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I haven't spoken to Martin properly in a long time but once we were quite close. I am very sad to hear of his passing, far too early. I agree with the sentiments expressed by Bankfodder - he was an intelligent man who up until CAG hadn't really found an outlet for his knowledge and passion. I am sure he will be missed by many many people.


RIP Martin3030

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Just in total shock, Martin was the reason I joined the site team, I had troubles with credit card debt and through his and another site team members advice was able to get myself sorted, I vowed to help anybody I could and to be asked by Martin to join was a true honour which I hope I lived up to in my short stint.


Unfortunately I've not really been in touch since leaving the site team and thats to my regret and my loss as his humour and wit will be sorely missed, I'll fondly remember the site team meetings especially the social part.


My sympathies to his wife and family & the CAG site team.





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Very sad news.


I will miss him sending me infractions :-(





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It is always sad to hear the loss of somebody. This is no exception. I never had much to do with Martin during my time here, but he always seemed to be there for anybody who needed help. One can see from the number of posts that he made how helpful he was.


My condolences got out to his nearest and dearest.



R.I.P. Martin.


You will be sadly missed.

I Wish you everything you wish yourself.


NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Martin, I've left posting this until I thought I could get it right.


You gave your life to CAG as much as you could and would have done anything you could to help anyone here. You achieved a huge amount and were kind, wise and just.


When I was a site team newbie, you had time for me. You never judged or made people feel bad.


The forum will not be the same without you.


HB x

Illegitimi non carborundum




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Martin when I had doubts about being here because of my background you told me about yourself and how you made your life work it reminded me that I was privilaged, and made me more determined to help others if I can!!!



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I guess we'll never know the true number of people Martin helped - it must run into thousands. So many have so much to thank him for - his commitment to helping those who didn't know where to start to help themselves was incredible.


God Bless you Martin - I will miss your friendship and support.

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Martins legacy will live on, through all the friends that he made, to all the many many people he has helped during his time with CAG.


R.I.P Martin


Our sympathies & thoughts to all of Martins family & friends. x

I don't suffer from insanity, I enjoy every single minute of it!!

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What awful news!


My thoughts are with Martin's family and friends.


May he rest in peace.




A government that robs Peter to pay Paul can always depend on the support of Paul.

George Bernard Shaw





Go on, click me scales (if I have helped) :grin:

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My deepest sympathies to Martin's family and friends.


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Have just received the email and this is such sad news for all of us who have been helped by him, or helped by someone who was helped by him.


That is just too young to go.


He will be sorely missed - he is already. And we did not have the time to let him know how valuable his knowledge, support and helpful advice has been over the years to hundreds of thousands, possibly millions of people out there.


As said, may he and Rooster be having a good time together.

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I am so shocked by this, Martin as been a fantastic help to me he was helping my sister in 2010 just before she died she was so overwhlemed at his kindness, my thoughts go out to his family at this very sad time nice to see his face on here just wish it was not in these circumstances, he will be very sadly missed

Edited by Laura Cooke
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I have signed back in to CAG to say RIP Martin. You will be missed by so many and you were truly an inspiration to many CAG members who found themselves in need of expert help. You gave them that help and you are I am sure applauded by the CAG team and all those you helped with sound advice.



I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.


Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement


PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc


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Post 290 from

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Wow, what a shock :( I didn't meet Martin in person, but we had many conversations here on CAG and also exchanged private messages. A very knowledgeable and helpful guy, his advice was always spot on, and he was very supportive. After a fairly long absence from CAG I had to return just to show my respect for Martin and offer condolences to his family, friends and all who knew him. R.I.P Martin3030



Blimey it works....:-)

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I was so sad to read my emails this morning. I haven't posted for a while because Family life took over etc.

When I first joined this forum I was at my wits end, not knowing which way to turn and Martin and you regs, helped me no end in so many ways and I will be for ever grateful to Martin and this forum.

Please convey my good wishes to Martin's dear Family at this sad time. (((X)))

I live in Liverpool so if anyone from the Forum is going to Martin's funeral, I am happy to join you or indeed go on my own. Please DM/PM me if I can join you in remembering such a sound, caring guy x Glen, Liverpool.

Edited by Andyorch
Personal email removed

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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My condolences to the friends and family of Martin Kay. This site is truly a magnificent achievement and I am sure Martin Kay will be much missed by us all.


"Now the day is over,

Night is drawing nigh

Shadows of the evening

Steal across the sky."

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I'm a bit of a lapsed member of CAG;

I thankfully needed no more help from the kind members here, and I also felt that my own job, and any help I could give back here was done, as my area of specialisation was business bank charges (starting the thread "claiming on a business account, lets join forces? ...if anyone remembers), and once that door became closed I had a lot less to contribute.......plus lots of other personal things in life just sort of took over my time.


There was never any chance of Martin ever becoming a lapsed member though !

His passion, his drive and his quest to see right done were exceptional.

Likewise his ability to research, comprehend, seek out, and interpret for others was exceptional..... as was his kindness and eagerness to help others.

I only ever spoke to Martin on the phone, but after doing so several times into the early hours of the morning, I did feel a great affinity with him, and as if I had known him a long time, such was his welcoming and friendly nature.


The loss of Martin is the loss of a truly exceptional person; a great loss to this site and the cause for justice, but more importantly the loss of a kind, gentle and selfless person for all his family and friends.


We all say RIP Martin Kay... but right now, he's probably already going through St Peters bank statements looking for errors !!

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Many thanks Photoman


Your post typifies Martin perfectly.......he will be greatly missed.





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