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    • Couple of errors on your N244...not sure why you couldn't save a copy...move your mouse to the side and right click ...save as.   Dont complete anything in 6..my 30 mins was an error...as its requested without a hearing..   9a should be left blank (it states other than the claimant /defendant).   Staple the Draft order to the n244 along with the 2 letters of consent.   On the draft order remove the Amended particulars ..that was just for your benefit when you get to the next stage and the court asks you to resubmit amended particulars.Also there is an error in the amended particulars...should state " The leading Claimant " not The principle claimant.     No you cant represent anyone....but you will be in attendance as the main claimant...if necessary and if directed by the court your daughter can submit a statement in support of the claim in her absence.We can cross that bridge if and when necessary.   Assuming the application is successful the court will give an order for you to resubmit an amended particulars of claim...nothing else changes..the date of claim the value etc....only the claimants names and the particulars.   lastly dont forget to make payment ...the fee is £100...and also be aware that in making this application you may become liable for the defendants costs if your claim is not successful.   Andy
    • Well thats what I thought they'd done?   As you can see it was way over my head! Im sure the judge said he was a Barrister though? I'm totally confused. They didn't give me a name.   Out of interest, if they now allocate me a 3.5 hr slot, and a 2nd court date, have my court costs just shot through the roof? 😲
    • Although I broadly agree with that sentiment Jase, the 'conservative MP's have just defined themselves by almost all blocking a relatively small sum to feed hungry UK children Approx 125 million it cost to feed hungry children over 6 weeks I saw   So as a rough rule of thumb If we take 4 weeks of lockdown and 4 weeks of holidays until 'spring, you are talking about them refusing * less than sercos EXTRA profits from covid, * and FAR less than the cost of the failed collect 250 spit samples a day exercise   Despicable doesn't even start to describe them.      
    • oh god no dont enter nor start pointless letter tennis ever.   dx  
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Yes there is a way to claim these broker fees back (most of the fee any way).


The consumer credit act 1974 section 155, this applies if –

  • The broker has made an introduction to a source of credit


  • no agreement has resulted within six months.

You may not take up the credit because the interest is too high or the repayments are more than you can afford etc. anyway if this is the case you should write to the company and request your fee back less the £5 which the section says they are able to retain as a nominal charge. if you know you will not be using the introduction they have provided you do not need to wait until the six months have elapsed before writing to them.


If however they have not provided any introduction then they have not performed their part of the contract.Court action is often of putting so the alternative is to use the Financial Ombudsman Service who are very user friendly and cost nothing for the consumer.

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[problem]! The Loan Supermarket/The Lending Group [problem]!





I had £99.99 taken from my bank account.

If anybody has applied for a loan through this company. You have probably had from £39.99 - £349.99 taken out of your bank account for a one off 'administration fee'.


All the people they 'rob' off are asked to give their bank details - long digit on your card number and your 3 digit security code. You are told this is for 'security' OR 'validation/verification'


After giving these details - which most people do not question to give out - which is understanding - as the websites of the company look legitimate and very professional. You are then told there is an administration fee ranging from £49.99 to £149.99 which they take off you as soon as you put the phone down. I do not know how they work out how much your 'application' will cost to process but the most they can get the better. (Commision based) - even if you change your mind after giving details of your account or you want to have a think about the loan you have applied for. They will STILL take your money.


They send you NO paperwork

If your loan has been declined you are told you are entitled to your money back. And you have an every right as it is your money.

No matter how many letters you send or phone calls you make you will never get your money back. The people on the phones are not there to help you but to simply make money out of you and others.


This is theift and it needs to be stopped. Thousands of people are getting robbed and 'fobbed off' when they try and do something about it.


STOP wasting your time and money on phone calls and letters and go to BBC's watchdog, consumer direct, police.




Another option may be to approach your bank. They may be able to do an IMDEMNITY CLAIM and refund your money, then their retail fraud team would investigate and claim the money back from the company.


Their is ALOT of negative feedback on the internet about theloansupermarket many people have contacted watchdog, and from what I've read there has been interest from the BBC to investigate what is going on here. If enough people do this maybe it will push them to take action...

http://www.bbc.co.uk/watchdog/ ....just click on the 'Got a Story' link to tell them what has happened to you.


The Office of Fair Trading also has a tool to uncover scams...https://secure.consumerdirect.gov .uk.....follow this link and tell them your story.


the more people that do this SOMETHING WILL BE DONE.



FOR ADDRESSES AND NUMBERS GO TO | Carter & Carter Financial |




Edited by alex809
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I contacted them to get figures on a loan. They told me that they wuld need to take a credit or debit card number to verify my identity. This I done.


After I had given them all of the details they required to proces the loan they told me that they would be back on contact with me once they have received details of the lenders that could help me.


Before the end of the call they told me that they had great news and they have found a lender - not giving their details to me - and that they would send out the information relating to the loan to my home address, if I was happy with the figures and wanted to go ahead with the loan then there is an "set up" free of £49.99. I had decided there and then that I was not paying for somone to give me some company name.


To date I have not received anything from them however they went ahead and had taken the £49.99 from my bank account leaving me with only £1.01 to live on for the next 7 days.


I am a stuborn fart and once I have got me heels dug in do not move.

I will not give up before I get the money back.


I will report them the the CCC, my banks fraud department, the police and the FSA.

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Well guys as i had a few mins to spare iv emailed the Star, mirror,mail,sun, FT, telagraph, news of world, liverpool echo, manchester evening news, stockport reporter, and a few more papers ...never know one may take it up...

