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    • So here's a thought:   The average age of someone dying of Covid-19 is 82.4.   The average life expectancy is less, at 81.4.   The rest of the population is making huge sacrifices to save people who, on average, would have been dead anyway.   I wonder what the total of life-years saved by all the restrictions we've had on us since the pandemic started is? Probably not many.
    • Hi Thankyou for your response    yes it is ! I sent of a SAR and within the comms Log Lloyds advised PRA  no CCA or paperwork available  .  hence account unenforceable.   The default is listed as PRA so does that mean it’s active ?  I can’t see a default for LLoyds on there.  I will follow your advice Thankyou 
    • i will guess this is:   a debt buyer dca cannot register a default notice    if the original creditor registered a default notice then get a copy of that  staple it to a letter to PRA and demand the account is removed from your credit file forthwith or a serious complaint will be registered with the ICO and financial compensation will be sought.   give them 14 days 
    • Freight industry body warns the lack of an agreement on tariffs could make things more expensive. View the full article
    • Good Evening,    Please may I ask for some information re default markers on Credit Report ?    I had a CC with a Bank default around Jan 2014. Nothing was registered on my Credit Report The debt was later sold on a few times. Eventually to PRA in 2017 where it is unenforceable.   On my Clearscore report that I have recently downloaded it says “ In default PRA GRoup 5th April 2017”. when I click onto this it shows no markings on any month from 2014. so my question is can PRA register the default from 2017. I’m unsure if it drops off from The bank in 2014 or after PRA registered in 2017.    thanks for any advice you can give   
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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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About CFA's? - No Win No Fee

Please note that this topic has not had any new posts for the last 4154 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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I wish to bring an action in the High Court against a certain party via the use of a solicitor who will act on a CFA, ideally reinforced by an 'after the event insurance'.

Where do I find such a solicitor?


It appears that the initial mistake by the Nationwide B. S. in selling me the purported contradictory invalid policies has been compounded by collusion with the Norwich Union Insurance Co.


Furthermore, the blatant attempt to damage my credit and the defamation of my character with Paypal and the various Credit Agencies has done me irreparable harm as any chance of gainful employment as a qualified Personal License Holder will have been reduced to zero, so I have wasted the majority of the last two years looking for work in this discipline.


The withdrawal of my only two cards; both with Nationwide; has created severe difficulties.

I have not received any amendment regarding my life policy, whether the policy is in force or not, certainly the continuing financial demands show no reduction from the original premium, only additives from the debt collection agencies.

This continuing saga; though I have attempted to resolve the matter through mediation by a national newspaper; has put my marriage under oppressive strain.

Edited by Clavis
Title change: About CFA's (No win, no fee)
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Am I correct in saying that they 'sold' you an insurance policy that was useless ? and due to this it has severely affected your credit files and the ability to gain employment in a specific role ?


You'll find some useful information in here - http://www.consumeractiongroup.co.uk/forum/general-debt-issues/111211-defaults-background-removal-methods.html

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.


DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation






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Before the Event (BTE) or After the Event (ATE) legal expenses insurance.



Research shows low awareness of before the event legal expenses insurance

23 October 2007


Research published today by Ministry of Justice reveals that less than one in four consumers have heard of either Before the Event (BTE) or After the Event (ATE) legal expenses insurance.

Legal Expenses Insurance (LEI) provides the policyholder with the cost for legal fees in the event that they become involved in litigation. It is a relatively inexpensive mechanism for resolving a range of problems and legal disputes.

The research report produced by FWD reveals that there is a considerable lack of information about the product both in the public domain in general and at the point of sale. Awareness among lower socio-economic groups (C2DE) is particularly low even though this group appears to be more likely to need to use a BTE product.

The report also reveals that despite low awareness overall market penetration of the product has increased to 59% of the population (this compares with 50% penetration revealed by Mintel in their report published in December 2006). The research estimates that 28m adults currently own the product, most as an add on to another insurance policy.

Welcoming the findings, Justice Minister Bridget Prentice said:

The report gives us an insight into the current state of the BTE insurance market. Whilst more and more people now have the product, they don't appear to know how to use it. This is particularly true of the more vulnerable members of society. BTE insurance is important because it provides people with a means of getting advice and assistance when trying to resolve disputes. I would encourage insurance industry bodies and consumer groups to try and deal with this problem

Other findings show:

  • Legal Expenses Insurance cover is often fragmented or even duplicated. Due to lack of awareness many consumers are not aware that they have BTE insurance
  • The market is likely to expand over the coming years increasing the number of consumers in this position
  • The report recommends a number of steps that insurance industry bodies and consumer's groups- such as the Financial Services Authority (FSA) and Association of British Insurers (ABI)- should take forward. These include:

  • Agreeing ways of promoting LEI and providing more information about the product both in general terms and at the point of purchase (including communicating its benefits more widely).
  • Developing ways to encourage policy holders to read their policy documents

  • Changing the name of Legal Expenses Insurance to something consumers are more likely to understand. One suggested alternative is 'legal protection'

  • The report also recommends that employers provide LEI to employees
  • Additionally, Housing Associations could provide LEI for tenants

Officials at the Ministry of Justice have been discussing these recommendations with the FSA, ABI, Housing Corporation and employers groups to examine how these recommendations could be taken forward.


Notes to Editors


1. 'The Market for BTE Legal Expenses Insurance: A research report for the Ministry of Justice', by Oona McDonald, Ian Winters and Mike Harmer

2. Until now the only other independent survey of the Legal Expenses Insurance market was published by Mintel in December 2006.

3. BTE insurance products have been available in the UK since 1974. The research report shows that 93% of all households have home buildings insurance in place; 78% have home contents Insurance;

4. The structure of the BTE market in the UK is complex. It is sold in a variety of ways usually as an add on to motor or household insurance. It is also sometimes sold attached to travel insurance.

5. The vast majority of BTE products are sold through intermediaries consisting of national brokers, broker chains and regional brokers.

6. For more information contact Zoë Campbell, Ministry of Justice Press Office, 020 7210 8695

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Legal expenses insurance report



Legal expenses insurance report

Date: 23 October 2007


This report explores the current state of the legal expenses insurance market and future trends with a view to promoting 'before the event' (BTE) legal expenses insurance so that more people have access to legal advice and assistance.




The research for the report was done by Dr Oonagh McDonald, Ian Winters and Mike Harmer, of Fwd thinking communications.



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Thanks 42man,

Have yet to find your PM button.

Tried to change heading on CFA's to add (No win, no fee) as I realise that the abreviation CFA is not generally known.


Twenty plus years since I did any serious work on the law. Naturally 'all change'. The two second posts are included as it appears that litigation insurance is widespread, generally hidden away in the small print of the most mundane insurance covers, i.e. household, life policies, etc.

You might want to post copies of these elsewhere, I would suggest that all your 'customers' need to double check existing paperwork.

Apologises if this is all old hat, thanks again, Clavis.

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