I am still waiting.

I have a right to see this, so please send it. You know that I called you and you denied using my name although your father admitted it!!!!!!!!

Funny how Natasha copies me with the CAb advice and no win no fee solicitor

Natasha I am still waiting for that email. How is it that when last year I told you I had evidence that you had used my company name you said it was a mistake. Were you and Frank in cahoots with this?

Oh but I thought it was £16 per card - see earlier posts

Please send that to me as it is my company. Do it now so I can see it. I understand that a solicitor wrote to you last year warning you not to use my company name. There is only one person authorising you to use that company name and that is myself. I would not be surprised if you have concocted something. The letterhead you drew up using my name was concocted and totally illegal. Just for the record everyone, she had no right to use my name. There are matters still unanswered: National Finance Bianca Klinkmuller

And was this negotiation going to be under the name Finance Angels, my company, Kubic, Frank's company or the name National Finance? Who owns National Finance?

For everyone out there, I have evidence that Natasha was actioning the whole Bills Of Exchnage Act and later CCA route herself. When I moved my clients from her I told her she was not qualified to do this work and it should be done by a solicitor. The banks respond to qualified solicitors better. Tell the truth on these forums or you will be exposed.

The Police have already been informed as have Swansea Trading Standards. You are well known to them, it seems.

So have you traced what happened to the paperwork? Do you know if it was ever started? Wondering if anyone has try to actually trace what happoned. If Frank was actually out to just take the money, why would he have bothered processing the paperwork at all. Perhaps an audit trail should be done with this. After all, surely there were some success cases? Or were there? Can anyone help with this?

TRUTH Natasha, Look this word up in the Oxford Dictionary, the English one, not German. Then reread all your posts on the forum. Truth, please don't make me laugh. And again, no PMs, no threats and no phone calls from Russell.

The most interesting aspect of this company information is the change of directorship to Ms Rees. What sort of a man runs a company into the ground by incurring huge contingent liabilities by way of potential refunds to clients and then manipulates an innocent 20 year old girl to take on the directorship of the company? Shame on him. She is a genuine victim in this too.

Natasha, please stop getting Russell Waters of Metropole Chambers to call me. I have no interest in receiving any threatening calls. Fight your own battles.

Oh Princess, thank you for your warm welcome.

Oh and the 2.15 thing. I am very stressed and have not been able to sleep for months for reasons relating to matters discussed on this forum.

I have not been following the threads but there are matters that have come to light which made me check this out. I will not say on a public forum specifically who is telling lies etc etc because I am genuinely a single mother of two children and worry about what the ramifications could be!!!! However, I can assure you I am honest and ethical and state facts.

Hi there, There are a lot of untruths being posted on this site. Those of you who are posting untruths and twisting matters know who you are and believe me continue to do so and I will expose you. I was taken in naively and completely distance myself from Natasha and Tate-Lloyd. My credit file has been wrecked after being excellent for more than 20 years. If anyone on this forum tries to twist the truth it will not be worth their while and you know who you are. Be honest and own up. Oh and Natasha the single mother thing, please, your son is at least 16 and was working for you alongwith Russell, your lover and protector! I do not wish to post endlessly on this forum but if lies and mistruths are posted, then heaven help you. I am out of patience with this whole sorry mess and quite frankly intolerant of dishonesty, manipulation, twisting facts and to top it all using innocent decent people. I would urge anyone who has concerns to contact the police and trading standards. Going forward, if you are having problems with your debts seek help from Citizens Advice and only use SRA registered law firms who know what they are doing. The CCA unenforceability route is becoming more and more difficult and should not be done through anyone othen than lawyers. If you are looking to move your matters then ensure whichever firm you use are putting it though a lawyer and check them out on the SRA register. This is a slow process and I would be surprised if more than 50% of agreements going forward are unenforceable. Fact. The law relating to this area is changing all the time, due to cases passed in court, and going forward it will become more and more difficult to have a successful outcome. This explains why some law firms are withdrawing from this line of work. If you need to have your matters looked at you will probably be able to have them done on a no win no fee basis. I can put you in touch with someone if you need help. Loans have a lower success rate than the credit cards. Please remember that. Finally, I am only posting on here as I have been taken in completely as have so many people and want to correct what was posted on a previous thread. Two of my credit cards were supposed to be sorted but have now come back to the surface out of the blue. Please please start making payments if you have stopped and contact Citizens Advice if you need to look at nominal payments. If you need to sort out your cards and loans then use a reputable law firm who have the ability to take the lender to court if necessary. I guess in our lives we learn lessons. For me personally, I have used this as a learning experience albeit extremely painful. Anyone I have dealings with now get checked out fully and I trust noone. On the upside, I have lost two and a half stone in weight from the stress of it all. Finally, one more warning, anything posted on here that is untrue will be exposed as such.

