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  • CMA updates guidance on unfair contract terms

    CMA updates guidance on unfair contract terms

    This is a duplicate of the Blog Entry made on 31st July 2015 22:38.

    The Competition and Markets Authority (CMA )has published new guidance on unfair contract terms because of changes to the law in the Consumer Rights...
    ...
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  • Debbs
    started a topic Dispute with Financial Advisor Network

    Dispute with Financial Advisor Network

    Can you help me please. I joined a Mortgage network in 2005 as a Mortgage Advisor and left in 2008/9 after the credit crunch hit. One of my clients in 2014 put a PPI claim in against the company who I arranged their sickness cover with. My network handled the claim but could not come to an agreement...
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  • cymruambyth
    started a topic Second default by Lloyds

    Second default by Lloyds

    LLoyds registered a default on my account ages ago. In 2008 they changed some terms of the agreement, but didn't issue a new agreement. In 2010 they defaulted again and registered another default with the CRAs. In 2011, thanks to AAD they discontinued on their court claim .
    Am I correct that...
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  • julian
    started a topic Who is the Creditor?

    Who is the Creditor?

    When a trader offers credit , e.g. one year interest free credit, the loan is not normally advanced by the trader but by a finance house, and goods are not ordered or delivered until the loan is approved, which may take weeks.

    Under CCA regs, who is the Creditor for cancellation rights?...
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  • Lowell Portfolio I, HBoS, Credit Card

    Dear All,

    I have recently been contacted by Lowell Portfolio I regarding a credit card debt with HBoS.
    I am in a sticky situation having only just started work from a failed business, so I could do without the debts that have the possibility of being deferred until I'm in a better...
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  • nanna58
    started a topic custody ?

    custody ?

    Does anyone know what would happen in this situation ? Son divorced 2 boys always lived with him she said that is what she wanted ,7 yrs on son has not had or been offered 1 penny in maintainence, he recontacted CSA recently ,they have written to her her response is ' if he is going to play silly buggers...
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  • Bath Empire - Abusing your consumer rights

    This is an upcoming fight between me and Bath Empire (Trading as Luxury for Less) - Basically, long story short we spend a few hundred online at http://www.bathempire.com/ (The Bath Empire - T/A Luxury For Less) on 2nd October 2014. We had the new suite and shower installed and noticed a drip from the...
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  • Pixie
    started a topic Welcome to realfedup

    Welcome to realfedup

    Hi realfedupand welcome [img]http://forums.all-about-debt.co.uk/images/smilies/Generic%20Smileys/1-hello.gif[/img]
    I am sure you will find the help you need, if we can kindly ask you to check through the following links to get used to the surroundings first:-
    ...
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  • Atieno
    started a topic Arrow Global (Shoosmiths) v Atieno (Scotland)

    Arrow Global (Shoosmiths) v Atieno (Scotland)

    Hey guys and girls,

    Sorry if im posting in the wrong place, abit confused as to where to put this, but im a bit lost on this issue at the mo.

    Firstly I should start with, I live in Scotland. I have a student overdraft standing at £1,800 from 2010. (date of default on account...
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  • URGENT: Suspended, potentially losing my job and right to appeal?

    Hey,

    Pretty rubbish start to the year.

    Was in hospital last week, me and the missus have split and potentially losing my job.

    Great!

    Basically work have pulled me up on sending emails to my mate in work and various different companies outside of work...
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  • SXGuy
    started a topic Police request for driver information

    Police request for driver information

    Looks like I did 38mph in a 30 zone last week. Police want driver details not sure of the fine yet but could be 3 points and 60 quid. I'm hoping it's a speed awareness course though! Sneaky copper was hidden with a gun.
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  • can you contest a fine for not having a ticket on a train journey

    Hi all'

    this is for a friend quick(ish) story.

    Friends son, J, attends college in Crewe, normally travels by moped, last week bike went off the road, he managed to get a lift to a local train station with 2 mins to spare before train arrived, large Que at ticket office,Train...
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  • TibetanMonk
    started a topic MicroCredit/MiniCredit

    MicroCredit/MiniCredit

    Hey all,

    Wasn't sure if this was on here or not, couldn't find a post for it. But MicroCredit has ceased to trade. HOOOORAYYY!

    However, I have a debt with them, these are the ones that added unfair charges.

    Does this mean my debt is written off or?

    ...
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  • AAD News Feed
    started a topic Payday loan middlemen face crackdown

    Payday loan middlemen face crackdown

    Payday loan middlemen face crackdown

    This is a duplicate of the Blog Entry made on 2nd December 2014 15:42.

    *Thousands of payday loan middlemen face tough new rules after the City watchdog highlighted "blatantly unfair" treatment of customers.* Borrowers...
    ...
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  • darkred
    started a topic Default Notice and PPI Refund

    Default Notice and PPI Refund

    Can anyone help out with this.
    What is the situation where a credit card company has issued a default notice. The account is subsequently assigned to a DCA who has issued a claim.
    In the meantime, the credit card company has upheld a PPI complaint and refunded the premiums and interest to...
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