thanks scott, pc froze and i couldnt delete the other one

thats the thing though. At £10 a week, with the current £67 per month gas charge is £110 per month PLUS the electricty at £60.. There is no way i can afford to do that and keep up with everything else. Sometimes i just feel like letting the mortgage lender reposess the house, and telling everyone else hounding us to bolt.

Hi folks, wee bit of advice needed if possible. Short version of the story is that my HBOS bank account was hacked several times and as a result various DD' were cancelled. One was EDF, which the bank cancelled in error as they should have cancelled Npower (Homecare). anyway, i wasnt aware that this happened and we then switched banks to Barclays who did a DD transfer. Last week a lad from EDF turned up at the house and put a card thru saying phn him in 24 hours or they will get a warrent to force entry and install a pre-payment meter, Even tho the gas meter is outside. My wife was at home with the baby (wife suffers from PTSD and post natal depression, as our little girl was born at 27 weeks, and had a lot of probs in hospital). she called me and I called him back. he stated he was sent by EDF, and needed in the house to get a reading so they can decide what action to take. I advised the meter was outside in the cupboard. He went back and took a reading then called me back with these options: 1. Pay £329.47 today and everything will be fine 2. agree to a pre-payment meter being installed (at no charge) and they will take the debt back from that 3. do neither and EDF will get a warrent to install it anyways Now, I cannot afford to pay in full, so my only option is a pre-payment meter. He called the office and got an instalation date of 31st August for this. We will have to pay bak £10 PER WEEK plus any gas we use. This will be approx £90 per month, which at this stage I cannot afford. I advised of this, ran thru all my figures (I pay £450 per month for diesel for the car) and his response was " well you either agree to the £10, or we will just take that anyway as its all done by bluetooth to the meter" HELP. can anything be done to force EDF to accept a lower repayment on the debt? Thanks in advance for any advice

Hi guys, can you give me some advice for a friend. she has put a post on a pregnancy forum, and i said i would copy it here "Hi everyone just thought i'd share my story with you. Since i told work that i am pregnant i have noticed that their attitude has changed i had a miscarriage last time so this pregnancy i am very wary. I work in a small office and i booked an early scan to reassure myself when i told work of this i got told that it was a terrible inconvenience as my manager was going away. I had the scan and all was fine then as all of us do i have sickness and the supervisor told me that they don't need it as a company as i am going to be tired and sick all of the time which i told her was just a phase. She said she is not telling me to leave but maybe i should cut down my days. After that last week i had the Friday off as i had pains and went to the hospital and when i went back on the Monday i got old i cannot go back until i have a medical certificate for one day" THEN "Hi everyone just got in from work and it's gotten worse i received a letter today from them saying they need to review my contract as they have some concerns with my performance. It says that my probationary period was extended although i was not aware of this untill today. I had no letters and no meeting previously about my performance or probation extension" It says and i quote "i must advise that the possible outcome of this is termination of employment" I know their only trying to get rid of me because i am pregnant and will need time off and they are going to blame it on my probationary period. THEN TODAY I went in yesterday and got the sack great present for christmas dont u think, He got the supervisor to do it didnt even have the balls to do it himself. They said its only based on my performance but he only went funny since i told him i got pregnant. I've got 3 months to take it to a tribuneral x >>>>>>>>>>>> Can anyone offer advice on what her next steps are. She had a miscarriage previously and can do without the stress of this shocking situation Thanks in advance for all your advice and help

just had 3 fillings at my "formally NHS" dentist, although we were never informed that he had changed to Non NHS,.... just had open wallet surgery @ £217...

that doesnt apply to me anyway as this is council tax

thats what it says on direct.gov.uk website. its all new to me, but glad iv got all the knowledge on this forum...

