Huge thank you to @Peter Wilson for the help needed to fight these parasites 🙏 Well yesterday was the final hearing on my Barclays debt which pra group bought my personal information. I was lucky to have pra help my case by not adhering to a court order of supplying the deed of assignment they said previously they had They were supposed to send a copy to myself by the 26th nov but nothing turned up They tried to give me a copy just before the hearing which I basically told her to shove it where the sun doesn’t shine. Regret that now as I wish I’d of seen all the bullshit they put together which the judge noticed didn’t even have my name on any of it just an amount and an account number amongst quite a few pages basically telling the judge to join all the dots ! He turned to me and said it looks like you’re going to have an easy afternoon mr sibson which made my day ! Peter had fantastically put together a fee schedule which pra solicitor challenged but the judge added another days rate to it and increased it from £325 to £410 costs, she tried to ask for 28 days to pay which he actually laughed at and said no you have 14 days to pay him so a great win. I held the door for her on the way out and said lovely to meet you which I’m pretty sure she knew I was taking the piss !! Stand up and fight everyone, it’s not an easy ride but you have to do it ! Thanks everyone for all your support too, a fantastic community ❤️ Cheers Gary 😎

Lucky me, I have PRA Grp after me for my Lloyds CC, I also have Wescott and Moorcroft for 2 others. My partner went to court 3 weeks ago with PRA but they never showed even though they were the claimant and had done everything as if they would. Need to follow up next steps to get rid of them for good and credit score set straight. Just wondered if you know why Llloyds are saying it is sold to PRA Grp Portfolios but they are instructing PRA Grp to manage the account, what is the reasoning?? Last time PRA switched to PRA Portfolios midway and were trying to pass that paperwork off as the deed in their bundle.

Well I feel I had a great day in county court today vs pra group, they were adamant that they only needed a notice of assignment, I was adamant they needed a legally executed deed of assignment, the judge sided with me and they have 28 days to send myself and the court a redacted one and they have to bring an un redacted one for him to see at the final hearing. Massive thank you @Peter Wilson for your slide show and video ‘can you beat debt collectors in court’ it seems to have worked. Just need to brush up on legally executed so I can challenge a spread sheet !

Hi all A little off the usual topics, but there is a lot of knowledge in this group, so i thought i'd run this one by you 😊 My wife, currently in the peri-menopause phase, has recently decided to go on to HRT for a few reasons. The main one is about bone density as her mother suffers very badly with osteoporosis, my wife has done quite a lot of research and all indicators suggest that HRT will help with that. As a family we do a lot to look after ourselves, exercise (yoga, strength training with weights and body weight, walking), we don't eat meat but have a very well balanced diet otherwise, fasting, breath-work (think Wim Hoff). My wife just turned fifty ... seriously she looks forty ❤️ , she hasn't been to the Dr's for over a decade. I can't help the nagging feeling i have about her taking pharmaceutical products, even though all her research suggest the HRT will only help her 🤷‍♂️ I'd welcome any views or links to different perspectives, thanks 🙏

Hi all, can myself and my partner (not married) both be settlors in a trust? I want a private trust for both our assets but not both of us are named on the mortgage/cars etc. Can I just put us both in as settlors/trustees/benificeries with all our assets....... all our assets, like we have much... hahaha - Using the same docs that are in the private trust classroom.