The Wizard of Oz, what is the Yellow Brick Road said to symbolise? A) Happiness B) Blind obedience C) The gold standard D) Just a nice road to walk on

Hi everyone, we had our last PGM of 2025 tonight, wow that year went fast eh? But the entire years worth of PGMs is in the recorded meetings classroom for 2025, we will open a new classroom for the PGMs for 2026 The next meetings will be on 6th January 2026 at 7.30pm for Affiliate Marketing and Thursday 8th for PGM as normal. These will all be up in the calendar section. Thank you for all of the support and sharing from you all over the last year. Looking forward to sharing 2026s ups and downs with you all too. Take care Peter & Janine

Ali Bee 2h • General discussion GOOD NEWS - another win @Ali Bee BW Legal have given up and sent a Notice of discontinuance to Court. Briefly - we found out about a CCJ, which we knew nothing about, when my daughter had her mortgage application refused because of it. That was in April this year. It's taken 7 months to get these barstewards to discontinue. We filed an N244 to have the CCJ set aside (which it was - Judge accepted we knew nothing about it), then filed our Defence which included an application to strike out. We sent SAR requests to everyone in the 'chain' - the original court (Northampton of course), SSE, OVO Energy, JCIA (rabid foreign owned 'debt' buyers), CreditLink (who seem to act in the UK for JCIA) and BW Legal (using their FCA accreditation to pursue a foreign owned 'debt'). Everyone got at least 2 x SAR's. The only one's to reply to our SAR were OVO Energy who basically said we've got no record of you and never supplied you - YET apparently JCIA had 'bought' this non existent 'debt' from OVO 🤔 We let BW Legal know this but still they ploughed on. All the while sending out their threatening 'pay us or else' letters. BW Legal replied to defence with a load of 💩 and we replied with a Supplemental witness statement in support of our strike out request, and then we received their Notice of discontinuance. Not sure what happens from here as this is our N244 application to CC. The original order was 'save as to costs', so hopefully we get costs back, but the fact that it had to go this far for a 'debt' that never existed is totally unacceptable. The stress, worry, hundreds of hours spent doing the research, paperwork etc is obscene and particularly so under the circumstances. I have to give a HUGE MASSIVE THANK YOU to @Peter Wilson

From an email i received this week from a man: alan; He does spend the first few sentences apologizing for the delay in telling me lol 🤣 The other reason for sending you this message :peter. is to say thank you very much for all your help so far. You have another success on your hands. 👍😃 On Monday just gone, 3rd February 2025 at Preston County Court, my "Defence" against "TM Legal Services Limited" and "Perch Capital Limited" for an alleged "debt" originating from "a failure to make payments for an AA Credit Card" was successful and the Judge did dismiss the case. Following your Zoom training course on 15th December 2024 (i think), i did squeeze one last SAR to "Perch Capital Limited" and when the (surprisingly quite prompt) reply was received ignoring my request (again) for a copy of the Deed of Assignment i did send the follow-up, which did result with a reply right at the last minute quoting the usual "it contains sensitive information" and refusal to provide a copy of the Deed of Assignment because "we don't need to". i was able to include this information in my bundle of documents. The Judge did seem a decent fella and held that we do require evidence of the Deed of Assignment. They tried citing the original account number as evidence on the balance of probabilities that the assignment had actually taken place. 😂 i also did discuss with the Judge that although the claimant was not obliged to provide the Deed of Assignment under the "Law of Property Act 1925", i am entitled to see a copy of my personal data under "GDPR" contained on that document, the Deed of Assignment. i either forgot about this over the time that has passed, or did not even research this aspect and completely overlooked it until you talked about it on your training event :peter: so i do thank you again.

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 🙏