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    • Hi Thankyou for your response    yes it is ! I sent of a SAR and within the comms Log Lloyds advised PRA  no CCA or paperwork available  .  hence account unenforceable.   The default is listed as PRA so does that mean it’s active ?  I can’t see a default for LLoyds on there.  I will follow your advice Thankyou 
    • i will guess this is:   a debt buyer dca cannot register a default notice    if the original creditor registered a default notice then get a copy of that  staple it to a letter to PRA and demand the account is removed from your credit file forthwith or a serious complaint will be registered with the ICO and financial compensation will be sought.   give them 14 days 
    • Good Evening,    Please may I ask for some information re default markers on Credit Report ?    I had a CC with a Bank default around Jan 2014. Nothing was registered on my Credit Report The debt was later sold on a few times. Eventually to PRA in 2017 where it is unenforceable.   On my Clearscore report that I have recently downloaded it says “ In default PRA GRoup 5th April 2017”. when I click onto this it shows no markings on any month from 2014. so my question is can PRA register the default from 2017. I’m unsure if it drops off from The bank in 2014 or after PRA registered in 2017.    thanks for any advice you can give   
    • there you go all done i thought i could see you'ed left your reg number and their PCN number in your pictures.   there are quite a few threads here on this only allowed 30mins on certain esso forecourts total rubbish ofcourse  and none haver gone anywhere so far FWIW.   dx      
    • Highly likely providing you were the first private buyer to purchase the car with HP or conditional sale outstanding the solicitors will conclude that you have good title and act accordingly  As dx says let consumer law deal with this, keep the vehicle well hidden just in case but if you turn up at the sellers work and cause problems and the Police become involved  its highly likely you will be the one with big problems 
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      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.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      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.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      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.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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I raise a glass to..............CHRISTMAS GARDEN OF REMEMBERANCE


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So Christmas is nearly upon us once again...... A time for giving, sharing, fun, laughter and good food. But it also makes us remember people we love who are no longer here to celebrate.

 

I turn 41 on Sunday, :-( and it has always been a tradition in my family that the decorations go up on my birthday.

 

When I had my own family, the tradition continued, however my loving Mum and Dad are no longer here to join in, and putting up the decs whilst celebrating my birthday brings both joy and pain because it brings back so many memories. (My Dad loved Christmas so much he had us playing Christmas carols as a kid on my sisters birthday........... 15th Nov lol)

 

So I want to remember my Mum and Dad (and the other family members and friends whom I have loved and lost) by raising a CAG drink to them.

 

Please join in by raising a glass of your loved ones favourite tipple and feel free to add a story as to why you raise that glass.

 

Merry Christmas every one xx

 

Up2

 

Dad (02/1997) I raise a glass of port to you because you made me believe Santa preferred this to milk. I love and miss you, God bless

 

Mum, (09/2007) I raise a glass of Baileys to you because that's all you drank. :| lol, I love and miss you, God bless

 

I raise a glass of Rose wine (my tipple) to the rest of my family and friends no longer with us. I love and miss you, God bless

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I raise a glass to ................

 

Nan and Grandma, and Papa and Granddad.

 

I'm 21 with no grandparents. I RAISE A GLASS OF Jack Daniels (my tipple) and celebrate your lives. I LOVE YOU, I MISS YOU, GOD BLESS

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MS Bobcat here

I raise a glass of milk 1 to my darling grand-daughter Alisha Marie

15/12/2005 ~ ~ 13/02/2006

miss you sweetheart, always and forever xx

If I owe you money, take a number and join the queue. If you owe me money pay up and shut up

 

 

 

 

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What a lovely idea for a thread. :-)

 

Glass of Jack duly raised to my Gran and Grandad, and Nanna and Grandad. Also to my BIL's Mum, who sadly passed away in late November.

 

Bless you all.

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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To my 2 big brothers who left us too young. Cheers boys. Miss you both.xxxx

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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To Caro's brothers,

 

Two glasses tipped for you xx

 

Thanks Caro for your support... xx

 

My pleasure. It's nice to remember them now even if it has brought a tear to my eye.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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To my mum and dad who are now together once again...miss and love you both xxx

 

 

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HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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thinking of each and every Angel, also remembering OH'S triplets lost at 14 weeks into pregnancy X♥X♥

If I owe you money, take a number and join the queue. If you owe me money pay up and shut up

 

 

 

 

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I bought a special xmas gift for my late mother who passed away in april 2008. It's a little angel that sits in a sort of halo and it reads under the halo......every time a bell rings an angel gets their wings.

