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Another good find and better than the C4 programme in as much that it goes much further in condeming illegal practices.

"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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after 6 years the Caggers should all have SB debts


the idiot DCA's can rant and rave and issue threatograms all they want......in fact,in NI I could have 20 CCJ's if they want to go down that route.I already have 1,and the enforcement officer basically told me that as I am on benefits etc etc,I can basically tell them to bog off,as they can't get their mitts on my money


CCJ away-they'll be irrelevant in 6 years,and in fact they're irrelevant now,as we've abandoned the culture of credit


if we can't afford it,we don't buy it until we have the cash to do so



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The whole country is built around people getting credit - if that stops coz too many people have adverse credit files, then the system collapses again :)

So really speaking, the government & the establishment have to "look after" the poor if you get my jist :cool:

Its really the lower classes who control/rule the upper classes :p

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