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    • Hi. On the spreadsheet, the interest payments only stopped in July 2019, I have not paid anything to them since 2011. CT is claiming that all deadlines to pursue a claim with the Ombudsman has long passed including the original claim for PPI to pay for the loan when off work due to ill health. The National Debt Line said I should ensure that I can provide the 'exceptional circumstances' why any deadlines should be ignored and they stressed would be key to the Ombudsman accepting the claim as valid. This backs up what CT are saying, no point in looking at your cliam further as the deadlines have passed - NOT with 'exceptional circumstances' it hasn't. My claim is for:  1. My mental health condition at the time the claim was made (they can not say they weren't aware of that as they refunded £1700 insurance fee). 2. When a PPI claim was made, they never really dealt with it but updated the credit file from 2013 to 2019 as 'settled' therefore I would be right in presuming the dept was in fact settled, they wrote on my credit file it was. 3. They then updated the file in 2019 with missed payments and added a long term debt of £24k to the file, which they refused to change in 2019, but did change in December 2021, all of which I have screenshots of. This caused me issues with credit as the score had flatlined for over two years until they did change it. 4. CT was deploying a deliberate attempt to 'buy time' to take me past the past six years deadline. After a long chat with Ombudsman, they have said my reasons for 'exceptional circumstances' are realistic and should be made as part of my claim. 5. My claim is for all of the 24k to be statute-barred/outstanding debt denied. 6. I am also seeking compensation for none payment of PPI and making it a condition of the loan acceptance and compensation for unlawful credit file entry causing considerable problems with seeking even simple basic credit such as mobile contracts. The claim is now with the Ombudsman and as long as I can overcome any issue with time limits, I will be fine and looking forward to nailing them to the rafters. I have received an email from the Ombudsman saying the claim has been received.
    • Excellent! It is what I was hoping a well phrased (and not too pushy) letter might result in. In the end, they want to encourage ticketed-travel.   By showing you never intended to evade your fare, and by accepting that you had made a mistake : opened the door to them thinking “we don’t need to punish this person, likely they won’t let it happen again”   Result. Well done, bet you are relieved!
    • Discover this fantastic opportunity to take part in the Parent Journeys Programme with YMCA on the 20th of January.View the full article
    • Discover this fantastic opportunity to take part in the Parent Journeys Programme with YMCA on the 18th of January.View the full article
    • Hi BankFodder,   Thank you for your reply. I feel the same way. As said in my first post above, it stated on Company House's website  :   "....deemed to have continued in existence as if it had not been dissolved or struck off the register...."   Which means the restored company is absolutely valid and can continue as normal, as if it had not been struck off.    Value wise, it is a lot. 200K+ The porject was in two parts, most of the work was done when he initially started in 2016 when he was well. The first order was in 2017. He received his commission payment. This second requirement took place in 2019  after he had his second or third heart attack. And thats the reason why he was completely off the grid and unable to submit papers to CH.   He did invest a substantial amount of his own money over the years whilst the project had been ongoing. But now the manufacturer is refusing to pay. This is why my friend has been absolutely worried sick.  He could easily lose his house over it.    He is thinking that his only course of action is to serve a writ on the manufacturer and as a result he will have to meet the various costs required to proceed with this action. And that is why he asked my opinion.    Like you, I was not sure as his company had been struck off. Thats why I reached out to CAG.    My advice to him has been to try his hardest to try and impress on the manufacturer to pay without having to go to court. Of course, they are not taking his calls so he is having to email and write letters. He's now tearing his hair out and all I can do at the moment is to try and help him stay calm.     I do not know what others in CAG think about this problem.   All the best Wrecked.
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Thanks for the advice/Shopacheck


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Hey all my name is as the username suggests.


I just wanted to say hello to all you people who are having problems and have had problems with blood sucking leeches who want to remove your hard earned money from your pockets.

They use the most underhanded ways to get the money and they have no moral character.


Currently I am going down the road with shopacheck who has served notice upon me. Since recieving the letter I have served them notice also.


I can do everything they can do and whats more I have more rights than they will ever have.


Just thought I would introduce myself.



I have been researching this legal lawful stuff for a couple of years, the going is slow but well worth the hard work put into learning it.


I have managed to get DCA's off my back and bank charges refunded which was a major surprise to me to know that there exists a way to flumucks these corporate leeches in more ways than 10.


So peace to yall and take care in all your dealings.


As a side point, if we where told what the score was with the state of affairs within this country no one would get loans. The country is in major bankruptcy, sold its soul to the IMF (interantional monetary fund, rothschildes) and has no monetary value left within its borders.


Since being sold into slavery since the use of the birth certificate we are kept in the dark as to what our rights are.

Power to the people not to the person(s).



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Hello michaelzac, welcome to the CAG.


Enjoy your visit, but take some time to look around the forum and understand where everything is.



It can seem confusing at first but you will start to find your way round and to understand what a helpful community we are.


You haven't received any replies to your post yet. Try posting your query again in a relevant sub-foum. You will get the help and support you need there.

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Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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moved here.

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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