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I also have had dealings with this company. They took £99.99 from my account without my knowledge or consent. I have filed complaints with


Financial Ombudsman

Trading Standards

Commissions Office

My Bank

They need to be stopped. THIEVES

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Yep, they got me for £50 also, how are they getting away with blatant fraud!?

I too will not let this one go..

Look at the momentum this thread is gaining , the number of 'scammed' consumers is growing daily.

Edited by shivas
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My bank say they will have the money back in my account within 5-7 days. I hope so. Has anybody else tried their bank to see if they can help. Apparently if no PIN number is entered with the transaction you are pretty much covered. These people NEED STOPPED NOW

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I have to confess to being in two minds about this group.


I only managed to re-contact them because I Googled a number I had on my phone and found this Forum.


My position is that I (and I can't remember how) found their number two weeks ago and contacted them with the intent of finding a cheap loan to consolidate my debts and reduce my monthly outgoings.


Like many of the Posters on this forum I was surprised when I was asked for my bank card details but the lady I was talking to seemed very helpful and said about the fee. I don't mind the whole fee thing and its small change in terms of the loan that I assumed I was getting so I said 'ok'.


Alarm bells rang louder however when I asked with who had they found me a loan from. The lady said that she would'nt be able to tell me that because of the 'Data Protection Act'. What?! I didn't question her howver even though I knew this was wrong.


So my current position is that I applied for the loan on the 14th and was told to expect to receive something in the post in 5 -10 working days. These have'nt quite yet expired but I am getting worried because of what I have discovered about how lousey this company is.


Contacting them is a nightmare, they have answered once and I got a young sounding receptionist who was able to confirm my request but could'nt confirm anything else ie when was the agreemetn to sign dispatched or for what amount etc. I was put through to someone else she thought might be able to help and then the phone just rang and rang. I tried again today but the phone just rings and then I can hear someone just hanging up - very alarming!


I'm still prepared to give them the benefit of the doubt but I'm worried I have just being billed and nothing will happen. Surely they have succesfully loaned to people, but these people we don't hear from because they are happy customers and have no need for a forum like this? I am astonished though that a Financial UK based company is run so badly - are'nt its mangers seriously worried about their future because of it?


My concerns at this stage are;


1. Nothing arrives at all and I am billed anyway


2. Something arrives but not for the right amount


3. I've wasted valuable time on the whole thing


I might STILL get my loan and hopefully will hear no more from the Lending Group or whatever they are called. However I really did need a loan some time ago and I've a horrible feeling that I have lost both precious time and ironically money on deciding to secure a loan via this dodgy company.


Any thoughts anyone? (no hysterics please re Police etc, just rational advice will do:))

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Stop wasting your time ringing them

DO NOT give them the time of day or the benefit of the doubt.

You will not get a refund, and there is no paperwork to be issued.

only 3 out 300 people actually get a loan with these people. Your best off searching a lender yourself it would be cheaper and will save you stress.

The Lending Group/TLG Loans/Carter And Carter/The Loan supermarket

are all the same thing. They are not there to help but to rob you.

The staff that work there get commission off your money, they are greedy and thoughtless.

if anyone wants their money back go to your bank or ring them and ask for an indemnity claim and they will put it in your account straight away.

Just tell them what has happend.

Hope this helps...

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I contacted them again today and I actually got though!


Basically I acted as if I knew none of the negative feedback on them and just asked about the whereabouts of my loan.


I was assured that it is 7-14 working days before I would hear anything. I applied on the 14th soI am only just in the timespan they said. I will obviously keep an eye on the time.


I managed to speak with two men and took a name 'Ben'. I realise this is far from watertight but they assured me my loan is on course and my paperwork would arrive within this time and if not to call back.


In the meantime I guess I just have to wait. I'm nervous about taking another loan in case the same thing happens again or I am refused which damages my credit rating.


Alex, how do you know only 3 out of 300 receive a loan? Where did you get this info from?

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hi to all

lets get this right thay are robbers ,thay will just take your money and will not give you a loan nor send you any papper work , i have been on the phone to them twice day givening them s--t i speck to ben , lee , dave and now a new one shaz ,thay are all con men and will not give you your money back.

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if i was you i would not wait because you will not receive anything back off them

im just trying to help people as i have had this done to me.

i havent heard off them and i applied with them last year.

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Ok guys..


I have been trying to get in touch with these frauds and Dave,Lee are basically who are getting new clients and Shaz is a girl who is supoosidly in admin and paul is a guy who is calming ppl down.


Now here is the technical bit..i dont know if this is FSA registered or not?


But anyway...please whenever you call them record their conversation...i have managed to get them all on record except for Dave..but have the evidence to support when and for how long i have been making calls.


i got in touch with BBC and will be sending this stuff to OFT..please tell me if anyone is already in this process...im happy to join in...



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Ok. I received a letter today from Financial Ombudsman. This company's address is not the one on websites but this one:

The Loan Group Limited

Ambrose House

Broombank Road



S41 9QJ


that maybe there H/O do you have a number for that address

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I have found their address its


Carter & Carter Financial, Mansion House, 1st Floor, Wellington Road South, Stockport SK1 3UA


that company reg doesnt match up with them atall.


Also they are not on the FSA register, I have checked up on it.


I dnt know about the head office though.

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I have the reg as 05473340. These people are all over the place. The more research I do on them the more addresses and names I find for the exact same company. Just found another address from the Business Database

Carter Place

Gisborne Close


S43 3JT

They are like leeches. They are everywhere. yuck

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