Jos, thanks for that, do I link to that now?

Hello I have been watching the site for a bit now, WHOOOOA you rock. Basic question (sorry if it has been asked before) Can I claim against the above cowboys for 2 erc`s both for secured loans under 25k just keep the good work going, things have got to change, i have read peoples stories on this site that have left me feeling sick. This site is what the internet was for, people helping people for the greater good. KEEP IT GOING:p