 

I will be raising a lot of glasses this exmas

My late wife who passed away on 25-1-99 due to 2nd term breast cancer she passed away just 7 days after our youngest son's 6th birthday Sue will never know how much she is missed and I still remember her every day and some days so much more than others....no one can see me reading the various cards at the shop ....searching trying to find the right card for her when I take the card to the cemetary or when I buy flowers to take....when the lady askes ...shall I wrap them and i say no they are for her grave and her birthday being 10-10-57 and her burial plot being 10-57.....why why was that I will raise a glass for the three miscarries she had too before our boys came along

I will raise a glass to her twin sister who also passed away due to breast cancer on 11-7-95 it was ME who had to give the UCU staff a time to cut her life support due to none of her family could do it.

I will raise a glass to the late husband of my late sis in law when he also passed away 16 months after she did and my late wife and i helped look after their 4 youngest children to help give their nanna a break.

I will raise a glass for the elder and younger of my sisters who also died of their cancers in in October 2003 and March 2005 and for my eldest brother who died from a massive stroke in july 2000.

I will raise a glass to the 24 year old nephew who "silly boy" got involved with drugs and died in jan 07 and then last june his elder brother Vincent died too....early 40's while in hospital waiting for his wife to come to pick him up due to he had been.....cured...the case will be starting soon.

I will raise a glass to my mum who died on 2nd of April just 20 minues after my two sons and i went to see her she was 91 and had such a hard life it was me who closed her tired little eyelids and not a nice thing for my boys to have witnessed....their nanna passing away right in front of them....we were not expecting it.

I will raise a glass to my late dad.......he died in nov 80 he came through Dunkirk but lost a leg during dispatch motor cycle riding over here while waiting for his regiment to be re-formed.

Lastly I will raise a glass to me....I survived a heart attack and will strive to be here for my son's,some family and friends and good friends in here.There are some who I will have missed here to raise a glass too but due to the way my head aches I cant remember them all.....I may be stoshed xmas day if I raised a glass to them all so I'll just have to one glass for them all....rip my lovely family xxxx

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Happy Birthday for December 15th Alisha, have a wonderful day with all the other Angels. 7 today! xxxx

If I owe you money, take a number and join the queue. If you owe me money pay up and shut up

 

 

 

 

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Happy Birthday for December 15th Alisha, have a wonderful day with all the other Angels. 7 today! xxxx

 

Sadly there are 20 more little angels who have just joined your precious Alisha. Remembering her and them. :grouphug:

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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yes Caro I heard it, so awful. In our thoughts and prayers xx

If I owe you money, take a number and join the queue. If you owe me money pay up and shut up

 

 

 

 

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Slightly belated glass raised to my late wife, who would have turned 40 on the 7th.

 

I'm remarried now and happy, but this stuff doesn't ever go away.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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100_0678-1_zps1e4be4ec.jpg

 

granddad - first christmas without you

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Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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  • 2 weeks later...

to Karina Menzies who's little girls will be getting their very last gifts from their mummy....the gifts were what she had bought as a start up for her girls before she got crushed by the hit and run driver.

I'll raise a glass to Mick B an old mate of mine who left behind a wife and their two little girls xx his wife lights a candle to Mick every single day

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  • 4 weeks later...

I've not been on CAG fo a long time and have only just seen this beautiful thread.

 

Can I raise a belated glass to my beautiful son, Mark, who passed away on 26th November.

He only got sick in August and passed suddenly that Monday evening.

I was in the hospital talking to him only an hour before he died.

Keep singing with the Angels Mark!xxxxxxxxxxxxxx

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so sorry to hear this Cassie, my thoughts and prayers are with you

If I owe you money, take a number and join the queue. If you owe me money pay up and shut up

 

 

 

 

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I've not been on CAG fo a long time and have only just seen this beautiful thread.

 

Can I raise a belated glass to my beautiful son, Mark, who passed away on 26th November.

He only got sick in August and passed suddenly that Monday evening.

I was in the hospital talking to him only an hour before he died.

Keep singing with the Angels Mark!xxxxxxxxxxxxxx

 

a BIG bunch of hugs on their way from here too x

we have my late wifes 14 aniversary of her death here on the 25th Jan and it will get better Cassie but it's how long it takes that hurts x

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