Who is this solicitor in question matey? and what do they say? you dont have to scan the letter if you dont want to, just advise here of its contents? Does it contain stuff such as: 1) We MAY take you to court 2) We COULD reposses your house and mother 3) May send a DOOR COLLECTOR to you who will talk complete guff 4) We MAY reposses your dog, cat and goldfish Keep smiling, above trying to show you how they word letters, certain words normally missed, such as 'MAY' 'COULD' etc. Let us know and we can offer more answers

Hi Nick Thank you for your reply With regard to the BBC article I can appreciate that you cannot comment. As for the recent OFT reports in general... well I think they speak for themselves and in my opinion they are pretty damning and not easily dismissed as some appear to have attempted to do. The matter of mortgage lenders making direct refferals to debt solutions providers does not sit easy with me as it seems like a wheels within wheels type situation and in the interests of independent & impartial advice hardly inspiring. Surely it would be in the interests of the client / customer to obtain a second opinion at least, be it with a fee charger or the free sector. "I doubt whether there is any 'kickback' except that the debt solutions provider will also get some lender referrals where an IVA is the most suitable product" The above is also a little worrying given that I understand between 30 & 40% of IVAs fail or do not run their course often leaving the debtor paying fees only to end up back where they started. Just how many recognised High Street Mortgage lenders involve themselves in this type of practice or is it mainly the sub prime outfits? How 'excactly' do you arrive at your claims and figures of 93% ? I have heard and read this kind of figure quoted on many occasions over the years including at conferences and meetings but I have never seen a proper breakdown of how they are actually arrived at. Can you also elaborate further on your 'calculations' regarding the 2 months set up fee etc and how the average person with average debt levels is actually better off. Also where do you get your 70% figure from in relation to a typical free debt advice provider given that I think you previously mentioned that it is hard to be sure as they (most free providers) wont disclose this figure. I ask these type of questions as regrettably I continue to come across many people who have not in my opinion received full appropriate independent advice and have also been somewhat mislead in the process (again in my opinion)

Other people and myself have been threatened by sherfarce with libel action and my opinion is that truth is not libelous I have proof of fees that were incorrectly charged and of visits that did not take place and of levy's that were charged for and did not happen This was decided by a Master in the High Court Cag has nothing to fear Without the help of this forum I would have ended up taking it where the sun dont shine and thinking aah well they are Sheriffs and they are obviously right. Cag shows us the way to fight back and hopefully and other despot regime will topple from the little people fighting back