Jump to content

Showing results for tags 'load'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Helpful Organisations
    • The Bear Garden – for off-topic chat
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV/Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - Please register
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
    • Non-Retail subforums
    • Retail Subforums
  • Work, Social and Community
    • Work, Social and Community Subforums:
  • Debt problems - including homes/ mortgages, PayDay Loans
    • Debt subforums:
    • PayDay loan and other Short Term Loans subforum:
  • Motoring
    • Motoring subforums
  • Legal Forums
    • Legal Issues subforums


  • News from the National Consumer Service
  • News from the Web


  • A Say in the Life of .....
  • Debt Diaries
  • Shopping & Money Saving Tips
  • chilleddrivingtuition
  • Homegirlxx


  • The Youth Academy
    • The Youth Consumer Service
  • Miscellaneous

Find results in...

Find results that contain...

Date Created

  • Start


Last Updated

  • Start


Filter by number of...


  • Start



About Me


Found 5 results

  1. Hi. I have just registered, although I have been on this forum many times over the years as a guest. I am in a bad place, i feel embarrassed. After my marriage broke down this year my ridiculous reaction to the stress and sorrow was to start gambling online and I am now in a position where I owe £30k. I have taken, all in the space of 5 months, 4 x £7.5k loans and have lost it all on a crazy impulsive online gambling spree. I am absolutely disgusted at myself about this behaviour so please do not act on your urge to tell me how wrong this was. I know more than you can imagine. I have never, i repeat EVER gambled in the past and I am a 52 year old man. I am not and have never been a gambler which is why this is even more difficult to make sense of. I had zero debt just 12 months ago. My question in this instance is this: Given the way this debt was taken out, ie in a very short period, spent on gambling (with the ridiculous hope of making losses back each time) and the fact that I exaggerated my income by about 25% in my loan applications, can this lead to a Fraud or criminal prosecution? I didnt lie about anything else, and I stated my other loans at each new application. Can the banks or the official receiver (i will be going BR ) find this behaviour so wrong that I could be charged? I understand that I will most definitely be having a BRU. The use of the funds is clearly documented in bank statements. ie I didnt take loans out and cash them out or purchase things, or give to friends or go on holiday. It was all used on gambling over a very short period. Please only reply if you are aware of English Law regarding fraud (if this is in fact fraud) and under which section of the Fraud Act? I really need some solid knowledgeable advice as I am extremely stressed. I have been reading about S1, S2 of the Fraud Act and searching online but can not really find something clear to suggest whether this is something that, a) can be prosecuted, and b) is in fact prosecuted. Some posts in other forums state that they have never heard of anybody being prosecuted for lying or exxageratin on a consumer loan application but I find that hard to believe? Why would the CPS have a Fraud Act and why would they not pursue it if a bank requested them to? If anybody has been prosecuted please share your experience or some points, or PM me if you are not comfortable to post online. If this is in the wrong forum please move to the appropriate one. Thank you
  2. I have an old student loan from 1993. In 2001 I fell into arrears and received a ccj. I have ben paying this off at a pound a month with their agreement. I have now had a letter saying that the debt has been sold and that interest and account charges are being applied. Can they do this? How do I fight it as they want @300 a year in interest and charges so the debt is spiralling out of control. There is no way I can pay it as i am on benefits. The original debt was less than a thousand.
  3. According to the CEO 10 mins ,I was booked for 12 mins . so where on the sign does it give that information I asked him , "You have to look it up on the Camden web site ":jaw: words fail me !!! Needless to say it will be returned with supporting work sheets and photos , as "No offence committed " BTW it was a van being loaded with tools and ladders from the shop just in the pic
  4. Just wanna say what a load of crap these credit files are!! I have 2 Mobile phone contracts, a store card, 3 credit cards, 2 bank accounts and a next catalogue, all of which have an excellent history (never miss a payment etc) I have lost count of the amount of times my cards have been maxed out and paid back! A payment was made on a credit card that I no longer use and I was unaware (£15) so i missed the payment for 2 months. £15 became £62 and I paid it in full, but now I can't get a loan for a car over a £15 website renewal when my credit cards have thousands paid on and off them every month (I use them as my company credit cards buy stock etc) Does anyone else think this is ridiculous?
  5. Insurers caught snooping on credit files to make poor drivers pay more for car cover than rich ones Britain’s biggest insurers are conducting secret credit checks on drivers and using data to pinpoint claims hotspots in a bid to hike premiums. These tactics supposedly give the firms more detailed information about what kind of driver you are. But increasingly they threaten to push up prices to even more eye-watering levels. The tricks are revealed as fears grow that perfectly valid insurance claims are being kicked out simply based on a gut feeling that drivers are lying about claims. Your credit record contains all your personal information including your history of repaying credit cards, debts and even mobile phone bills. The theory is that drivers with low credit scores are more likely to struggle to cover the cost of repairing a car — and so would be more likely to claim. ‘This is appalling. Insurers are saying poorer people are riskier,’ says Marc Gander, founder of campaign organisation Consumer Action Group. ‘I doubt there are any proper statistics to prove this. It is just insurers looking for another way of grabbing more of our cash.’ It is understood that trade body the British Insurance Brokers’ Association (BIBA) is so concerned about the trend it has launched an investigation into how insurers are using these personal details. Graeme Trudgill, head of corporate affairs at BIBA, says: ‘Already if you are unemployed your insurance premiums will be higher because the insurer will believe statistically you may struggle to maintain your car. Doing a credit check would be taking it to the next level.’ Britain’s biggest insurer, Aviva, confirmed it ran credit checks on customers to help decide what kind of premium to offer them. Read more: http://www.thisismoney.co.uk/money/cars/article-2222085/Why-poor-pay-rich-car-cover.html#ixzz2BqcdzLQX
  • Create New...