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    • Hi All, before I start I know there are similar threads of the topic I am raising, and each, of course, has its own unique scenario, which may benefit others. My case is as follows: 1. I saw a gumtree ad on the 16th of Oct 2020 for a Mercedes E220 CDI, priced at 7,500 2. I called the seller and said I will come over on the 17th of Oct 2020 to view. 3. On the 17th of Oct 2020 I went to his place where he is working and viewed the car. He is working for a major car rental company. I checked the car and of course asked the normal things to ask e.g. any insurance write-offs, loans, accidents, etc. The seller said the car is clean etc.no loan, he had a loan but all is paid off etc. and he has the papers. 4. I negotiated the car price to 6,800 because the rims were showing some signs of damage, the rear light had a small burst, cosmetics, etc. I checked all but did not see any sign of damage to the car (it's a black car, the car was a bit dirty, and the sun was already setting in) 5. We agreed on 6,800 and decided to purchase the car. We went into his office, where I paid cash, and also got a Car Sales Invoice with all details of the seller, and a V5C green slip 6. I purchased car insurance and drove off. I asked him about Road Tax and he said Road tax is paid so I have not to worry, just need car insurance. 7. On 18th of Oct 2020 I cleaned the car interior because it was really dirty inside - it took me a few hours so decided to clean the exterior the next day 8. On the 19th of Oct 2020 I went to clean the exterior and after the car was clean I noticed some parts were resprayed. I became a bit suspicious; so on the 19th of Oct 2020 in the eve, I went on the internet and run an HPI check. The outcome from the HPI did not show any accidents, insurance write-off but an outstanding Loan with Moneybarn. At this point, I thought maybe the database is not updated, etc. 9. On the 20th of Oct 2020, morning, things were going through my mind; the seller said the car is clean, no issues, no loan since he settled all etc. but the HPI reports say there is still some outstanding loan. So what I did, I called Moneybarn, and explained the situation, and gave them the contract number as well (since it was displayed on the HPI report). They said they will send me a form by email, but they cannot share any information due to Data Protection (GDPR). fair enough I thought, but what made me boil, they said they OWN the car! So, I took the car and drove to the seller where he is working. I confronted him. He said don't worry, I will handle it, he has no time, he is very busy and bla bla bla. I said what reasons do I have to trust you, you lied, and now you say you still have a debt, etc. So I said I will not leave until he has settled the debt, or repay me my money. I also asked what is outstanding, he said around 7,000. Well, since I confronted him at his workplace he may have felt the heat, he assured he will settle all soon, I said sorry, I need a date, so I said you will settle the debt with Moneybarn by 23 Oct 2020, if not, you will refund me my money. He said Ok he will do it, so I said, since I don't trust you, you will sign a piece of paper, and sign it. On the paper, he wrote "I will clear the debt for the Mercedes by Friday" and signed it. I said I am not happy and added the debt details with contract number, and also a clause that if he fails to settle the debt with Moneybarn by Friday the 23rd of Oct 2020, he will refund me my money, 6,800, and sales of the car Mercedes, license plate, will be void. Also, I said to put an initial on each amendment I made with signature. He did, and I left. 10. On 22 Oct I sent him a message, to remind him to settle the debt by Friday 23 Oct 2020 noontime and also I outlined some legal jargon I had to sent that I received from citizensadvice. 11. On 23 Oct, morning time, I received a message from the seller, he said he will not/cannot refund me the money, not to visit him at his office or place, and that he feels threatened by me. 12. Now, the dilemma/headache; a). I received the form from Moneybarn on the 20th of Oct 2020 and I have to send it back within 7 days b). the seller send me a message he will not refund the money c). is the seller holding the title with Moneybarn or did he also buy and not knowing there is an outstanding loan on it d). did he sent the V5C to DVLA since I have the green slip? e). Shall I fill in the form and sent it to Moneybarn? f). If Moneybarn has all my details they may send someone to repossess the car? 13. I decided, I will not undertake anything yet, because my mind said, go there, confront him, park the car in front of the company since I purchased it there and signed all paperwork in their office, they will call the police, the police will come and surely will not do anything but will force me to remove the car and park somewhere else, record all on camera, take all evidence, sent to Moneybarn and at the same time to the seller's employer (when I asked him to sign a letter he will settle the debt by Friday 23rd of Oct 2020, he used a paper of the car rental company, and on the back, the logo of the rental company is displayed clearly and he may have acted on behalf of the company to sell me the car, after all, I don't know if he holds the title with Moneybarn - well, this is an excuse for me to even sue the car rental company, or blacklist him with the company he is working for since it seems he is some type of manager there and he may have acted in the capacity as a sales person to sell the car to me on behalf the company....). 