I think the comments here are unprofessional aswell as inaccurate. I actually can't be bothered to respond as I am not so sad that I spend my life posting on forums!!!!!! I also like to get on with my life rather than trying to ruin other people's by causing problems with inaccurate accusations. For people who are having problems notfying bodies is of no help to their immediate situation. They should be going to the firm directly and asking for an update on their case. I simply can't be bothered to post anymore. This could have been such a good forum but seeing what has been written, knowing what I know, it had lost all credibility in my eyes. I suspect it is because too many of the posters are probably male!!!!

I am impressed. Is there a way to remove late payment records from a credit file?

Edited out a quote that has been edited Hi there, If you see above a member of their staff has written on the thread. You have nothing to worry about. The system is that about three weeks after the first Affidavit you will have a final one to have sworn. Once this goes off to the lender that should be it. You will get a final document from Tate-Lloyd confirming completion and possibly something from the lender, but sometimes you may have to rely on the completion document. There is a backlog, not helped by moving offices. If you email them now at the address you have for them, it may help. Tell them you have not received the final affidavit. However you will be in the system. Mine was slightly delayed also but came in the end. I think you will find it easier to contact them now the move is complete. It is easy when you read this posts to jump to conclusions and also for other posters to whip up a frenzy among the readers that everything is a [problem] without looking at the full facts. To date all hat has happened to you is that the process is a little delayed. If you do have hassle from creditors there is a letter that Tate-lloyd can provide that you can send them stating relevant statutes that show it is illegal for the lenders to chase you while the debt is in dispute. Sometimes there does seem to be little communication between the lenders and the companies they use to collect the debts but just tell them it is disputed. One lender completely backed off when I told them it was disputed and apologised for calling!!! Another has passed it to their collection company but I have told them it is disputed and to refer back to the original lender. Anyway, you have nothing to worry about. Just email them and say you have not received the final affidavit and can they send it out. The end result is worth it. Divorce plays complete havoc with your finances so I really empathise with you. Yes, Tate-Lloyd will speak to your creditors but it may not stop them chasing you.

Your track record is good. So have you cleared card debts in full.Also would you agree that sometimes when you are stressed and over burdened with it all, sometimes it may feel easier to pay a small fee to get a company to do it for you. I was and know how it can feel during a vulnerable time in your life, say divorce, to want to just hand it to someone else.

Your attitude disgusts me. They do not take a large fee. They do a service and yes they charge for it. It is faster than the CCA route. Please do not display your egotistical tendencies on this thread. Just because there is a company out there who has a good method. You have not understood anything of what I have said. They have helped many people who are desperate and vulnerable. This thread is a sham. There is no honesty in it. You are only interested in perpetuating your preconceived opinion which is not factually based.

THEY DO NOT HAVE A SALES TEAM

Yes I assumed they were sols until I researched it further. No I am not a member of staff. Do know more than most about the firm and therefore it is interesting and worrying to see how quickly a picture can be painted that is inaccurate. They absolutely do not have a sales team and do not take payments so a posting prior to this stating that money was paid to them is an outright lie. They process paperwork, that's it. Reading these posts is like watching a group of 10 year olds in a playground. Judging from one of the more recent posts not only are there IQ issues but emotional intelligence ones aswell with some of the posters. Bottom line - money was not paid directly to ******* so if there is a problem then surely you should go directly to the person you did pay. Actually using the CCA is so slow and tedious and if there is a faster method why not use it. Managing client expectation should be done by the company that sells the service. If the timescales have been delayed it must be frustrating but the end result is worth the wait as it is still faster than the CCA route. The company selling it should give full info as to what is involved and if they feel it is not appropriate for the client they should make a judgement and tell them so. Come on all of you, grow up and see this for what it is: an opportunity to make the debt unenforceable faster than CCA. May be a rough ride but it works. The firm have had some internal issues and are addressing them. For all of you who think you are so clever the same system is used in the US.

****don't have a sales team. What are you talking about?????????? I think you are confused here.