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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: 2,174 Posts: 11,401

Last Post: CCA Advice PRA Wescott/Link and NCO

2,174

11,401

CCA Advice PRA Wescott/Link and NCO

by nightwatch

1st April 2020, 11:31

Forum Announcements & Site Feedback

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

Topics: 48 Posts: 1,429

Last Post: CORONAVIRUS (COVID-19): MOTS FOR CARS, VANS AND MOTORCYCLES DUE FROM 30 MARCH 2020: TIME EXTENDED

1,429

CORONAVIRUS (COVID-19): MOTS FOR CARS, VANS AND MOTORCYCLES DUE FROM 30 MARCH 2020: TIME EXTENDED

by Spent2much

31st March 2020, 14:27

Sub-Forums:

Success Stories (0/0)

Forum & Site Issues (10/182)

Important Announcements (34/1,221)

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: 1,371 Posts: 78,138

Last Post: Moonmonkey's Diary

1,371

78,138

Moonmonkey's Diary

by Roger

1st April 2020, 10:12

Sub-Forums:

Unenforceability Diaries (513/57,667)	Template Letters (1/6)	Cabot (1/59)
Idem Capital Securities (1/13)	Intrum UK Finance (1/21)	Hoist Portfolio (2/54)

Debt with a Disability

Topics: 91 Posts: 755

Last Post: CCJ getting it written off because of mental health ?

755

CCJ getting it written off because of mental health ?

by Ash5896

27th January 2020, 18:23

Sub-Forums:

Disability & Carers Benefits (11/78)

Disability & Carers (9/204)

Debt & Housing

Topics: 140 Posts: 5,094

Last Post: Tenancy end date disagreement

140

5,094

Tenancy end date disagreement

by Timewilltell

17th March 2020, 21:21

Debt Free Diaries

Topics: 28 Posts: 1,187

Last Post: Getting myself out of debt

1,187

Getting myself out of debt

by Roger

25th March 2020, 12:11

Sub-Forums:

Budgeting, Income & Expenditure (7/102)

Formal Debt Matters

Topics: 923 Posts: 15,596

Last Post: Coronavirus

923

15,596

Coronavirus

by Roger

27th March 2020, 08:09

Sub-Forums:

Bailiffs & Harassment (41/623)	Council Tax (11/145)	Bankruptcy (81/1,165)
IVA's (8/114)	Defaults (242/3,427)	DRO's (8/101)
Financial Hardship (11/298)	DMP's (70/1,416)	CMC's (3/12)
Settlements & Offers (79/1,082)	DCA's (260/5,299)	Sub-Prime Credit (16/379)

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

3rd 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: 655 Posts: 11,943

Last Post: Advice re final response to irresponsible lending complaint

655

11,943

Advice re final response to irresponsible lending complaint

by d_mcl85

21st March 2020, 12:36

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: 104 Posts: 1,610

Last Post: Mortgage Shortfall - After six years

104

1,610

Mortgage Shortfall - After six years

by Nige7

5th March 2020, 11:31

Money, Benefits & Tax

Bank Accounts

Topics: 182 Posts: 2,961

Last Post: Cifas marker had sar to confirm

182

2,961

Cifas marker had sar to confirm

by cymruambyth

5th November 2019, 23:35

Sub-Forums:

Basic Accounts (21/222)

Loaded Accounts (3/26)

Top Accounts (2/31)

Credit Cards

Topics: 107 Posts: 1,796

Last Post: Compo letter from Barclays - is it a trap?

107

1,796

Compo letter from Barclays - is it a trap?

by Still Waving

24th February 2020, 15:47

Sub-Forums:

Adverse Credit (6/93)	Balance Transfer Cards (4/37)	Stoozing (0/0)
Top Rated Cards (1/5)

Loans

Topics: 164 Posts: 3,816

Last Post: Piggybank

164

3,816

Piggybank

by scottygees

1st April 2020, 07:29

Sub-Forums:

Unsecured Loans (16/255)

Secured Loans (7/132)

Payday Loans (111/2,950)

Savings

Topics: 5 Posts: 34

Last Post: Best savings account?

Best savings account?

by The Tech Clerk

21st August 2019, 10:07

Sub-Forums:

Savvy Saving (1/7)

Top Saving Accounts (1/8)

Mortgages

Topics: 66 Posts: 749

Last Post: Coronavirus 3 month mortgage payment holiday

749

Coronavirus 3 month mortgage payment holiday

by Lola girl

31st March 2020, 18:55

Sub-Forums:

Top Mortgage Lenders (0/0)	Buy to Let Mortgages (2/10)	Endowments (0/0)
Mortgage Providers (6/77)

Insurance, Pensions & Annuities

Topics: 85 Posts: 1,251

Last Post: car accident insurance policy claim

1,251

car accident insurance policy claim

by The Tech Clerk

28th August 2019, 08:30

Sub-Forums:

Retirement Planning (3/30)	Pensions (15/135)	Annuities (3/79)
Insurance (56/803)

Tax, Employment, Students & Benefits

Topics: 272 Posts: 4,043

Last Post: Employer Relocating

272

4,043

Employer Relocating

by marypoppins

30th June 2019, 21:37

Sub-Forums:

Appeals / Complaints / Suspensions (6/83)	DWP & Benefits (91/1,100)	Employment (86/1,598)
Tax / Vat / HMRC (57/812)	Students (4/37)

