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  • Capital One Credit Agreement

    Good Morning,

    I currently have a debt of £13.6k with Capital One and currently in the process of negotiating an F&F payment.

    Following advice, I requested a copy of my original contract signed with Capital One back in 2005 but now need this reviewing to see if it is...
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  • sebaab
    started a topic Help Needed Cowboy Builder Threatening Court

    Help Needed Cowboy Builder Threatening Court

    I need help as I am in the unfortunate position of being in dispute with a builder who was doing a building job for me. I sacked him before he finished the work because he is incompetent. Not only that but he lied to me, didn't turn up most days, had a near miss involving a neighbour and generally...
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  • Zeppelin
    started a topic Reconstituted Agreements

    Reconstituted Agreements

    I've been reading the excellent AAD guide to UE as a result of which I think I've got a better understanding of most aspects of UE, or so I thought at first! I'm sure I read somewhere that for Pre-April 2007 credit card accounts reconstituted agreements are NOT "valid,true copies and unacceptable"....
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  • so_so


    Dear all, I am new to this group and I would really like some advice as to what to do next, I'll try to make this as concise as I can.
    Sometime in November 2016 I applied for a Lloyd bank credit product and was declined, this wasn't the first time I've been declined a credit facility or a mobile...
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  • xcharlx
    started a topic CCJ from orange

    CCJ from orange

    I had a contract with orange which I gave them the 30 days notice for and left. This was nearly three years ago I have now just received a ccj for £152.60 with a total amount of £236.97.Not sure where I stand with them
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  • pipsaholic
    started a topic Moorcroft Letter?

    Moorcroft Letter?


    I sent letters to Tesco Bank asking for debt validation, deed of assignment, proof of contract they have eventually after 4 months passed onto Moorcroft sent them letter 1 got this response?

    Questions I have is

    We received the instructions in good faith from...
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  • jmmc
    started a topic Lowell Portfolio / Orange Mobile UK debt

    Lowell Portfolio / Orange Mobile UK debt

    Hi everyone,

    My name is Joao and I am new in the forum, so Hi to everyone. Hope you guys can help me with this not so new issue.
    I looked on google and it seems a lot of people had problems with Orange and Lowell before, but I can't get the right answer for my problem.
    I was...
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  • Spent2much
    started a topic parking fine double yellows ?

    parking fine double yellows ?

    I got a fine for parkingon double yellows- but i sent it back with 'not entering into contract' worth a try but is this right ?
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  • sebaab
    started a topic Ditching My Gregory Pennington DMP! What Does it Entail?

    Ditching My Gregory Pennington DMP! What Does it Entail?

    Hi, I want to get out of my DMP with Gregory Pennington. I have 21k outstanding debts with 8 creditors. GP are charging me £90 per month of my £550 payment as their management fee and I've decided I'm not happy paying this any more after 3.5 years of paying it!!!!! So, how easy (or difficult) is it...
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  • Parking notice from VCS at Liverpool Airport

    Hi all,

    Received this notice and appealed to VCS, which was obviously rejected. Is it worth appealing to IAS? According to various things that i have read, it's a complete waste of time.

    I was returning a hire car to Hertz and my wife was following to get me back home. She...
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  • Advice on having small debts written off while on sick


    this is my first post here

    currently i have 12 creditors and the balance on 8 of them are all under £150, with me being off work currently due to health reasons i was wondering if its worth writing to these creditors and asking if they will write the debts off due to...
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  • MustGetStraigh
    started a topic Mortgage advice.. changing jobs.

    Mortgage advice.. changing jobs.

    I did post earlier about remortgaging. But we decided to wait as interest rates were looking to drop.

    Dilemma. Can currently get a decent drop in monthly payments though current provider, very easily. No credit check so can sort online and have sorted within days.

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  • bobogosing
    started a topic Commercial agreement

    Commercial agreement


    Hope someone can give me advise or help me with a template for this problem.

    I am helping a friend to sort out a commercial coffee machine contract for her restaurant.

    What has happen is, my friend was approached by a rep that sells coffee beans and they provide...
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  • Tax credits firm Concentrix will not have contract renewed

    Tax credits firm Concentrix will not have contract renewed

    This is a duplicate of the Blog Entry made on: 15th September 2016 11:13
    Concentrix, the US firm accused of incorrectly withdrawing tax credits from hundreds of claimants, will not have its contract renewed, HMRC says.
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  • lowell portfolio ltd ( lowell solicitors ) v marling - Issued 22 August 2016

    Your AAD Forum Username


    Name of Claimant

    lowell portfolio ltd

    Name of Claimant's Solicitors

    lowell solicitors

    Claim Issue Date

    22 August 2016

    Who Signed the Claim Form?

    The Solicitor Firm (i.e. Joe Blogs
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