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  • 5corpio
    started a blog post UK's 'no-deal' Brexit plans warn of credit card fees

    UK's 'no-deal' Brexit plans warn of credit card fees

    Brexit Secretary Dominic Raab has set out what he called "practical and proportionate" advice in case the UK leaves the EU without a deal. The guidance includes instructions for businesses who could face extra paperwork at borders and contingency plans to avoid medicine shortages. Britons...
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  • 5corpio
    started a blog post Employment tribunal fees unlawful, Supreme Court rules

    Employment tribunal fees unlawful, Supreme Court rules

    Fees for those bringing employment tribunal claims have been ruled unlawful, and the government will now have to repay up to £32m to claimants. The government introduced fees of up to £1,200 in 2013 to reduce the number of malicious and weak cases, but that led to a 79% reduction over three years....
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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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  • shaun196809
    started a topic Link Financial

    Link Financial

    Hi there,

    Have an outstanding debt of £4k with Link Financials.

    I requested a copy of my credit agreement on the 24th April and they responded on the 27th April to state that they didn't hold the information but would request from Barclaycard. They stated that this could...
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  • Cabot Financial (UK) Ltd (Mortimer Clarke Solicitors) v Smallpaws

    Your AAD Forum Username


    Name of Claimant

    Cabot Financial (UK) Limited
    1 Kings Hill Avenue
    West Malling

    Name of Claimant's Solicitors

    Mortimer Clarke Solicitors Ltd
    16-22 Grafton Road, Worthing
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  • alfie
    started a topic Remortgage Equity Release

    Remortgage Equity Release

    Good evening.
    My query is if anyone knows off hand about remortgaging an existing equity release which provided an initial lump sum then a monthly payment. The sticking point is that it appears that the monthly payment cannot be stopped unless the whole existing amount is redeemed. The wish...
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  • pipsaholic
    started a topic Bailiff Visit

    Bailiff Visit

    Hi Guys,

    Need some guidance here. I sent 3 repeated letters Lloyds asking for proof of debt/original contract/claim against me/original credit agreement) have now passed it over to Fidelite DCA and rather than sending me several letters like others demanding payment they are going to pay...
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  • scottygees
    started a topic CCA


    So after months of deliberation I have decided to go down this route. I have debts both pre and post 2007 that are still outstanding. Is it worth sending off for post 2007 agreements as I get the impression these are exempt. Also do I send to the original lender or to the DCA? Any advice, including...
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  • andi2003uk
    started a topic Lending Stream / PRA Group

    Lending Stream / PRA Group

    Hi all, I'm on a quest to clean up my Experian report and have two entries for the same debt which I need some advice with.
    They are Lending Stream & PRA Group.

    The entries read as follows:

    Lending Stream:
    Account Started: 28/01/2011; Default Balance: £788;...
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  • Moorcroft and Wescot are not the DP

    Five of my accounts are with Moorcroft and another two with Wescot. I sent CCA request letters for all of them recently and have received replies which in all cases say .... "in line with our client's procedure you are required to contact our client directly..." or .. "we are not the...
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  • Carley
    started a topic CCJ - Cabot Financial/Restons Solicitors

    CCJ - Cabot Financial/Restons Solicitors


    This morning in the post I received a court judgement dated 27th January 2017 for the sum of £336.63 plus £107.00 costs (£443.63). The claimant is Cabot Financial (UK) Ltd with the payment address being Restons Solicitors. I have checked back and believe this to be an old debt from...
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  • mikethebike42
    started a topic fidèlité card!

    fidèlité card!

    Well I came home today and my sister said a man left you this envelope was trying to demand your mobile number! .

    In the envelope was a card from fidèlitè credit management saying I have to call to discuss my account.I have no idea who these people are!.

    I did have a...
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  • Help with Default and loan agreement

    Hi everyone, I hope someone can help.

    A few years ago (2013) I took out a business loan through one of the UK's Start Up Loan delivery partners; long story short the biz didn't go to plan, so had to revenue to pay back the loan (which was £6,000).

    Anyway, I recieved a default...
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  • daisy
    started a topic CCJ from 2005

    CCJ from 2005

    I have an old CCJ from 2005 for a store card which I have been paying £10 a month for, however, I will quite soon be moving and will have no employment or assets for them to consider chasing.

    My question is, can I simply tell them to go forth? as I feel that I've more than repaid what...
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  • pipsaholic
    started a topic Credit Card Agreement

    Credit Card Agreement

    I asked for an original credit card agreement from my creditors only 1 company responded, which looked like a photocopy which someone in their bedroom and cheap printer has made up.

    Question is when you sign up for credit is their a proper credit agreement like an original not photocopy...
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