Forums - AAD Consumer Forum

Hi & Welcome to the AAD Consumer Forum
We're a FREE consumer debt and legal forum offering help, support and debate in many areas of day-to-day life. You will need to Register a Free Account before you can join in with the discussion and contribute with your own posts. Remember to also check out the FAQ's so you can get to grips with how the forum works ready to start posting your new topics. Read about the new GDPR 2018 Rules and how it affects you as a member of AAD.

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Welcome to the AAD Consumer Forum

This is the place to start your adventure - feel free to pop in and say hello and see for yourself how friendly we are!

Topics: 2,245 Posts: 12,720

Last Post: What to Buy at Gaffar Market Karol Bagh: A Local’s Guide

2,245

12,720

What to Buy at Gaffar Market Karol Bagh: A Local’s Guide

by Triphippies

12 May 2025, 07:58

Forum Announcements & Site Feedback

The place to find and report any forum issues, read our announcements and give us feedback.

Topics: 188 Posts: 1,840

Last Post: Divine Journey to Mahakaleshwar Jyotirlinga – A Sacred Hindu Pilgrimage

188

1,840

Divine Journey to Mahakaleshwar Jyotirlinga – A Sacred Hindu Pilgrimage

by Triphippies

2 July 2025, 06:15

Sub-Forums:

Success Stories (19/150)

Forum & Site Issues (67/301)

Important Announcements (93/1,325)

Debt, Bailiffs & Starting Again

Unenforceable Credit Agreements

This section provides help and guides in relation to Unenforceable Credit Agreements. Get help with your Unenforceable Bank Loan; Unenforceable Credit Card; Unenforceable Hire Purchase & even Bank Overdrafts.

Topics: 1,577 Posts: 85,347

Last Post: Debt Diary 2020

1,577

85,347

Debt Diary 2020

by adam92

24 June 2025, 14:00

Sub-Forums:

Unenforceability Diaries (585/63,013)	Template Letters (1/6)	Cabot (78/429)
Idem Capital Securities (1/25)	Intrum UK Finance (5/114)	Hoist Portfolio (8/162)

Debt with a Disability

Topics: 98 Posts: 875

Last Post: Government Rejects Call For Increase In £150 Cost Of Living Payment To Disabled People

98

875

Government Rejects Call For Increase In £150 Cost Of Living Payment To Disabled People

by Sam Audley

31 January 2024, 11:09

Sub-Forums:

Disability & Carers Benefits (11/78)

Disability & Carers (9/204)

Debt & Housing

Topics: 152 Posts: 5,205

Last Post: Rent arrears

152

5,205

Rent arrears

by Still Waving

23 March 2023, 15:20

Debt Free Diaries

Topics: 91 Posts: 1,568

Last Post: how to kill Yahoo captcha

91

1,568

how to kill Yahoo captcha

by Lollybok

6 June 2025, 10:05

Sub-Forums:

Budgeting, Income & Expenditure (63/158)

Formal Debt Matters

Topics: 982 Posts: 16,364

Last Post: Less than a year left of my IVA!

982

16,364

Less than a year left of my IVA!

by ca71

27 May 2025, 08:34

Sub-Forums:

Bailiffs & Harassment (50/756)	Council Tax (15/158)	Bankruptcy (81/1,160)
IVA's (15/178)	Defaults (255/3,618)	DRO's (8/101)
Financial Hardship (12/310)	DMP's (71/1,419)	CMC's (3/12)
Settlements & Offers (84/1,150)	DCA's (275/5,555)	Sub-Prime Credit (16/380)

Reclaiming

This section is closed for new posts but you can still read old threads. The reason for this is the deadline for reclaiming has now passed.

Topics: 382 Posts: 7,176

Last Post: Successful PPI claim

382

7,176

Successful PPI claim

by nightwatch

3 September 2019, 17:25

Sub-Forums:

MBNA (mis-calculated) PPI Redress (1/16)	Reclaim Credit Card PPI (90/1,769)	Reclaim Loan PPI (103/2,013)
Reclaim Bank Charges (27/337)	General Help, Guides & Tools (31/372)	PPI Calculations (8/174)

General Debt Matters

If you can't find somewhere to post your question, then start a thread here and one of the mods will move it to the relevant section, or leave it here as a general debt question.

Topics: 722 Posts: 12,666

Last Post: Pre Legal Assessment Letter

722

12,666

Pre Legal Assessment Letter

by Kiddo68

22 May 2025, 20:20

Legal Debt Matters

If you can't find somewhere to post your legal question, then start a thread here and one of the mods will move it to the relevant section, or leave it here as a general legal question.

Topics: 132 Posts: 1,846

Last Post: Land Registry form help !!!