14. So on the 23rd of Oct 2020, I didn't do anything like described under 13....it's not my style as such I called AWH solicitors, explained all, and they said one person is specialized in dealing with such cases and will call me back after studying my case and inform me if it is something they can fight or not. So they will call me Monday the 26th of Oct 2020. I also said I want to go now and confront the seller, but she said better wait till Monday, and if they can fight the case, they will tell me the next course of action - but my funds are limited and cannot afford a lengthy battle, because if no case against Moneybarn means I will have to sue the seller to the court which will cost me. The car has comprehensive insurance and with all this saga I added on the 20th of Oct 2020 also legal insurance on top. Lengthy story, but I am trying to be as detailed as I can, and yes I should have done an HPI before buying the car, but I am from Holland and car sales work there a bit different, and this is my first time I buy from a private seller. Well, once I have sent the form to Moneybarn, I will park the car in a garage, and at this stage, I am renting a room in a house (there is one more tenant). Since I am from Holland, I am planning a trip within 2 weeks to visit my family and I will drive down with the car and in the meanwhile wait if the solicitor can be of any help. I need some advice though, I am still planning to drive down to the seller on Tuesday after I talked with the solicitor, park the car in front of the company, and confront the seller, and try to record all. I will also try to make him sign a letter that I purchased the car in good faith from him (regardless if he holds the title with Moneybarn or not but at least I purchased in good faith from him). Evidence that I have: 1. Car sales invoice 2. Paper that I made him sign 3. Gumtree ad; I could retract this from google history, but the original add removed from gumtree. At least I can show it was advertised 4. I tried to create a history of past owners, total owners including me are 5. It seems the car was also posted on gumtree before by a company in Essex (I saw on google). The reason for doing this, it is very likely that the seller purchased the car from someone else with an outstanding loan. Since then I read a lot on the internet, so please any advice is welcome to pursue my case, I paid a lot and at least I want my money back. Also what I read so far, Moneybarn is not easy to deal with...thanks in advance for any advice I can use for my case.
    • Hi   I think you need to check not just the serial number but what Meter Point Reference Number (MPRN) as the MPRN is what is registered and energy supplier go off as well as the serial number.   So you need to see what the MPRN is as well as the energy supplier it is registered with.   If you look at this Ofgem link: https://www.ofgem.gov.uk/consumers/household-gas-and-electricity-guide/connections-and-moving-home/who-my-gas-or-electricity-supplier   In the above link to do this check it gives a link to:   Find My Supplier: https://www.findmysupplier.energy/webapp/index.html (note you may have to complete a captcha, then input your postcode only and click find my address, when the list comes up click on your exact address, you will then see you actual MPRN and the energy supplier linked to your address)   With the above make sure and take the details of the MPRN and the Energy Supplier, better still take a screenshot/pdf the webpage.   Please let use know if on doing the above it matches your current supplier?  
    • I had exactly the same issues.   Grossly over estimated bills from January onwards.  Despite what they claim, they are effectively taking an interest free loan from their customer base to keep the company in business.   They can dress it up how they like.  It’s irrelevant if they reconcile the bills the following month because they just over bill again thus keeping a rolling interest free loan.   it took two months of constant badgering to be finally moved to a fixed DD.   Once that was done I didn’t care how much they over-estimated by.   I had raised a query with the ombudsman over the billing fiasco and they readied a complaint should I wish to proceed.   I thought everything was sorted until May/June whereby I was allegedly more in debt then I was expecting to the tune of an extra months DD.   On querying it, it transpired that even though I was on a fixed monthly DD, because the bill was generated less than 5 days before the DD was due to be taken they didn’t take the DD.   They offered £5 compensation by way of apology but wanted to take two months DD in June.  I told them where to get off.   With appalling customer service,  bills that you need a Maths degree to follow, and I do have one and still struggled, inability to follow through on any agreements, constant gross over-estimation, the missed DD was the final straw and I proceeded with complaint to ombudsman.   Prior to getting to that stage I had to quote Symbio’s own complaints procedure to them to get any sort of response.   Their final offer to me was £25 goodwill and to waive an exit fee. The offer was derisory given the time it had taken to get things sorted and the continuing ineptitude.  Also, the whole thing has dragged on so long (5 months) I was already in the final 49 days of my contract and therefore there were no exit fees to pay and therefore nothing to waive.   Anyway, upshot is, ombudsman found in my favour.  Ordered an apology and a goodwill payment. Symbio appealed but were told the decision stood.   This week I received the goodwill payment.   I promptly left an honest and truthful review on trustpilot.   The next morning I received an email from Symbio with an apology.   This was followed an hour later with an email from trustpilot saying Symbio had replied to the review.  On reading the response they have accused me of not following procedure and of cyber bullying.   The company is a complete joke.
    • why not simply tell you supplier they have the wrong meter number you been paying for usage , and ofcourse you can view this online too so its not as if you'll owe anything you might get a nice surprise and find you are owed a refund.
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      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
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      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
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      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
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Hi all.

