To everyone here at CAG, I send festive greetings to you all. Whether you are here because of dealing with debt, a parking ticket, being taken to court for whatever reason or welfare related issues, you deserve some happiness when life gets you down. While the site team are off getting well and truly soiled, I want to impart some festive cheer on you all! Merry Christmas!

Seasons Greetings and a day off from Bailiffs, One MP is telling people that they can't call on Christmas Day, linked from Scoop (thanks for the findBarry) http://stevemccabe-mp.org.uk/node/821

I would like to wish all our Armed Forces, their Families and those who may be on Duty during this season wherever you may be that your courage, selflessness and sacrifice is not forgotten. I wish you all a Merry Christmas

Just a few products to show how you are being ripped off by this company. If you saved the money you are paying them you would save thousands APPLE iPad Pro 32GB WiFi space grey ML0F2 Pixmania.com - £ 682.80 with Free delivery. Brighthouse - £963.27 cash price - £1,768.00 credit price Sony 65" Full HD Android Smart TV Currys - £1,249.00 + trade in and get another £100 off so £1,149.00 with Free delivery Brighthouse - £1,727.01 cash price - £3,432.00 credit price Xbox One FIFA 16 & Gears of War Ultimate Bundle Smyths - Xbox One 500GB FIFA 16 Bundle £279.99 + Gears of War: Ultimate £14.99 Total cash price £294.98 Brighthouse - £793.03 cash price - £1,657.50 credit price So you can see it makes sense to not buy from Brighthouse but save up the payments and get it for a massive saving for cash elsewhere. Don't be ripped off this Christmas, have another look at the above prices, show your family and tell them if they wait a while they can have a free holiday in Cornwall or they can have an xbox and a laptop or practically anything they fancy.

Following an endowment maturity I tried to make a large overpayment to my C&G mortgage this week. I'm in the position where the mortgage is in base rate plus and non-fixed so figured a payment of £25,000 would take me close to almost completing my mortgage - certainly on taget to sort it over the next 2 years. I call C&G get given the bank account and sort code to pay into, go onto my online banking and get a can't pay using this method. Call C&G again get told I can go into branch and make the payment using my debit card... so off I go. Branch say I can't make that amount of payment using my debit card and I should go to my bank and get them to make the payment. Go to my bank they tell me the sort code 30-00-00 will not accept CHAP payments above £5k Call C&G explain the run-a-bout and they can take a payment over the phone by debit card until I tell them the amount... Oh. I ask if I can make separate payments of £5k and yes I can do that, if I do one per day. C&G's advice go take the cash from my bank and take it to their bank to pay it in... Welcome back to 1980!!! Should I wear a sign saying mug me too? So, seriously is their best advice to go pay my mortgage in cash? I asked about cheque payment and yes I can do that if I make it out to CASH and write my mortgage account number on it. Really!? I have to get through two factor security for online banking, security questions for phone banking, but to pay a large amount of money I must use two of the weakest methods of fund transfer! Not even funny.

Evening all I just wanted to pop on to wish you all a very Merry Xmas and a Happy New Year. I have found this site and the people I communicate with a very useful tool since I joined and I hope as well as getting valuable advice I have also helped a few people as well with my knowledge. As hard as we may find things, as infuriating as we find the government and welfare system, as annoyed as we have got with things going against us and feeling like it is all getting too much now is the time to sit back and enjoy tomorrow and the days after leading up to 2015. I won't pretend 2015 will be better than 2014 but let us all try and have a few days with family and friends and to enjoy it. Everyone deserves a good Xmas and I know I am thankful for the break but also understand some are not so fortunate. On that note, once again, thank you all for your help this year and I wish you and your families well over this Xmas period. All the best.

I would like to wish our Armed Forces especially those who may be separated from their families at this time of year and their Families a Merry Christmas.

What a wonderfully thoughtful present http://uknationalforums.com/showthread.php?1551-Merry-Christmas-from-Lucky-Strike-Cigarettes!-It-s-Toasted!&p=3696#post3696