hi revolting peasant.... please give us your alternative suggestions then....any ideas would be listened too.... shall we just continue as we are... we are being milked from all angles fromin a whole host of guises..The well paid are even better paid..... when we win one victory they just put in another milking machine.... when I receive a payrise I expect it to give me a better standard of living as I have worked hard to get it. All I see is I owe more and pay more in all host of taxes.... apart from moving to another country or giving up work and milking the system what alternatives do we have... this country is a mess....

hi yes with northern rock this was a secondary loan secured on property... I still need to know if I can claim as company is saying because I paid full and final settlement I have no recourse for claim???? any ideas.. I still believe I what I paid in full and final settlement where unlawful charges....

a few years ago a loan company said I owed them over £1000 after paying all 60 payments on time. it was made up of charges for letters I never requested and a redemption fee evn though the loan had run its course... I challenged at the time but due to a needed remortgage. they asked me to pay £350 in full and final settlement. obviously I now know these charges to be totally unlawful as with all bank charges etc.... can I still make a claim even though I have paid full and final settlement..... I was hoping I could based on the fact that what I agreed to was unlawful???? Any legals out there help much appreciated?????

a few years ago a loan company said I owed them over £1000 after paying all 60 payments on time. it was made up of charges for letters I never requested and a redemption fee evn though the loan had run its course... I challenged at the time but due to a needed remortgage. they asked me to pay £350 in full and final settlement. obviously I now know these charges to be totally unlawful as with all bank charges etc.... can I still make a claim even though I have paid full and final settlement..... I was hoping I could based on the fact that what I agreed to was unlawful???? Any legals out there help much appreciated?????

I think disturbances of whatever form should be regional, then people can support easily and I think it would have greater effect....especially if it was publicised through out the country... if anyone has friends in the media... driving slowly means nothing too people if we have template a4 posters that we put in car windows so people know what we are doing maybe... they will support also.. the masses can change things if they all want for similar things... all people need sometimes is a leader... let us regionalise various protests, come up with when, where and how(legally) and publicise for maximum effect... I am all for marching on government but we need a comprehensive list of proposals we want them too look at immediately or we take action in to our own hands... it seems as has been discussed this is all they listen too... 10,000 marching on no 10 downing street would make people sit up and see things need to change...

fruit loop it is asking for all data they old on you including statements of account , consumer credit agreement. you will find letter in templates on front page...

try and find out who cabot are governed by and give them a call or maybe even call information commissioners office and ask for some advice...

hi there is no justification...... I have claimed back from the 2 credit card companies twice each one of all £20 charges and recently for all £12 charges they have now flicked a switch and my accounts stay under my credit limit anything going over is refused... It just proves they can.... They knew what they where doing and this proves they could have stopped it at any time.... when they realise they are no longer making money out of you this way they stop you going over and use other ways to get your money, higher interest , increase for taking cash etc.... Greed , I will soon be credit free and rid of these snakes forever... pre pay is the way to go... It is difficult at first but much better and less stressful in the long term...

firstly I would sar subject access request all companies and check out charges... you may be eligible for refund and if they do not send details of cca and or true default then you can ask for them to be removed and even claim damages for not following strict guidelines in cca..

Hi you do need to deal with company that made entry and ask then for copy of default that was sent. I would ask who their governing body are and if they have not adhered to cca or data protection act you can claim damages...

I would send SAR requests of straight away making sure they include copies of consumer credit agreements... then you can read through site while you wait for info....

can you post how the 40k is made up ie credit cards, loans etc

try pay it forward to spread happiness.... watch the film it really is a good !!!!

Has anybody else noticed on their telephone bill,,,, that most companies that you may need to call ie to customer service etc. is an 0845 premium line.... The bast**ds have found another way to bleed us out of our hard earned... They now keep us on the phone when we are complaining or telling how crap their service is etc and it is costing us a fortune. I have noticed more and more companies are doing this..... I believ this should be the next campaign.... why should we pay extra to inform companies about there poor service... they pass you from pillar to post and very few will call you back.... this is all because the longer they keep you on the line the more money they will get from the companies providing them with 0845 etc numbers..... This is a massive [problem].... I paid £27 last month alone on a usual zero bill with sky to these numbers... amazing what will they think of next!!!!!!!!!

hi does anyone have particlars of claim so i can complete online... I can not find for having satisfied defaults removed... also has anyone successfully had automated searches removed...

I have tried to have default removed , tried credit reference company and tried company who placed default. I have even tried to have automated searches removed all to no avail. who do I take to court under the data protection act is it cra's or company who placed default.?????????????? I have tried all avenues and court appears the only solution..... These companies are hiding behind information commissioners statement, something needs to be done.... Can we not start a group action or ask a company to start a super complaint.... any ideas maybe even martin lewis could highlight data protection issues....

what news about mobile phones?????

i HAVE HAD EXACTLY THE SAME WHERE ARE THE LEAGAL EAGLES DO THEY HAVE ANY ADVICE..... DO WE PROCEED TO COURT AND WHAT WOULD PARTICULARS SAY...?????? excuse capitals

tried everything to remove settled default does anyone have link or copy of particulars of claim as I am ready to allow court to remove as company wont.....

superb!!!!!!!!!!! I know this is a serious situation but it is nice that we can still laugh at the hypocrisy......

these are checks made by companies on your credit file.... have you applied for credit from these companies????

what is the time limit it was on file for 3 months????

I have recently had virgin media place a default on my credit file ..... they did not issue a default notice or follow any of the guidelines laid out in cca1974. The credit reference agencies put it on there..... do any of the legal eagles believe I have a case of compensation as I can prove stress, time, and money that it has cost me to have it removed.... They removed as soon as I asked for copy of cca and default notice. but in the meantime it has cost me so much... I thought under data protection act that credit reference agencies had to check that the information was correct and legally placed on files... what do you think????????????

request copy of cca and claim back welcome are the worst ever and need to be investigated at every level... get copy of agreement and ask someone on here to check to see if you can claim....

hi its me would you mind if I pm you a copy of my agreement with welcome to see if you think if it is invalid and I can claim. it is over 6 years old. ????