Pookies UE Diary

[pooksthebear]

Re: Pookies UE Diary

A couple of years ago, CAG was a very different place. They were happy to discuss UE although it was mostly referred to as 'the CCA route', UE was a term more widely used by the claims management industry which is where I started (but got out just in time!). At that time CAG were helpful and showed me the way, I was really pleased to find out I could do it all myself, up to that point I'd always thought UE was something that had to be handled by specialists (such as CMCs) who would know all the technicalities and legal issues. This forum didn't exist when I sent out my CCA requests! I'm glad it's here now!

Over the past year or so CAG seem to have totally lost the way, offering rather inconsistent advice and telling people "it's no longer possible to get out of paying due to paperwork errors" which, at least in my experience, it's NOT TRUE!

I'm aware there are people out there (such as Garlok) who received very poor advice from that site even years ago, I guess the inconsistencies have always been there.

It's nice to have a site like this where everyone sticks together and works towards the same goals , it's really disgraceful that other forums that claim to help the consumer should focus more on rivalries between forums rather than working together to help people.

Yes I noticed that when I was looking on CAG that someone would ask for advice and get given totally opposite advice from different posters, who then argued amongst themselves. Some appeared to get lots of help and others hardly any response. But the general message seemed to be stop trying to avoid paying and either set up a payment plan or offer a full and final. I did get an impression that some of the 'advice givers' were actually dca's themselves..... or course this probably wssnt the case but its what it looked like.

[pooksthebear]

Re: Pookies UE Diary

There isn't one to set up - you simply click the link then add the address to your email client, however you need to send things to agreements@all-about-debt.co.uk not the niddy address as you did as others can access the Niddy address.......

However, the agreement is enforceable - from first glance. The only downside is the terms are dodgy, easy to rectify but still......Not looking good unfortunately.

The only thing I can suggest is to see what happens, ie act as though it's UE and keep us updated - if they get stroppy then time to consider repayment options i'm afraid.

However for now, see what they send you back next.....

Thanks for having a look Niddy, I had a feeling this one might be as its such a big loan. I did wonder though as I couldnt find the cooling off thing on it but maybe you dont get them on a loan.

I will sit it out and see what happens then and set up a payment plan when they get stroppy, the default for this drops off my credit file this month (or should do, however another default should have dropped off in October and its still showing!) so the only thing i need to avoid is a ccj. When worst comes to worst and they want a payment plan, can I offer them a low one or are they gonna want stupid money? (I was paying them £47 a month on the dmp)

[garlok]

Re: Pookies UE Diary

And I would hope an admission when we don't know but sure as hell going to have a look and ask!



regards
Garlok

[what2donext]

Re: Pookies UE Diary

Pooks,this site has BALLS and deals a straight hand.Thank Christ!

Could not agree more grey,what you get is a straight answer to any questions,help when needed and a prod or a prompt in the right direction long may it continue

[greymatter]

Re: Pookies UE Diary

Pooks,this site has BALLS and deals a straight hand.Thank Christ!

[garlok]

Re: Pookies UE Diary

I suppose the worries I had with CAG in the early days sprang from my own desire to know in depth what was going on. I started there about the beginning of 2009, and followed through for quite a long time. The more I delved into solving our own problems the more I realised that contradiction, outright falsehoods, and worst of all a party line were being imposed upon the members. Some of whom were ending up in worse trouble than when they started, a typical DMP/IVA et al company problem. From the plethora of phone calls we were getting at that time from CMCs cold calling with something that was too good to be true led me to start digging and digging deep, we had no choice at the time. That bit of knowledge gained told me all I needed to know about what was really happening there.

Now we have, in AAD, a place we can all come, there is only one party line as I see it here and that is to kick as much arse as is pocssible on behalf of our members and users.

I think Pooks, the owner of this thread would agree as well, as they have come a long way from day one of joining us.

regards
Garlok

[Never-In-Doubt]

Re: Pookies UE Diary

I have received another cca today, I have updated my diary and sent it you but had to send it to your address through my hotmail as i cant seem to use the one on here.. not sure how to set up an account!

Pooks

There isn't one to set up - you simply click the link then add the address to your email client, however you need to send things to agreements@all-about-debt.co.uk not the niddy address as you did as others can access the Niddy address.......

However, the agreement is enforceable - from first glance. The only downside is the terms are dodgy, easy to rectify but still......Not looking good unfortunately.

