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Where do you think the sols get the funding for in the meantime to work on your cases??

 

 

[EDIT]

 

Post reported :mad:

Edited by Rooster-UK
Moderated quote.

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Post reported :mad:

 

Hi Bb

 

I prefer Lals post to stay on here, reminds us all why Cag is such a valuable forum.

 

DCA's/CMC's, most are bred in the same Gene pool :evil:

 

Gez

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Being unemployed is NOT a crime!!!

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Being unemployed is NOT a crime!!!

 

I know it, you know it........ my eldest 2 lads know it, pity poor old Lal doesnt

 

Keep him on here, its a reminder for all of us of how the inbreds at DCA's and CMC's view the rest of the world....... through sh*t stained glasses me thinks :p

 

Gez

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Some firms have sufficeint funding to issue their own claims, others have to rely on 3rd party funding. The interest charged on any fund drawdown is rcoverable, I think. Either way the 295 charged by RM to audit accounts IS NOT used to fund claims.

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just had a letter from ratio Money saying that the lender has not complied with its legal duty etc etc and that means that the credit agreement is deemed to be incorrect and Ratio can now referthe case to a [panel of solicitors

Any other Caggers at this stage.................?

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Hi Hoppy,

 

I have had a call from Ratio today,regards my loan.....but they charge a fortune.

Have you paid a up front fee? how much?

Have you heard of any success stories? ask them for proof...

 

KillLill

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Ratio Money charge you £295 for the first loan/credit card that you want them to audit to see whether its unenforcable/unfair. £195 for the second and £95 for the third and subsequent ones. Be warned tho this is no quick process and takes an eternity. Also the customer service is still poor and you rarely get any feedback unless you do the chasing.

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Ther do not seem to be I signed up last November and it is a long process. I would suggest that you read the whole of this thread to get a good picture.

 

There are people who are not happy but I have 13 agreements being dealt with and it does seem to keep the claimants/creditors at bay a bit once they know you are with a CMC. Also, once you have a solicitor in place you could stop any sort of payment if you are happy you have a good case.

 

Show them that the agreements have been checked by a solicitor and that you have a conditional fee agreement signed up.

I have 13 defaults which must also make any creditor wonder whether it is worth pursuing given I have limited income. Most of them have not checked my Experian details for sometime and are not up to date on this. I pay a monthly fee to Experian for alerts on who is searching.

 

You should spend time gaining an education from this site and make your decision after that. It may pay you to rely on the excellent advice given here.

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I have just written and am about to post my third letter of complaint to Ratio Money for the attention of their MD. I rang them a short while ago got an inadequate update and am generally fed up to the back teeth that my claim has and is taking so long. To be told by the solicitor that it could be a further 6 - 9 months was the straw that has broken the camels back for me.

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Kevin Webster ( corrie street) is one of the main men for ratio,with him working all they ours acting,where does he get the time to get honest people like us our money back....

 

i believe Cartel client Review are worse.....

 

KL :mad:

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BF,

If you have no CCA's to any of your requests and no information back of any description I cant see a creditor taking you to court as they will have nothing to put before a judge. Anyway if that did happen and you got court papers just post it on here. You know that would have to provide you with the same evidence that they are to put before the judge. If they have an agreement they think is enforceable scan it and get it on here for the experienced caggers to have a look at. That would be exactly what ratio money would do except they would charge you for it. Anything that they can do you can do, you do not have to be legally trained to defend yourself.

I would not worry if I was in your position as receiving no documentation has got to be a sure sign they have not got the CCA which puts you in a really good position I think

Exasp

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EDIT

 

Very nice comment. BUT if you are going to make comments like this please have the goodness to say what you are on about.

 

dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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Please remove all sheep from this site,we are all in this together,and i dont see why a "waste of skin "should get their comments posted.

 

You know who i mean, someone who cant count to 5.....

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I am glad that common sense has prevailed and that nasty rude comments are now moderated and the perpetrators are removed. This site is extremely useful for all those confronted with real issues and dilemmas on the way forward in some cases some "individuals" may not like what they see but feedback on this site works and "people" do take notice.

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DPick,

What do you mean? it does state what I am on about does it not

Exasp

 

Hi not your post I was commenting on, my post has been edited by CAG to remove the original post I was commenting on, and I believe that the poster has been removed.

 

All the best dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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DPick,

What do you mean? it does state what I am on about does it not

Exasp

 

The thread's been moderated and some posts removed so some replies may seem a little disjointed as they've replaced the moderated ones. ;)

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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The thread's been moderated and some posts removed so some replies may seem a little disjointed as they've replaced the moderated ones. ;)

 

Ok Cerb/Dpick

I understand now but in my email it showed Dpick's reply to my posting.

Thanks

Exasp

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it showed Dpick's reply to my posting

You'll get an email whenever anyone posts to the thread, but if a post has been moderated in time you won't get a copy of it.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Has anyone had any dealings or know anything about a firm called `Guardian GB`? These are another one of those firms that will audit credit agreements to see if they are unenforcable/unfair etc. Id be interested to hear anyone`s view especially as they claim to offer a quicker process time than some of the other countless firms out there.

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