 

I've been helping a family member out with a debt.

 

The company who I've been in touch with are Go Debt.

 

They've been playing dirty so there was no way I was going to let him roll over and play their game.

 

Just as an idea..

 

.They were harassing him on the phone, even calling his workplace and disclosing they were chasing him for a debt and were considering forced bankruptcy!

 

They have also told several lies, and created letters to try to cover their tracks.

 

They tripped themselves up with dates which proved the letters were produced after the fact and never sent.

 

Now, so far as I can tell, there has not been a Notice of Assignment (NOA).

 

I requested this and they sent me the wording of a NOA that anyone can copy and paste off the internet.

 

I wrote back and explained this was not sufficient.

 

This was the last I heard from them until my family member was served with a Statutory Demand (Section 268(1)(A)).

 

Why on earth would they do this when they have still failed to respond to my perfectly reasonable and legal request for the Notice of Assignment!

 

The SD seems legitimate and has the details of the relevant court.

 

So please, any suggestions on next steps? Would it be best to apply to the court for it to be set aside?

Settled Tribunal claim against employer regarding Disability Discrimination.

Recovered my money from an AXA Bonus Cash Builder Plus after discovering here on CAG that the original advertising was found to be misleading.

Cabot still can't provide a copy of Credit Agreement and have left me alone for about a year now.

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YES!

 

i'll move this to the legal forum for you.

 

tell us the details of the debt please as well

 

dx

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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You need to get this set aside - you have 18 days in which to do this.

 

First of all, you must phone the court mentioned on the Stat Demand to ensure that they do actually deal with Bankruptcy/Insolvency cases.

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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YES!

 

i'll move this to the legal forum for you.

 

tell us the details of the debt please as well

 

dx

 

Thank you DX.

 

The debt was originally with "Private & Commercial Finance Co. Ltd." before Go Debt claim it was assigned to them in August of last year.

 

The outstanding balance is in the region of £6,500.

 

This family member was involved in a destructive relationship at the time the finance was taken out and was also suffering mental health problems.

He really shouldn't have been given the finance in the first place due to his mental state and as I can't see how he could have realistically afforded the repayments anyway.

 

I need to find out for sure but I think it may be getting on towards the 6 year mark which would explain Go Debt's behavior.

 

It was early September 2011 when I became involved after Go Debt started harassing him.

 

Due to his health, I had him sign a document assigning me as his appointee in the matter.

 

In my very first letter, I made it clear they were not to contact him at all and that we would not entertain any phone communication.

After they repeatedly failed to provide a Notice of Assignment, I left the ball in their court to do so at the end of September.

 

I heard nothing more until my family member bought the SD to me.

He informed me at that point that they had again been harassing him by phone for some time

- this despite me making it quite clear they were to communicate with me only and in writing only.

 

It seems to me that knowing they were not going to push me around, they reverted to their dirty tactics.

 

Another concern he has, and one I'm not really clued up on is any potential impact on his new partner.

 

She has nothing to do with the debt but they are now living together and he is really worried about this so any advice on his position in this regard would be greatly appreciated.

 

You need to get this set aside - you have 18 days in which to do this.

 

First of all, you must phone the court mentioned on the Stat Demand to ensure that they do actually deal with Bankruptcy/Insolvency cases.

 

Thank you for this, I didn't know I needed to check so this could save me a trip! Do you know if it is 18 working days or all?

Settled Tribunal claim against employer regarding Disability Discrimination.

Recovered my money from an AXA Bonus Cash Builder Plus after discovering here on CAG that the original advertising was found to be misleading.

Cabot still can't provide a copy of Credit Agreement and have left me alone for about a year now.

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a quick check of his CRA file might help on things like dates and payments .

 

 

dx

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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You do need to check if the court they have on the form deals with bankruptcy - if they dont, then you will have to find the nearest one that does as that is where you will need to submit your set aside.

 

I have posted up some threads with information that will help.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?349081-Lowells-Hamptons-SD-***-WON-WITH-COSTS-***&p=3914658#post3914658

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?334524-Lowell-portfolio-served-me-SD-HELP!!!-***-WON-FULL-COSTS-***&p=3914655#post3914655

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I have also left a message on one of the threads I have linked above and asked if khemist would look in on you.

  • Confused 1

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I have also left a message on one of the threads I have linked above and asked if khemist would look in on you.

