament-2005-a.html

MP’s and Bailiffs

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/30373-my-mp-bailiffs.html

N1 Claims form in .PDF format with form filling

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/844-n1-claims-form-pdf.html

N1 - hard copy version - Particulars of claim

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

N149 on-line PDF Version

http://www.hmcourts-service.gov.uk/courtfinder/forms/n149_1105.pdf

N244 - application notice

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/41901-form-n244-application-notice.html

NHS FORUM

http://www.consumeractiongroup.co.uk/forum/nhs/

Northern Ireland Small Claims Guide and new NI online claims service

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/499-northern-ireland-small-claims.html

Notice of Issue.

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-user-guide-contacts-list.html?garpg=11

On-line Calculator

http://www.consumeractiongroup.co.uk/chargeinterest.php

Office of Fair Trading

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/32-office-fair-trading-unfair.html

Office of Fair Trading - Credit Card Report Summary

http://www.oft.gov.uk/shared_oft/rep...ts/oft842a.pdf

Other Stores

http://www.consumeractiongroup.co.uk/forum/other-stores/

Parachute account?, Do you need a

http://www.consumeractiongroup.co.uk/forum/general/13832-do-you-need-parachute.html

Package Travel, Package Holidays and Package Tours Regulations 1992

http://www.consumeractiongroup.co.uk/forum/holiday-companies/4470-package-travel-package-holidays.html

PARKING / TRAFFIC WARDENS FORUM

http://www.consumeractiongroup.co.uk/forum/parking-traffic-wardens/

Particulars of claim - N1 - hard copy version

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

PCWorld,

http://www.consumeractiongroup.co.uk/forum/pcworld/

Posts: How to make

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts.html

PPI FORUM

http://www.consumeractiongroup.co.uk/forum/ppi/

PPI: Guide to Making a Claim

http://www.consumeractiongroup.co.uk/forum/ppi/61081-ppi-some-notes-claimants.html#post514670

Preliminary Approach Template Letter

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

Private Messages, Asking questions by

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/14608-asking-questions-pm.html

Private Messages, Receiving

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/15742-receiving-personal-messages-pms.html

Record your Internet telephone conversations with the Bank

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/39-record-your-internet-telephone.html

Record your telephone conversations with the bank

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/19-record-your-telephone-conversations.html

Rejection of settlement offer

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

Right of Appropriation Letter - Stop bank from taking your money

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/42170-right-appropriation-stop-bank.html

Rules of Engagement

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31575-important-things-you-really.html?garpg=7

Reputations

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/22998-information-about-reputations-site.html

RETAIL STORES FORUM

http://www.consumeractiongroup.co.uk/forum/retail-stores-forums/

Sale and Supply of Goods Act 1994

http://www.consumeractiongroup.co.uk/forum/statutes-library/2615-sale-supply-goods-act.html

Sale and Supply of Goods to Consumers Regulations 2002

http://www.consumeractiongroup.co.uk/forum/statutes-library/2616-sale-supply-goods-consumers.html

Sale of Goods (Amendment) Act 1995

http://www.consumeractiongroup.co.uk/forum/statutes-library/2614-sale-goods-amendment-act.html

Sale of Goods Act 1979 as amended

http://www.consumeractiongroup.co.uk/forum/statutes-library/42-sale-goods-act-1979-a.html

Scottish Small Claims Procedure - Act of Sederunt 2002

http://www.consumeractiongroup.co.uk/forum/statutes-library/162-scotish-small-claims-procedure.html

SCOTLAND FORUM

http://www.consumeractiongroup.co.uk/forum/scotland/

Scotland, £750 - £1500

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31575-important-things-you-really.html?garpg=3

Scottish Civil Procedure - some tips from Govan Law Centre

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/441-scottish-civil-procedure-some.html

Scottish Court Service

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/161-scottish-court-service.html

Scottish Limitation Period Extended

http://www.consumeractiongroup.co.uk/forum/insurance-assurance-companies/3099-scottish-limitation-period-extended.html

Scottish Procedure

http://www.consumeractiongroup.co.uk/forum/guidance-notes/11123-scottish-procedure.html

Settled Claims List

lit settled.xls

Litigation Section - View and print out litigation spreadsheets here

Settlement letter to the Court

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/58011-sc-m-court-bundle.html#post487345

Site Map

http://www.consumeractiongroup.co.uk/forum/sitemap/

Small Claims Advice from The Citizens Advice Bureau

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/12-small-claims-advice-citizens.html

Spreadsheet of Settled Claims

http://www.consumeractiongroup.co.uk/forum/general/64871-spreadsheet-claims.html

Spreadsheet with interest

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Spreadsheets: Vampiress' Google Spreadsheets

VAMPIRESS'S CHAMBER OF "CONSUMER ACTI...

