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  • 5corpio
    started a blog post Universal Credit expansion “a disaster waiting to happen”

    Universal Credit expansion “a disaster waiting to happen”

    Citizens Advice is warning that the expansion of Universal Credit is a disaster waiting to happen, as new findings show it is pushing people further into debt. Universal Credit merges six existing benefits into one, including tax credits, housing benefit and employment and support allowance. The charity...
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  • Ofgem proposes measures for debt recovery and consumer protection

    Energy regulator Ofgem has this week (July 3) proposed a series of measures to help vulnerable customers – including a price cap on the warrant of force-fitted prepayment meters. This proposal is one of many steps the regulator wants to take to ensure fairness across the market including the introduction...
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  • 5corpio
    started a blog post MAS calls for input on a new approach to debt advice

    MAS calls for input on a new approach to debt advice

    The Money Advice Service (MAS) has proposed a new approach to debt advice commissioning that will involve targeting priority groups within the over-indebted. A strategic approach to debt advice commissioning, sets out a new vision and direction for the way debt advice will be commissioned by MAS between...
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  • Interesting ready - What tally sticks tell us about how money works - as far back in the 1834's

    Not far from where I live is Oxford's Ashmolean Museum, home to art and antiquities from around the world. I often find myself slipping down the stairs to the money gallery in its grand basement. You can see coins from Rome, the Vikings, the Abbasid Caliphate and, closer to home, from medieval Oxfordshire...
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  • InvisibleMan
    started a topic hello!


    Just wanted to introduce myself. I joined the forum last June, but the illness and then bereavement of a very close family member took me offline for some time. I've been dipping in and out of the site more recently and have to say I find the approach and advice bang on the money, this is the site I...
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  • Start of my unenforceabilty journey

    So, in February I sent out CCA requests to all of our creditors. So far two have responded with copy agreements: Both are...

    Credit cards
    One commenced in 1994 and one in 2006 (my husbands)
    Mine has about £1700 (the 1994 one), husbands has about £7200
    Last full payments...
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  • marypoppins
    started a topic Mint - Wescot

    Mint - Wescot

    Hi everyone,

    I'm looking for anyone's experience with Wescot.

    Long story short - this is my husbands cc and had a balance of approx £9k and because we thought it enforceable (we used a different site at the time so it may be questionable!), he continued to pay an agreed monthly...
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    Last edited by marypoppins; 14 May 2017, 13:24.

  • Can creditors force a house sale to claim back their money

    Hi all, thanks for all the help you give.

    I have been on a DMP for 5 to 6 years now and want to go self managed and put my creditors on token payments until I have CCA's back (or not as the case may be). My only concern is that the creditors might choose to force me into selling my house...
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  • Notice of issue of warrant of control

    Hi Guys, hope your all well, I've not been around for a while as all my debts have gone thanks to you guys, but my misses has a court letter as per heading, just after some advice really where to go from here and will they agree paying in instalment's, what we don't want is for them to take the car...
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  • MisterK
    started a topic MisterK UE Diary

    MisterK UE Diary

    Here is my diary at last.

    (A little local difficulty getting the username agreed with MrsK, but everybody's happy now I'm pleased to say).

    About six years ago, in need of some help and well before I found AAD, I paid some money over to some CMC's to get "certificates of...
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    Last edited by MisterK; 30 April 2017, 09:04.



    So, held Recorder Bellamy in PRA Group (UK) Limited v Mayhew at Central London County Court on 22nd March 2017, at the end of a 3 day multi track...
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  • RhodriMawr
    started a topic UE Journey Begins

    UE Journey Begins

    After about 10 years with Step Change I have decided to go the UE route. Eleven creditors and 41k of debt!! I would be struggling to pay this back before retirement, I have diligently paid Through Step Change and sacrificied a lot, no holidays, no pension etc. CCA requests have been sent to all creditors...
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  • Let the fun commence - 6 year journey starts here!

    Hi guys and gals

    After a lot of researching and googling, i have decided to make nest on AAD

    I will list my debts soon, but to summarise i have 8 debts totalling around £35,000 (Eeeek!). It was £42,000 but i was diligently paying into a DMP via Stepchange for the last...
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  • Frosty873
    started a topic The start of a debt free life

    The start of a debt free life

    Hello all, just a little about me - my hubby and I have found ourselves in big debts altogether, and after browsing through this forum over the past few days (which has already turned out to be super helpful and supportive) we both made a decision yesterday to stop making payments in anticipation of...
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    Last edited by Frosty873; 8 May 2017, 11:13. Reason: Edited colour code

  • URGENT HELP PLEASE - Letter from Restons Solicitor

    Have been onthis forum for nearly 4 years. I have been quietly getting on with the unenforceable route with five different debts.Everything has gone well until today when I received this letter. I am unsure as to my response as I still have not received a proper signed original agreement from a CCA...
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    Last edited by Spud; 23 March 2017, 20:56. Reason: Delete letter with personal ID showing