Your Lifestyle & You

Home, Utilities Holidays & Motoring

Topics: 319 Posts: 6,116

Last Post: Buy ielts/toefl/celpip/gre certificate. China -ielts certificate without exam Beijing

319

6,116

Buy ielts/toefl/celpip/gre certificate. China -ielts certificate without exam Beijing

by Guest

10th September 2019, 15:03

Sub-Forums:

Christmas (35/1,552)	Utilities (80/936)	Cookery Corner (12/411)
Hobbies (4/50)	Things to Do (1/18)	Holidays & Travel (32/372)
Living Frugally (5/33)	Gardening (4/152)	Greener living and Money Saving Tips (7/52)
Our Pets (10/219)	Bikes & Motoring (81/1,747)	Home/DIY/Old Fashioned Cleaning Tips (13/152)
Household Goods/Furniture or Gadgets (20/237)

Family Matters

Topics: 97 Posts: 2,260

Last Post: Dementia.... re-claiming care home fees.

2,260

Dementia.... re-claiming care home fees.

by PriorityOne

8th July 2019, 18:54

Sub-Forums:

Family Rants (9/265)	Men (1/29)	OAP's & Getting Old (17/454)
The Kids (18/482)	Women (3/47)	Embarrassing Moments/Stories (19/179)

Techie Stuff

Topics: 289 Posts: 4,467

Last Post: Lowell (Orange) v LifeOfRyan **SET ASIDE**

289

4,467

Lowell (Orange) v LifeOfRyan **SET ASIDE**

by Diana Mayhew

1st March 2019, 10:39

Sub-Forums:

Home Computing, Laptops & Tablets (166/2,669)	Internet & Broadband (45/773)	Photography (5/90)
Home Phone & Mobile Communications (59/705)	Digital & Satellite TV (14/230)

Freebies & Giveaways

Topics: 94 Posts: 439

Last Post: Jd Williams Discount Code

439

Jd Williams Discount Code

by Fractoggen

16th July 2019, 12:04

Sub-Forums:

Discount Codes (4/43)

Freebies (39/180)

Special Offers (25/128)

Health & Beauty

Topics: 78 Posts: 3,709

Last Post: Most appealing to a woman

3,709

Most appealing to a woman

by traceyjedison

17th September 2019, 09:43

Sub-Forums:

Hair & Makeup (9/113)

Health Issues (45/1,277)

Weight & Weight Loss (13/2,102)

Consumers, Your Rights & Regulatory Bodies

Consumer Rights

Topics: 252 Posts: 4,415

Last Post: Evidence of a GDPR breach by my old Debt Management Company

252

4,415

Evidence of a GDPR breach by my old Debt Management Company

by SarahSarah

1st April 2020, 13:20

Sub-Forums:

Consumer Complaints (117/1,918)	Parking & Parking Fines (33/493)	Council Tax (10/115)
Criminal Law (2/27)	Praise & Respect (3/7)	Complaints & Rants (68/1,426)

Credit Reference Agencies

Topics: 147 Posts: 1,498

Last Post: Removal of Entry

147

1,498

Removal of Entry

by cymruambyth

29th December 2019, 11:33

Sub-Forums:

Call Credit (5/33)	Equifax (16/156)	Experian (19/256)
Fraud Prevention (25/172)

Regulatory Bodies

Topics: 41 Posts: 231

Last Post: FCA & HIGH-COST CREDIT PROPOSALS 2018

231

FCA & HIGH-COST CREDIT PROPOSALS 2018

by The Tech Clerk

31st May 2018, 09:51

Sub-Forums:

FCA (5/14)	OFT (11/29)	FSA (4/4)
FOS (11/122)	ICO (8/47)

Various Legislation & Acts

Topics: 51 Posts: 122

Last Post: DEED POLL changes.

122

DEED POLL changes.

by nick0

8th July 2016, 12:58

Regulatory & Consumer Complaints

Topics: 66 Posts: 1,478

Last Post: Debt purchasers not authorised by the Financial Conduct Authority cannot sue in the county courts

1,478

Debt purchasers not authorised by the Financial Conduct Authority cannot sue in the county courts

by Joanna Connolly

8th July 2019, 15:01

Sub-Forums:

PPI Harassing Calls (1/2)

Complain about a Company or Service (28/1,054)

General Chat Forums

Fun, Games, Chat & Gossip!

Topics: 281 Posts: 51,222

Last Post: HAPPY MOTHERS DAY

281

51,222

HAPPY MOTHERS DAY

by cymruambyth

23rd March 2020, 10:31

Sub-Forums:

General Chat Forum (281/51,222)

Personal Messages

Topics: 838 Posts: 5,510

Last Post: HAPPY BIRTHDAY, THE TECH CLERK

838

5,510

HAPPY BIRTHDAY, THE TECH CLERK

by The Tech Clerk

13th November 2019, 09:48

AAD Secure & Legal Portal

AAD Legal Services

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

Topics: 92 Posts: 1,285

Last Post: Mortimer Clarke

1,285

Mortimer Clarke

by Diana Mayhew

17th June 2019, 16:23

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: buy ielts certificate online Shanghai- get ielts certificate without exam in Canada,Australia

717

buy ielts certificate online Shanghai- get ielts certificate without exam in Canada,Australia

by Guest

10th September 2019, 15:09

Sub-Forums:

Case Law Database (52/495)

Default Notice Database (17/222)