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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!
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2,219 12,361
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The place to find and report any forum issues, read our announcements and give us feedback.

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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.

 

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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.
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nightwatch
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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.
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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.
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AAD Secure & Legal Portal
AAD Legal Services

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

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92 1,288
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Document Database

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

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69 717
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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The Forum Archive is where all the older and out-of-date posts are. The content in this section is generally out of date so check the main forum prior to utilising the information within as it's not going to be current and you could end up in more trouble than before you started!
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Most users ever online was 4,049 at 20:03 on 5 January 2021.

AAD Consumer Forum Statistics

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Topics: 17,732   Posts: 497,891   Members: 5,055   Active Members: 135
Welcome to our newest member, JonathanLy.

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Latest Topics

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  • Parki
    IVA General Advice
    by Parki
    Hi, I am currently 3.5 years into an IVA with Payplan. I have been pretty lax with things and I have decided I need to be more proactve so I know where I should be.

    I recently have secured a 8k payrise - I have not yet informed Payplan of this but I would need to provide the payslips at...
    24 October 2021, 17:19
  • Matta1972
    Matta1972 Unenforceability Diaries
    by Matta1972
    Hi been asked to set up diaries for each debt so here they are:
    • Barclaycard credit card
    • 10/1999
    • Balance is £11000
    • Last full payment years ago
    • Paying a nominal amount amount after doing financial summary
    • Default date 12/2015
    • Link own this.
    Asked for CCA agreement, Link have replied saying...
    21 October 2021, 10:13
  • Matta1972
    CCA advice and what to do next regarding settlements
    by Matta1972
    Morning, I will be as concise as possible. I have 6 debts, all in default, within 12 months all 6 will be over 6 years old. I have been maintaining them myself for years using income and expenditure sheets and paying them all minimal amounts as thats all I can afford. I am dealing with PRA, Link x2...
    21 October 2021, 08:54

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