132

1,846

Land Registry form help !!!

by Jules71

1 January 2025, 13:01

Money, Benefits & Tax

Bank Accounts

Topics: 201 Posts: 3,077

Last Post: Metro Bank

201

3,077

Metro Bank

by Still Waving

25 July 2024, 23:39

Sub-Forums:

Basic Accounts (27/248)

Loaded Accounts (3/26)

Top Accounts (2/31)

Credit Cards

Topics: 114 Posts: 1,887

Last Post: Are pay stubs considered valid proof of income?

114

1,887

Are pay stubs considered valid proof of income?

by Lifeline55

12 March 2024, 17:03

Sub-Forums:

Adverse Credit (6/95)	Balance Transfer Cards (5/44)	Stoozing (0/0)
Top Rated Cards (1/5)

Loans

Topics: 171 Posts: 3,981

Last Post: Loan Personal

171

3,981

Loan Personal

by CashCompare

8 April 2024, 07:40

Sub-Forums:

Unsecured Loans (19/364)

Secured Loans (10/167)

Payday Loans (111/2,969)

Savings

Topics: 5 Posts: 36

Last Post: Best savings account?

5

36

Best savings account?

by Dottir

10 February 2024, 08:39

Sub-Forums:

Savvy Saving (1/7)

Top Saving Accounts (1/10)

Mortgages

Topics: 73 Posts: 1,048

Last Post: Mortgage Questions - Remortgaging with Debt Collector Debt and New Debt

73

1,048

Mortgage Questions - Remortgaging with Debt Collector Debt and New Debt

by Dottir

7 February 2024, 18:41

Sub-Forums:

Top Mortgage Lenders (0/0)	Buy to Let Mortgages (2/10)	Endowments (0/0)
Mortgage Providers (8/84)

Insurance, Pensions & Annuities

Topics: 92 Posts: 1,324

Last Post: National insurance number wrong

92

1,324

National insurance number wrong

by XX007

13 May 2025, 09:10

Sub-Forums:

Retirement Planning (3/30)	Pensions (17/140)	Annuities (3/79)
Insurance (61/871)

Tax, Employment, Students & Benefits

Topics: 275 Posts: 4,073

Last Post: Uniform tax??

275

4,073

Uniform tax??

by sparkeye

12 February 2025, 11:35

Sub-Forums:

Appeals / Complaints / Suspensions (6/83)	DWP & Benefits (92/1,104)	Employment (87/1,617)
Tax / Vat / HMRC (58/819)	Students (4/37)

Your Lifestyle & You

Home, Utilities Holidays & Motoring

Topics: 348 Posts: 6,394

Last Post: Cats

348

6,394

Cats

by linafox

12 March 2025, 15:24

Sub-Forums:

Christmas (39/1,565)	Utilities (94/1,104)	Cookery Corner (12/411)
Hobbies (4/50)	Things to Do (1/18)	Holidays & Travel (38/387)
Living Frugally (5/33)	Gardening (4/153)	Greener living and Money Saving Tips (7/52)
Our Pets (10/220)	Bikes & Motoring (83/1,816)	Home/DIY/Old Fashioned Cleaning Tips (13/152)
Household Goods/Furniture or Gadgets (21/243)

Family Matters

Topics: 99 Posts: 2,265

Last Post: Enhance Your Eyelashes Naturally with Careprost

99

2,265

Enhance Your Eyelashes Naturally with Careprost

by Roger

19 July 2024, 14:04

Sub-Forums:

Family Rants (9/265)	Men (2/30)	OAP's & Getting Old (17/454)
The Kids (18/484)	Women (4/49)	Embarrassing Moments/Stories (19/179)

Techie Stuff

Topics: 293 Posts: 4,487

Last Post: Problems with a onestream broadband renewal

293

4,487

Problems with a onestream broadband renewal

by John777

12 July 2024, 18:43

Sub-Forums:

Home Computing, Laptops & Tablets (166/2,669)	Internet & Broadband (47/788)	Photography (5/90)
Home Phone & Mobile Communications (60/708)	Digital & Satellite TV (14/230)

Freebies & Giveaways

Topics: 93 Posts: 441

Last Post: Sainsbury's voucher codes: four new offers!

93

441

Sainsbury's voucher codes: four new offers!

by DevinShah05

4 April 2024, 19:50

Sub-Forums:

Discount Codes (4/45)

Freebies (39/180)

Special Offers (25/128)

Health & Beauty

Topics: 119 Posts: 3,746

Last Post: Waklert 150mg – The Ultimate Nootropic for Peak Performance

119

3,746

Waklert 150mg – The Ultimate Nootropic for Peak Performance

by romankenndy

6 March 2025, 09:28

Sub-Forums:

Hair & Makeup (9/117)

Health Issues (65/1,306)

Weight & Weight Loss (13/2,072)

Consumers, Your Rights & Regulatory Bodies

Consumer Rights

Topics: 258 Posts: 4,470

Last Post: HOME SERVICES GROUP - aerial fitters repairers etc:-

258

4,470

HOME SERVICES GROUP - aerial fitters repairers etc:-

by linafox

5 June 2025, 13:32

Sub-Forums:

Consumer Complaints (121/1,956)	Parking & Parking Fines (34/499)	Council Tax (10/115)
Criminal Law (3/31)	Praise & Respect (3/7)	Complaints & Rants (68/1,429)

Credit Reference Agencies

Topics: 157 Posts: 1,555

Last Post: Missed payments or over credit limit??

