Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds


You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds



BankFodder BankFodder


BankFodder BankFodder


Monument are back for more

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3994 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.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi I haven't posted on the site for about 12 months as everything went quiet and I thought that was it. How Wrong. Brief history, over 2 years ago with the help of CAG is sent initial letter for list of charges to monument which I eventually got then sent letter requesting copy of original agreement. They eventually sent me a copy of a reply card and insisted this was the agreement, they passed the account on to numerous DCA's and I have lost count of how many letters I sent. They eventually said the had requested my agreement from their archives and would sent me a copy asap. A couple of weeks age almost TWO YEARS later they sent me another copy of the same reply card they sent me over 2 years ago and now it has all started again, DCA letters, telephone calls. I know I am right, this account is about 10 years old and initially even before I made a claim for charges thay agreed to knock off a couple of thousand pounds. They don't have an agreement. Don't think I can face the same cycle again of all the letters, responding to them, getting passed on to one DCA after another. They are a law to themselves and seem to just ignore everything you say to them Oh and the icing on the cake, I have been defaulted:-x just ranting but any info advice input would be great I received so much help last time and believe me ranting on CAG really really helps lighten the load. THANX:D

Mrs H

Share this post

Link to post
Share on other sites

If they haven't got an agreement with at least your signature and the prescribed terms (for a credit card these are credit imit, repayment terms and interest rate) then they cannot enforce the agreement nor collect thet debt. Write and tell them so. You could offer them a full and final setlement of somewhere between 5 and 20p in the pound (Start with 5)



Using CAG Toolbar will generate much needed income - Download Here


Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008


Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.


Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.


Share this post

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...