 

Thank you for that. He received another letter yesterday. It's a warning that if they go ahead with the "Statutory Demand in Bankruptcy", costs in the region of £1000 will be added to the debt". Now, is it me or is this nonsensical! If he was made bankrupt, it's not like they'd be getting it! He doesn't have any assets which wouldn't be protected (car for work).

Settled Tribunal claim against employer regarding Disability Discrimination.

Recovered my money from an AXA Bonus Cash Builder Plus after discovering here on CAG that the original advertising was found to be misleading.

Cabot still can't provide a copy of Credit Agreement and have left me alone for about a year now.

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"Private & Commercial Finance Co. Ltd."

 

i take it this was for a car loan

 

Close, a motorbike

Settled Tribunal claim against employer regarding Disability Discrimination.

Recovered my money from an AXA Bonus Cash Builder Plus after discovering here on CAG that the original advertising was found to be misleading.

Cabot still can't provide a copy of Credit Agreement and have left me alone for about a year now.

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`where do i begin

 

yes car/ welcome finance all over again

 

do you have a copy of the agreement

 

I have a copy and I'll post it shortly. I've had a letter back from them confirming they will not proceed with the SD, while my dispute is investigated. They have still failed to provide a true NOA

Edited by tanglewood01
Tried to delete attachments when I realised they were in the wrong order!

Settled Tribunal claim against employer regarding Disability Discrimination.

Recovered my money from an AXA Bonus Cash Builder Plus after discovering here on CAG that the original advertising was found to be misleading.

Cabot still can't provide a copy of Credit Agreement and have left me alone for about a year now.

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Sorry for the wonky docs - this is how I received them...

TW.pdf

Edited by tanglewood01
Missed some censoring!

Settled Tribunal claim against employer regarding Disability Discrimination.

Recovered my money from an AXA Bonus Cash Builder Plus after discovering here on CAG that the original advertising was found to be misleading.

Cabot still can't provide a copy of Credit Agreement and have left me alone for about a year now.

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squaddie, is that not it above ??

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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may i ask what year is the agreement dated

 

The agreement is from the early part of 2007. The last payment was made in the middle of 07.

 

I thought this was/is the Credit Agreement?

Settled Tribunal claim against employer regarding Disability Discrimination.

Recovered my money from an AXA Bonus Cash Builder Plus after discovering here on CAG that the original advertising was found to be misleading.

Cabot still can't provide a copy of Credit Agreement and have left me alone for about a year now.

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sorry to confuse you

 

i am thinking along the lines of things a credit agreement needs to have such as perscribed terms

 

what insurance crap such as ppi did you have

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There is nothing on the credit agreement to suggest he had any type of PPI. I did ask him at the time things went pear-shaped with his life and he said he didn't have any.

Settled Tribunal claim against employer regarding Disability Discrimination.

Recovered my money from an AXA Bonus Cash Builder Plus after discovering here on CAG that the original advertising was found to be misleading.

Cabot still can't provide a copy of Credit Agreement and have left me alone for about a year now.

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i can see credit protection insurance under optional credit protection

 

the bit has been blacked out, were any figures put in there

 

same with the gap

 

these insurance products were sold on condition of acceptance for the finance

 

it was where the saleman made their money in commission

 

these agreements were allways sold with the rip off insurance products

Edited by squaddie
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The agreement is from the early part of 2007. The last payment was made in the middle of 07.

 

I thought this was/is the Credit Agreement?

 

I am a little concerned about this time line.

 

Agreement entered into beginning of 2007 - defaulted around early part of 2007.. in between times, a default and assignment has taken place ?

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ohoh GAP & PPI how unusual squaddie.......

 

just like old times

 

 

dx

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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i can see credit protection insurance under optional credit protection

 

the bit has been blacked out, were any figures put in there

 

same with the gap

 

these insurance products were sold on condition of acceptance for the finance

 

it was where the saleman made their money in commission

 

these agreements were allways sold with the rip off insurance products

 

One of the figures is on there, but neither GAP Insurance or Credit Protection were taken out. I was being overly paranoid so I censored everything!

Settled Tribunal claim against employer regarding Disability Discrimination.

Recovered my money from an AXA Bonus Cash Builder Plus after discovering here on CAG that the original advertising was found to be misleading.

Cabot still can't provide a copy of Credit Agreement and have left me alone for about a year now.

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ohoh GAP & PPI how unusual squaddie.......

 

just like old times

 

 

dx

 

I think the most laughable part is that I'm guessing neither was taken out as he couldn't afford the repayments on the finance, never mind any protection on top!

Settled Tribunal claim against employer regarding Disability Discrimination.

Recovered my money from an AXA Bonus Cash Builder Plus after discovering here on CAG that the original advertising was found to be misleading.

Cabot still can't provide a copy of Credit Agreement and have left me alone for about a year now.

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