Hi All, I have a credit card with Capital on Tap, which was a business credit card, but I shut down the cLtd company in November 2024, but apparently I agreed to take personal liability for the debt when I signed up apparently, anyway to assist me deal with the card debt, I have been asking them since July this year if they could freeze interest and move the payment date to the 1st of each month as that is when invoices tend to be paid, all they want to do is phone you to discuss, I do not want to speak to them on the phone as I have no proof of what was discussed, I asked that the matter is dealt with via email, they just ignore my request, I took the matter up with the FCA, waste of time that was they sided with capital on tap, anyway their latest method of contact is via message, now I thought at least this is in writing, so when i first made contact via this message and the usual what is your full name, address and DOB for security apparently 🙄 their first message was "I see the account is in arrears, can you make a payment today, this pissed me off, I thought here I am reaching out for assistance and straight away all they care about is me giving them money, I let them know my thoughts, without been rude or abusive, any way, when i asked about freezing the interest and moving the date, they came back with to look into this we need to to complete an income and expenditure form, now I read somewhere that it is not advisable to do this as you are falling into their trap, so I am not sure whether to do it or not, I need them to freeze the interest to allow me to get on top of things, but I don't want to disadvantage myself, what do you guys advise I should do Thanks in advance for any advice

Hi All, I am wondering if the latest Government changes to Data (Use and Access) Act 2025: data protection and privacy changes, will have any impact on claims we are making https://www.gov.uk/guidance/data-use-and-access-act-2025-data-protection-and-privacy-changes

Hi all, it's been a while since I have posted on here, I put update as the title but actually there is no update, since mediation on 2nd June 2025, I have heard nothing, no court date and no contact from Link Financial Outsourcing, it has gone very quiet.

Does anyone else's supermarket have one of these parked right outside the entrance to the store, and is here frequently, I'm getting fed up with been constantly watched every where I go, it's like we are all treated like criminals now, apart from the criminals, who often walk in to Greggs in the high street, take what they want and walk out without paying and no one does anything, but at Morrisons we've all got to be watched inside and outside of their store,

In the attached witness statement, (being used in a live case today) you'll notice the term “assignment instrument” used instead of “Deed of Assignment.” This is deliberate — and powerful. Too often, arguments spiral into whether a deed is technically required under s.136 LOPA 1925. But Frischmann [2023] EWHC 2698 (Ch) settled the real issue: if the claimant is asserting legal title, they must prove it with a valid instrument of assignment — signed by the assignor, absolute, and admissible in court. By using the term “instrument,” we close every escape route: ✅ If it was a deed — then where is the executed, unredacted copy? ✅ If it’s an absolute assignment in writing — then it still needs to comply with s.136. ✅ If it’s neither — the claim collapses for lack of title. This language shifts the burden back where it belongs — on the DCA — and prevents us getting bogged down in irrelevant side debates. Let’s keep our focus: litigation, not pedantry.Frischmann is the precedent. The burden is on the claimant. We demand evidence.