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    • Guys just to let you know. Chasing these claims is more out of the principle for me. Truly value the help CAG give and provide. Admire the reassurance and advice you give, especially to those in desperate need. Will be looking to donate a significant portion of the final claim. 
    • well I'm afraid that you have missed the main principle which is why should you pay more in order to insure them against their own breach of contract?    This is the confidence trick which all courier companies seem to be practicing against their innocent customers and it's been going on for years.   Follow the link to the piece on extended warranties and you will understand more about how you've been conned into giving up some of the value of your own property because they have breached their contract towards you and lost the item. It is Hermes who should be insuring against their own negligence and their own contractual breaches.   Hermes should not be relying on their customers to protect them against their own contractual breaches. That is the principle that you should be be attempting to defend and unfortunately you appear to have surrendered it.  
    • great stuff. i will continue to lurk and help with any currys pcw related items i can. bare in mind i no longer work for the company any things may change in the future as far as processes.   id personally never buy anything samsung after having had to call their useless customer service for the past few years. they dont deserve your money
    • Hi,    Not sure if I have the right place but a lot of questions seemed to be answered really well so I will try and tap the available knowledge.   I am a student mental health nurse in my second year and have run into a problem regarding my licence.   At the start of June I had a bipolar episode that finished, declared by my psychiatrist on Oct 6th.   I am fine with this (as you can be) as it has happened every 5 years for the past 20 years.   The time previous to this I took my car off the road and did not inform the DVLA and then when my psychiatrist "indicated" it was ok I drove.   This time because I wanted to do it right because I am trying to "do it right" I contacted the DVLA and just wow.   They told me the date was to be the 29th November to start my 3-month ban and that I was to send back my licence and re-apply after those 3 months.   Can I ask a question or two about this information???   Why did they start my 3-months on the 29th Nov when my doctor told me I was completely fine on the 6th Oct - It has added a huge amount of time onto my ban (7 weeks approx).   Is there anything I can do about this? It's like they picked a future random date out of the air(29th Nov).    Can I get them to go with my doctor's 6th Oct if I ring up and tell them this is the date she chose (she chose to declare me ill on one day, why do they ignore the date I was well?)   Should I ring them up and if so, what should I say?   Also on the re-application papers sent out there is a section that says:                                                    "where there has been a history of frequent relapses a longer period of stability will be required..."   Honestly, this terrifies me. What is the time they count as "frequent relapses?"   Is it every 2 or 3 years, or 5?    If it is 5 years and  I fall under that banner say, what are they going to say to me? A 6 month absence?  A year?   It's pretty scary stuff to be honest.   If you can reply, can you be sure to give me the correct info if you can.   I thank you for your time in advance,   All the best, ste.
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Hi Guys

Sorry Ive been meaning to get to this but have just not had the time. I am looking for some help on some debts that i have, things are getting out of hand and i feel i can no longer manage them. I was looking at a DMP but one of the other guys on here said to set up a thread before i go down that route. I'll start off by listing the debts i have and with who and then see what you think.

 

Creditors:

Aqua Credit Card: 475 (25 in arrears)

Barclaycard: 450

Capital One card: 450

DRS Ardent Credit: 375

Lending stream: 847

LLoyds Credit Card: 1200

LLoyds Overdraft: 1200

Lowell Financial: 3371

On Stride Financial: 1154 (this is increasing)

Satsuma: 1033 (also increasing)

Sunny: 403

Vanquis: 1100

Mr Lender: 1000

Moneybox: 200

SafetyNet: 750

 

Even typing this out makes me feel worse

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For all the pdl's start a thread in the pdl forum and investigate some irresponsible lending claims

 

As for the others

Are they still with the original creditors or with dca's?

How much

When taken out

Ar

Defaulted date from credit file


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Oh and i forgot to mention that i have outstanding amounts with First-Utility & Southern water of 750 & 300 respectively.

 

I should really chronicle what first utility did to me, they tried to [problem] me out of 1200 but thats a story for another day

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Creditors:

Aqua Credit Card: 475 (25 in arrears) ---- Credit Card Still active

 

Barclaycard: 450 ------ Credit Card Still Active

 

Capital One card: 450------ Credit Card Still Active

 

 

LLoyds Credit Card: 1200 - ------- Still Active

 

LLoyds Overdraft: 1200 ------ Still Active

 

Vanquis: 1100------- Active Card

Edited by dx100uk
Spacing

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Off the main forum tab top left


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Have you considered a Debt relief order?

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Ive removed all the pdl's from your list

 

Are these others left all still with the OC's


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Have you considered a Debt relief order?

 

Why does he need a millstone around his neck?

 

90% are pdls probably subject to irresponsible lending claims

 

And i bet all bar the OD are the same too


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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owned and active

 

pers id be writing to each of those left in the list above

 

there is a pro rata offer letter in the debt collection section of our library.

 

no need for anything else

they should/must HELP you

 

as for the PDL i'd be sending an irresponsible lending claim to each one

the details of wha to do are in the guide on the PDF forum homepage


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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