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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: 2,186 Posts: 11,691

Last Post: John's Debt Diary

2,186

11,691

John's Debt Diary

by Timewilltell

14th July 2020, 22:48

Forum Announcements & Site Feedback

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

Topics: 54 Posts: 1,455

Last Post: CIFAS MORTGAGE MARKER REMOVED !!SO HAPPY

1,455

CIFAS MORTGAGE MARKER REMOVED !!SO HAPPY

by Never-In-Doubt

8th July 2020, 00:35

Sub-Forums:

Success Stories (2/10)

Forum & Site Issues (10/186)

Important Announcements (38/1,233)

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: 1,392 Posts: 78,844

Last Post: Stevo62 My Diary

1,392

78,844

Stevo62 My Diary

by Stevo62

14th July 2020, 18:10

Sub-Forums:

Unenforceability Diaries (525/58,194)	Template Letters (1/6)	Cabot (3/118)
Idem Capital Securities (1/13)	Intrum UK Finance (1/21)	Hoist Portfolio (3/74)

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, 19:23

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, 22:21

Debt Free Diaries

Topics: 29 Posts: 1,210

Last Post: Cowbopper Debt 1

1,210

Cowbopper Debt 1

by Diana Mayhew

7th May 2020, 19:31

Sub-Forums:

Budgeting, Income & Expenditure (7/102)

Formal Debt Matters

Topics: 928 Posts: 15,631

Last Post: Determining if DFN issued, the date, and importance further to sending for CCA's to creditors

928

15,631

Determining if DFN issued, the date, and importance further to sending for CCA's to creditors

by nightwatch

14th July 2020, 14:34

Sub-Forums:

Bailiffs & Harassment (41/623)	Council Tax (11/145)	Bankruptcy (81/1,165)
IVA's (9/121)	Defaults (245/3,452)	DRO's (8/101)
Financial Hardship (11/298)	DMP's (70/1,416)	CMC's (3/12)
Settlements & Offers (79/1,082)	DCA's (261/5,302)	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, 18:25

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: 660 Posts: 11,994

Last Post: A stranger returns ...

660

11,994

A stranger returns ...

by thatnamestaken

14th July 2020, 21:40

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: 106 Posts: 1,623

Last Post: Rules for statute barring of debts

106

1,623

Rules for statute barring of debts

by Diana Mayhew

3rd July 2020, 13:19

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

6th November 2019, 00:35

Sub-Forums:

Basic Accounts (21/222)

Loaded Accounts (3/26)

Top Accounts (2/31)

Credit Cards

Topics: 108 Posts: 1,799

Last Post: Balance transfer 0% cut-off date

108

1,799

Balance transfer 0% cut-off date

by SA Gold

2nd May 2020, 08:44

Sub-Forums:

Adverse Credit (6/93)	Balance Transfer Cards (5/40)	Stoozing (0/0)
Top Rated Cards (1/5)

Loans

Topics: 165 Posts: 3,885

Last Post: Shawbrook Loan Sold to Asset Link Capital - Discussion

165

3,885

Shawbrook Loan Sold to Asset Link Capital - Discussion

by eral

16th June 2020, 23:15

Sub-Forums:

Unsecured Loans (17/314)

Secured Loans (7/132)

Payday Loans (111/2,960)

Savings

Topics: 5 Posts: 34

Last Post: Best savings account?

Best savings account?

by The Tech Clerk

21st August 2019, 11:07

Sub-Forums:

Savvy Saving (1/7)

Top Saving Accounts (1/8)

Mortgages

Topics: 66 Posts: 753

Last Post: Kensington mortgages awkward about mortgage holiday break during coronavirus outbreak

753

Kensington mortgages awkward about mortgage holiday break during coronavirus outbreak

by Spent2much

12th April 2020, 14:47

Sub-Forums:

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

Insurance, Pensions & Annuities

Topics: 86 Posts: 1,266

Last Post: STORM/TEMPEST CLAIM BUILDING NOT ALLOWED

1,266

STORM/TEMPEST CLAIM BUILDING NOT ALLOWED

by The Tech Clerk

4th July 2020, 15:58

Sub-Forums:

Retirement Planning (3/30)	Pensions (15/135)	Annuities (3/79)
Insurance (57/818)

Tax, Employment, Students & Benefits

Topics: 272 Posts: 4,043

Last Post: Employer Relocating

272

4,043

Employer Relocating

by marypoppins

30th June 2019, 22:37

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: 320 Posts: 6,120

Last Post: Car Rental Woes: SIXT demanding $177 parking ticket for case they told me was solved (PLS HELP)

320

6,120

Car Rental Woes: SIXT demanding $177 parking ticket for case they told me was solved (PLS HELP)

by Never-In-Doubt

28th May 2020, 15:58

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, 19:54

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, 11:39

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, 13:04

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, 10:43

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: 4,419

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

252

4,419

Evidence of a GDPR breach by my old Debt Management Company

by SarahSarah

8th April 2020, 10:54

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: 148 Posts: 1,511

Last Post: CIFAS - Data Aggregation Repository

148

1,511

CIFAS - Data Aggregation Repository

by 1NightInIbiza

30th June 2020, 21:17

Sub-Forums:

Call Credit (5/33)	Equifax (16/156)	Experian (19/256)
Fraud Prevention (26/184)

Regulatory Bodies

Topics: 42 Posts: 237

Last Post: Non compliance

237

Non compliance

by The Tech Clerk

21st June 2020, 09:21

Sub-Forums:

FCA (5/14)	OFT (11/29)	FSA (4/4)
FOS (11/122)	ICO (9/53)

Various Legislation & Acts

Topics: 51 Posts: 122

Last Post: DEED POLL changes.

122

DEED POLL changes.

by nick0

8th July 2016, 13:58

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, 16:01

Sub-Forums:

PPI Harassing Calls (1/2)

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

General Chat Forums

Fun, Games, Chat & Gossip!

Topics: 283 Posts: 51,239

Last Post: Benefits of Lockdown

283

51,239

Benefits of Lockdown

by nightwatch

23rd May 2020, 18:06

Sub-Forums:

General Chat Forum (283/51,239)

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, 10:48

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, 17:23

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, 16:09

Sub-Forums:

Case Law Database (52/495)

Default Notice Database (17/222)