Hi Guest & welcome to the AAD Consumer Forum.
AAD Consumer Forum is a FREE consumer debt and legal forum offering help, support and debate in many areas of day-to-day life. Our team, experts and members are volunteers and give information and support without liability. If in doubt you should always seek professional advice. If this is your first visit, be sure to check out our Forum Rules & Guidelines. You will need to Register a Free Account before you can join in with the discussion and contribute with replies or your own posts.