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    • I sent one to Together Money- who are Blemain I believe?  Unless there's another address ? I sent one by post to the address on the Together site...
    • Hi I have received not one but three of the same PAP letters (just different amounts and details) from Moriarty Law, allegedly for three different ADCB credit cards taken out in UAE in 2009 for a total debt they claim is now almost 200,000 pounds across the three accounts.  I think I may have had one credit card from them, but there was nowhere near that amount outstanding, if anything, when I left the UAE for good on September 30, 2010. There is a difference with my case, however and I need some advice.  I have lived in Hong Kong since 2012 (I am a permanent resident there) and the letters have been sent to my elderly mother's address, which is where my UK bank account is registered, and have been forwarded to me. Though they are dated August 20 and 21 I only received them yesterday. There are also two follow-up "Final demand before proceedings letter" both dated September 8. In previous years there have only been various DCA letters sent which have all been ignored My queries are this: 1. What would happens if the letters were returned with a note that this person is "no longer lives at this address" - moved abroad” 2. Or should I return the PAP reply form anyway as set out on this forum but with no address on it (it might confuse them with a Hong Kong stamp on the envelope I guess) 3. If I do that, should I send the three forms separately or together? 4. Should I return it saying I have left the country adn not to send any more correspondece to my old address? 5 Or is there any other advice you can give.  I am not sure if I reveal that I am in Hong Kong that could stop UK proceedings, could I have a CCJ in absentia and could it be enforced, or whether could chase me for it in Hong Kong which has a similar statue of limitation law to UK? Thanks for any speedy advice. Time is short because it takes four or five days for post to get between UK and HK.        
    • A step by step guide on how to use the Armed Forces Pension Calculator     READ MORE HERE: https://www.gov.uk/government/publications/a-step-by-step-guide-on-how-to-use-the-armed-forces-pension-calculator
    • Hi   Repair and Support Plan states: If your product goes wrong after the 3rd Repair, you can request a replacement.(The faults must be mechanical they say e.g Hard Drive as opposed to physical/accidental to qualify for replacement/vouchers).   My Laptop has had 4 Hard Drive replacements. They are attempting to claim that a corner being missing when the laptop went in for repair over rides Hard Drive Failure and are therefore claiming my laptop has had only 3 repairs.   Also Well fix in 7 days or replacement-1 of the repairs took almost a month. Ive refused delivery of my `fixed` laptop now for 3 months while arguing to and fro with them that they have breached the support plan and I want replacement vouchers.They are now charging me £50 to store my laptop and are going to dispose of it in 6 days if I dont contact them. Been through usual channels..Consumer advice... just found out they wont participate in ADR. I loathe this company they are a disgrace. Ive paid A support Plan £11 per month for over 8 years. Im aware how bad they are and how many people they have shafted. Anyone any idea where I stand ..what I do?I dont want them to get away with broaching the policy as well as binning my laptop.Im left with nothing.    
    • So it is...... ...but has yet to be determined by a Judge...who would no doubt decide that  Bailey had the use of the vehicle  during the term of the agreement and therefore benefited.   Too risky....I would be happy with this result and leave it at that. 
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Stay well clear from welcome. I purchased a car from them back in 2001 because it was a time in my life when i could not get high street loans. i went to there showroom in Wolverhampton by appointment and i did not come out untill 5 hours later.

They miss sold me PPI becasue they conned me by saying no PPI no car, I was desperate for a car at the time and needed one for my job.

I Realised my mistake and just wanted out so I executed my right (as per the contract) by asking them to collect the car after i paid more than half in 2005.

They charged me a fortune in interest just on the PPI, as well as the loan for the car.

I am now thinking of claiming back the money they robbed off me and the interest because they bullied me into taking out the PPI when i was so desperate.


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HI david they like to think they play hard ball , but I would start claim asap you will get plenty of help on here.. I would also send a copy of your prelim letter to trading standards and fsa... the more black marks they get the quicker they will be investigated....

Only direct action by the masses will work....


Look at all successes they have never come from negotiation!!!

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the only problem i got is i disposed of all the paperwork from them including the original contract outlining the PPI and interest


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a sar request should sort that, and you can request a copy of your finance agreement under the CCA


something like this should do :-



Dear Sir/Madam


Re:− Account/Agreement Number :- XXXXXXX Customer Number:- XXXXXXX (If Applicable)

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.


We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.


We understand a copy of our credit agreement should be supplied within 12 working days.


We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.


We look forward to hearing from you.


Yours faithfully




They then have 12 days to provide it, after that 12 days, they then have a further 28 days (i think) to provide before they are committing an offence - as to what offence and how they are punished seems unclear to me, maybe someone else can clear that up.


As usual - send everything recorded and keep all the stubs and copies of letters sent - if they fail to provide any documentation in the time specified, hit them with a dispute notice, from there they are not suppose to add any charges / interest's or ask for payment :)


Good luck!

  • NatWest - Settled in full 8 weeks after LBA (without interest)
  • Capital One - LBA 27th July - Offered & paid £28 - Rejected - settled
  • Monument - LBA 18th July - Offer 19th July - Refused - settled

  • WFS - 8 Point Complaint - awaiting response - Failed CCA Request - awaiting response - Awaiting S.A.R - (Subject Access Request) info

***WFS Written Off £8k 01/08/07***


Monument sent my info even tho i forgot to send payment!!! Thanx Monumnet

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