The only thing I can suggest is to see what happens, ie act as though it's UE and keep us updated - if they get stroppy then time to consider repayment options i'm afraid.

However for now, see what they send you back next.....

[pooksthebear]

Re: Pookies UE Diary

I didn't search for enforceability either. Initially I was looking for template letters to offer settlements, found the CAG site .. wasn't impressed. Then found the MSE site and saw old posts from Niddy. Think I then googled something and put Never in Doubt on the end of the search and found a post on this site!

Everyone has been very helpful and for the first time I don't feel alone with my debt cloud. Massive thank you to all!!

Pooks

[garlok]

Re: Pookies UE Diary

I agree mate, but when I started out I would have never thought of putting UE in my search engine and wonder if others who are new also wouldn't think. They like me would put CCA because of the news media attention it once received or consumer rights something like that.

However as you have said before, AAD provides a quality of service that the others cannot achieve and you would rather have 10 people really in need that we can help than 100 a day most of whom would be out to cause trouble.

regards
Garlok

[Never-In-Doubt]

Re: Pookies UE Diary

It is unfortunate indeed that should you enter anything like "Consumer Credit Act" in your search engine, CAG appears first and you need to read down a long list to find the other sites.

regards
Garlok

This won't always be the case, it's purely that most internet users click the top link, so end up at CAG and also they're the oldest forum so they have the archive of things....

If you search Google for unenforceability then you'll see things sway more this end (we're third in the list - albeit underneath MSE & CAG) but you'll see we are above LB in less than a year of being here

[garlok]

Re: Pookies UE Diary

hey Pooks, like the avatar!

Sadly Niddy is right, CAG has gone down hill fast and you probably have read our "have you been banned from CAG" thread. Unfortunately an awful lot of the other forums have gone the same route.

It is inevitable in my view that attempts will be made by the financial sector and their parasitic hangers-on to infiltrate the forums which offer sensible support like this one and make people aware of their rights under the law. Some of course have succumbed as well to the lure of thirty pieces of silver crossing their grubby palms.

Niddy and the senior mods here weed 'em all out pretty quick before they get a chance to start problems. It is unfortunate indeed that should you enter anything like "Consumer Credit Act" in your search engine, CAG appears first and you need to read down a long list to find the other sites.

regards
Garlok

[Never-In-Doubt]

Re: Pookies UE Diary

Oh.. can I ask another question please as I keep making a decision and then changing my mind! Right.. the Cabot debt for the overdraft which isnt covered for CCA. Last paid in October. I initially was gonna offer them a reduced payment plan (was paying £5 and odd pence through dmp), then I changed my mind and decided to offer them a low full and final instead and got the letter all ready BUT.. am I better waiting for them to contact me for a payment before I make any offer or just go ahead with the offer now?

Wait till they get stroppy then we'll sort the offer thing out for you - don't do anything without letting me know as we'll get this sorted at the best rate possible

As for CAG .. this was the first site I found and was very nearly put off even going up against the creditors. Nobody could seem to agree and the overiding message seemed to be anti going down the CCA route as this was seen as trying to avoid paying the debts. Thank goodness for Niddy!!

That place is a joke

[Never-In-Doubt]

Re: Pookies UE Diary

I have received another cca today, I have updated my diary and sent it you but had to send it to your address through my hotmail as i cant seem to use the one on here.. not sure how to set up an account!

Pooks

Bear with me - I'll come back to this shortly.....

[Never-In-Doubt]

Re: Pookies UE Diary

Just on the subject of SB, I defaulted on all the debts, they are all in arrears, the bits ive paid off them (last payment made in October) wont have brought me out of arrears soooo.... is it 6 years from October of from the true date of the arrears. Seems very complicated haha!!

It's 6 years from October now so your debts will be SB around November 2017

[pooksthebear]

Re: Pookies UE Diary

Oh.. can I ask another question please as I keep making a decision and then changing my mind! Right.. the Cabot debt for the overdraft which isnt covered for CCA. Last paid in October. I initially was gonna offer them a reduced payment plan (was paying £5 and odd pence through dmp), then I changed my mind and decided to offer them a low full and final instead and got the letter all ready BUT.. am I better waiting for them to contact me for a payment before I make any offer or just go ahead with the offer now?

As for CAG .. this was the first site I found and was very nearly put off even going up against the creditors. Nobody could seem to agree and the overiding message seemed to be anti going down the CCA route as this was seen as trying to avoid paying the debts. Thank goodness for Niddy!!