157

1,555

Missed payments or over credit limit??

by wilfred

10 December 2024, 12:09

Sub-Forums:

Call Credit (6/45)	Equifax (16/156)	Experian (19/256)
Fraud Prevention (31/209)

Regulatory Bodies

Topics: 44 Posts: 248

Last Post: Looking for advice?

44

248

Looking for advice?

by Handyman Mk2

14 November 2022, 13:08

Sub-Forums:

FCA (6/17)	OFT (11/29)	FSA (4/4)
FOS (11/122)	ICO (10/61)

Various Legislation & Acts

Topics: 51 Posts: 123

Last Post: DEED POLL changes.

51

123

DEED POLL changes.

by LeoLocke

22 August 2021, 01:16

Regulatory & Consumer Complaints

Topics: 67 Posts: 1,481

Last Post: Centre Parcs Europe - issuing holiday refunds

67

1,481

Centre Parcs Europe - issuing holiday refunds

by Hjordan

19 May 2022, 20:55

Sub-Forums:

PPI Harassing Calls (1/2)

Complain about a Company or Service (29/1,057)

General Chat Forums

Fun, Games, Chat & Gossip!

Topics: 291 Posts: 51,261

Last Post: Shott Ahmedabad: The Ultimate Indoor Adventure with Arcade Games, VR, Zip Lines, and Bowling

291

51,261

Shott Ahmedabad: The Ultimate Indoor Adventure with Arcade Games, VR, Zip Lines, and Bowling

by Triphippies

13 January 2025, 10:12

Sub-Forums:

General Chat Forum (291/51,261)

Personal Messages

Topics: 848 Posts: 5,562

Last Post: Happy Birthday The Tech Clerk

848

5,562

Happy Birthday The Tech Clerk

by The Tech Clerk

11 November 2023, 17:08

AAD Secure & Legal Portal

AAD Legal Services

Get help with a legal issue or with a recent claim received.

Topics: 95 Posts: 1,307

Last Post: Help with claimed debt from Link - 'representatives will visit...'

95

1,307

Help with claimed debt from Link - 'representatives will visit...'

by XX007

28 April 2025, 09:13

Sub-Forums:

Received a claim - £10,000 or less (63/911)

Received a claim - £10,000 or more (20/255)

Document Database

Here you can upload your CCA or Default Notice documents for review & discussion.

Topics: 69 Posts: 717

Last Post: AMEX LIMITED v IAN KARL ROBERT BRANDON [2010]

69

717

AMEX LIMITED v IAN KARL ROBERT BRANDON [2010]

by Joanna Connolly

8 July 2019, 14:52

Sub-Forums:

Case Law Database (52/495)

Default Notice Database (17/222)

Archive

The Forum Archive is where all the older and out-of-date posts are. The content in this section is generally out of date so check the main forum prior to utilising the information within as it's not going to be current and you could end up in more trouble than before you started!

Topics: 37 Posts: 996

Last Post: XEvil 6: the best program for captchas solving was released !!!

37

996

XEvil 6: the best program for captchas solving was released !!!

by Lollybok

6 June 2025, 05:26

Mark Channels Read

Divine Journey to Mahakaleshwar Jyotirlinga – A Sacred Hindu Pilgrimage

by Triphippies

Mahakaleshwar Jyotirlinga, located in Ujjain, Madhya Pradesh, is one of the 12 revered Jyotirlingas of Lord Shiva and a major pilgrimage destination in India. Known for its powerful spiritual aura and the famous Bhasma Aarti ritual performed at dawn, this temple draws thousands of devotees each year....
- Channel: Success Stories
2 July 2025, 06:15
how to solve Steam captcha

by Lollybok

XEvil 7.0 automatically solve most kind of captchas, Including such type of captchas: ReCaptcha v.2, ReCaptcha v.3, Google, SolveMedia, hCaptcha, BotDetect, KeyCaptcha, Cloudflare, Image-to-Text, Amazon AWS WAF, GeeTest slider, ArkoseLabs, TikTok verification, Facebook, Instagram, Twitter, PayPal,...
- Channel: Cabot
6 June 2025, 10:26
how to kill Yahoo captcha

by Lollybok

XEvil 7.0 automatically solve most kind of captchas, Including such type of captchas: ReCaptcha v.2, ReCaptcha-3, Google, Solve Media, hCaptcha, BotDetect, KeyCaptcha, Cloudflare, Image-to-Text, AWS CAPTCHA, GeeTest slider, Arkose Labs, TikTok verification, Facebook, Instagram, Twitter, PayPal, Binance,...
- Channel: Budgeting, Income & Expenditure
6 June 2025, 10:05

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