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I need a clear understanding

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Can someone please explain to me the procedure for an assignment notice. What do they do and what do they need


The same with a default.


If they have served a default and later you ask for a copy of your credit agreement, if they cant provide it what happens to the default or assignment.

Can anyone explain in layman terms please:confused:

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pardon my french, but you have so so many threads, all basically asking

Hypothetical questions relating to this and that.


from a browse of your threads, it appears this stems from/to this charging order you have that in effect is faulty as it contains 2 debts [by mistake?] and neither of these have valid agreements?




you'ed do yourself and us a really big favour if we had all the info in one place and we actually knew who these people were.


p'haps getting the threads merged might help?



please don't hit Quote...just type we know what we said earlier..


DCA's view debtors as suckers, marks and mugs


NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..


If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 



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yes dx is does seem a little strange i see what you mean when you have a look at the threads, also i notice whenever someone asks to see agreements, etc the thread goes quiet....hmmmm strange

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Is this in connection to your Lowell thread?


If you try to keep all your posts on the one thread regarding each debt/query, it makes things so much easier to follow and give advice



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Sorry to have given you all the wrong impression. or suspicious minds. Yes I do have numerous threads and perhaps that could be because I was in such a pickle.Nothing strange about my queries as they arose or changed I asked accordingly. No questions were hypothetiacal they happened to me,the two cases I had just won were real, sorry to have wasted you time but as you have requested I do you all a favour I will I wont ask any more. Thank you to those who have helped its just a shame about the last 2 posts and comments. You didnt need to answer. If you found it so suspicious you could just leave it alone to those who want to help.Just to clarify I am also under the thread A big thank you incase you missed it. There I WON DUE TO CIRCUMSTANCES I LISTED,I dont know how to post docs I have tried but failed but HEy Ho there you go I didnt post so therefore there was nothing more to say. Once again apologies and I will leave you to the less difficult queries to answer.

Sorry for the rant but you really could have picked a better way of wording other than to insinuate something was awry other than your imagination.Unless of course YOU are the opposition trying to put people off.

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Hi, noogie.


I'm sure no one was trying to make you feel bad or feel under some sort of suspicion. You do have a number of threads, some which would receive more reply's and help if they were merged together.


I'ts very difficult to give help when you do not have the whole picture.

I have sent you a PM regarding getting some of your threads merged together so users can continue to give you help, whenever they can.


dx100uk and debt4get and both well established members of this Forum and have helped hundreds of people, like yourself. I'm sure they will continue to give you advice, when they can.


Remember, you can ask as many questions you like, thats why this Forum is here.


I hope you continue to post and reply to my PM.





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Sorry but I realy feel as though I have done something wrong I turned to this site for help. I have had so many problems that if i listed them they would read like a fairy story. I have major problems, you could call it what you like bad luck, foolish investment, lousy advice bad debt management company whom I sacked, HAndling it with the help of the forum but honestly after those remarks would not feel comfortable posting or asking any question. Thoise posts have made me feel its not worth the hassle. whats a little more to deal with but thanks for the support. I wont be posting anymore questions.


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noogie, I've been dealing with this stuff head-on for over 3 years now. I get confused. I panic. There's a lot of stuff in my life I can't share. Dealing with DCAs is scary. Share if you can, it helps :) xx

We will not be intimidated.

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sorry for being suspicous noogie, it just seemed you had a lot of threads that were getting nowhere.. it would be much easier for us all to help if they were merged once again i apologise

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if you need help regarding posting documents i would be more than happy to go through the procedure point by point with you, i know it can be difficult and confusing but anything is possible, once again i am sorry for the posting and hope you continue to use the site and get the help you need

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Whether there was any earlier confusion,that was quickly corrected.

Its up to noogie to decide and only he/she can make that choice.

Dealing with issues that are contained within 30+ threads is a hard ask.

Its right that those that immediately concern the issues that are still outstanding should be merged together.

noogie will be best placed to advise and say exactly which those threads are.

Its unfair to expect a team member to have to spend lots of time to reconcile this information,when the benefit and interest lies with noogie.

It also takes away valuable time they could be spending helping others.

Theres nothing complicated.personal,nor vindictive about any of that-its pretty clearly the best way to go.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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the thing that needs to be taken from this thread is CAG is here to help, we & others learn how to deal with things by asking questions & reading threads.


the issue remains, that, CAG got the user through these problems, and thank god CAG was here for the user, BUT, anyone in the same situation could not use this thread to get 'HELP' by reading what happened & how it was resolved.


Please help others - it would be really nice if the story was told, how issues were resolved, what actions were taken, then someone else, like this user, will be able to benefit from the thread.


as it stands it helps no-one.


but as said above, pardon my french, it won't stop anyone from helping you. we don't operate like that on CAG.



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please don't hit Quote...just type we know what we said earlier..


DCA's view debtors as suckers, marks and mugs


NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..


If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 



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Your posts were all over the place and needed to be tidied. This is for your easy reference and to help people help you. You have plenty of support on here, the people posting have been there and i would trust their judgment, their advice, and who knows you may make a few close friends along the road to recovery. Remember, what you go though, others behind you will be able to see how you coped, you then become the teacher.


So lets see you posting again here, and lets get this mess you are in sorted out. :)

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