Spreadsheet : Alternative to Excel

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/2004-free-alternative-excel.html

Spreadsheet: Mindzai's Excel Contractual

http://www.consumeractiongroup.co.uk/forum/general/51736-excel-contractual-interest-spreadsheet.html

STATUTES LIBRARY

http://www.consumeractiongroup.co.uk/forum/statutes-library/

Statute Law Database

Home - Statute Law Database

Statement of Evidence - for Draft Direction Order

http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires-3.html#post482194

Stay, Application for removal of

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/17065-application-removal-stay.html

STEP-BY-STEP INSTRUCTIONS

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

Guide to Reclaiming Bank Charges

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

STUDENTS FORUM

http://www.consumeractiongroup.co.uk/forum/students/

Supply of Goods and Services Act 1982

http://www.consumeractiongroup.co.uk/forum/statutes-library/43-supply-goods-services-act.html

Sale of Goods Act 1979 as amended

http://www.consumeractiongroup.co.uk/forum/statutes-library/43-supply-goods-services-act.html

Tax on Interest

http://www.consumeractiongroup.co.uk/forum/legalities/49641-important-information-regarding-tax.html

TELECOMS- MOBILE, FIXED & BROADBAND FORUM

http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed-broadband/

Theft (Amendment) Act 1996

http://www.consumeractiongroup.co.uk/forum/statutes-library/90-theft-amendment-act-1996-a.html

THIS SITE – QUESTIONS & ANSWERS FORUM

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/

Treasury Select Committee Minutes

http://www.consumeractiongroup.co.uk/forum/general/508-treasury-committee-bank-penalties.html?highlight=Treasury

Ulster banks under investigation

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/336-ulster-banks-under-investigation.html

Unfair Contracts Terms Act 1977

http://www.consumeractiongroup.co.uk/forum/statutes-library/33-unfair-contracts-terms-act.html

Unfair Terms in Consumer Contracts Regs. 1999

http://www.consumeractiongroup.co.uk/forum/statutes-library/40-unfair-terms-consumer-contracts.html

User Guide & Contacts List

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-user-guide-contacts-list.html

UTILITIES: GAS, WATER, ELECTRICITY FORUM

http://www.consumeractiongroup.co.uk/forum/utilities-gas-electricity-water/

VEHICLE RETAILERS AND MANUFACTURERS FORUM

http://www.consumeractiongroup.co.uk/forum/vehicle-retailers-manufacturers/

Wasted Costs Order

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/85726-wasted-costs-order.html

Wiki

Consumer_Action_Group_Wiki

What Can I Claim For?

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/15518-charges-description-statements-please.html

When You Get Your Refund

http://www.consumeractiongroup.co.uk/forum/general/7261-when-you-get-your.html

WORD FROM THE BANKS FORUM

http://www.consumeractiongroup.co.uk/forum/word-banks/

:confused::( Well obviously I can find my way better , but I think I have a lot to learn as yet, please bear with me afterall the only way to learn is to STUDY and what an enjoyment that is , my compliments to a very informative and welcoming site.:cool::lol:

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Junki munki

 

Glad you find the A-Z guide useful...... only please don't use the quote button to post a reply each time, it makes this thread much longer and difficult for others to read.

Use the post reply or quick reply buttons instead.

 

Thanks

 

PM

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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  • 2 months later...
  • 9 months later...
  • 2 months later...

Hello CAG, I have looked through your A-Z section "Can't find what you're looking for?" for a template letter I can write to creditors stating that they remove defaults and my name off my credit file. Could you please either tell where to find such letters or send me a template.

Many regards,

:mad:BodsReds:confused:

:-xBodsReds:-x
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The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hello Caro,

 

Thank you for getting back to me so promptly, maybe I need to be a lot more clear. I have received my credit report from Experian and I have a few unsettled debts which have exceeded six years which amount to about £1000 from various creditors. What I require is a standard template letter to send to these creditor to have the entry removed from my credit report. Does CAG have such a letter.

 

Many regards -

 

:mad: BodsReds:confused:

:-xBodsReds:-x
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Not that I'm aware of. Can I suggest you search in the Default forum to see if others have posted something that may be of use, and start a thread there on your own specific problems

. http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...
  • 1 year later...
  • 1 month later...

I am still new to the site & feeling my way around, I will need a lot of help & advice Re:Lloyds & claimimg, especially working out the interest. I have been on the forum & asked a few but no thorough reply as yet. I think your A-Z, & your "How not to claim" are brilliant advice, I can't see why people are cribbing. Well Done.

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because no one has posted on it for the last 5255 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

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Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

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