I have emailed them today saying the following: Dear Sirs, I have today returned home, and on checking my voicemail I have a message from someone at your company, asking me to contact you but they have not given any reference number or indication of what this in relation to. I have, before emailing, researched your company, and I can only assume that this in relation to an old council tax account. If this is the case, I have already set a direct debit up with my new local authority for the current years liability, and have enquired how to pay the arrears as my previous local authority no longer exists.I already had an existing arrangement in place with the previous local authority for this debt, which is being paid at £140 per month via the old card. On paperwork from my new local authority, they state that all old council tax cards are no longer vaild. I have email to enquire how i pay the arrears. I am awaiting a response from the new local authority. Please note that, on advice from my solicitor and from other sources i have been advised of what rights your company has, and also what rights I have. The information from the Governments own website states that: What bailiffs can and can't do If bailiffs come to your home, you don't have to let them in. They can't force their way in on their visit, but they can enter through an open window, or an unlocked door. Forced entry includes pushing past you once you have opened the door to them or leaving their foot in the door to prevent you closing it. Such action would make the whole process illegal. Bailiffs trying to recover money you owe to HMRC are allowed to break into your home, providing they have a magistrates' warrant. Bailiffs recovering unpaid magistrates' court fines, however, do have the power to force entry. As you are not claiming money from HMRC or court fines please note that I will not be allowing entry and or discussing this on the doorstep. Please also note that my wife suffers from bi-polar disorder, and any form of stress placed on her will be seen as harassment and I will not hesitate to pursue this to the full extent of the law. The telephone number you called was ***** *** ***. Please do not call this number again as this is a private telephone for personal use only. Unwanted calls will not be answered. Please only communicate in writing. Regards JD Hope this is ok, not too cheeky etc. Im not fussed if the try and take the car... its not mine, its a lease car from work

Hi all, Arrived home today and there was a message on the home phone (ex-directory) from this shower with an urgent message for Mr ~ ****** to call their number (no account number left). Any advice on what i should day on the phone (or if i should phone at all) Cheers in advance JD

what if you dont have a doorstep? what if you house has been converted for a wheelchair and its a ramp? should i try and buy a doorstep of ebay incase they come, so they dont feel they have had a wasted trip?

i dont have a debt with mack hall, but want to play slap the DCA. It seems so much fun...

Hi, Need a bit of advice.... Bit of a long story, but i'll be brief. Had a debt to the uni for something that i was unable to pay in full. I set a payment arrangement with their recovery agents, and this was being paid every month by standing order. I then got a letter from their Sols, saying that i had defaulted and they were starting court proceedings to recover the full amount. I called the recovery agents as i was still paying the standing order. They advised that they had sent a letter (to an address i left 2 years previously) requesting an increase on my payments. I advised that no letter had been received and that I can happily increase the payments. This was done and i was told to ignore the sols letter, they would contact them and advise. Needless to say, nothing was done, and i got a letter from the court to say that a CCJ had been granted. Still making the payments at this time, but now Andrew Wilson & co are involved, saying that if i do not pay the agreed figure of £55 (i offered this in NOvember when they first turned up) they will remove the car (i need this as part of my job) . Since then i have had 2 letters from the company i actually owe the money to. 1st one saying that i need to pay teh agreed figure that was set in February, and the 2nd letter saying that i need to discuss a revised payment plan. Andrew wilson are still saying to pay them, and the original company (to whom teh debt is owed is saying to pay them, not the baliffs). A) what do I do about the threat to take my car B) what rights do I have because i need my car as part of my employment C) What happens when I get a lease car through my employers? Can the take that as well? D) who should I pay? Thanks for all help and advice, need to act quick to sort this out.

Hi, Just spent a good few hours reading through sugerbabes thread. I got a letter from Go Debt this morning saying they wanted to declare me bankrupt for a debt they have bought over from Yes Car Credit. The account was opened in 2003, and they took the car back in Jan 05. this is teh 1st contact I have had from anyone since then. I have spoken to Go debt and they have offered a settlememt of £2k on the balance of £3.9k, but the want it by 31/12/08. there is not a cat in hells chance of me getting that sort of cash. The letter states that an OR would be appointed and my house sold. I jointly own the house with my wife, and the mortgage and sec loan combined is £134k, with the house value at approx £127. I am very very stressed that I am going to loose my home. I spoke to someone from the national debt line and they advised me to send a CCA letter, which I have done. Can anyone offer any further advice? When the car was taken back I asked the collection agent if i needed to do anything else. He said no, thats you done, all finished, sign here please. How can they surface out of the blue like this after 4 years. also i asked Go debt if can could make an arrangement, the

Hi, Just spent a good few hours reading through this thread. I got a letter from Do Debt this morning saying they wanted to declare me bankrupt for a debt they have bought over from Yes Car Credit. The account was opened in 2003, and they took the car back in Jan 05. this is teh 1st contact I have had from anyone since then. I have spoken to Go debt and they have offered a settlememt of £2k on the balance of £3.9k, but the want it by 31/12/08. there is not a cat in hells chance of me getting that sort of cash. The letter states that an OR would be appointed and my house sold. I jointly own the house with my wife, and the mortgage and sec loan combined is £134k, with the house value at approx £127. I am very very stressed that I am going to loose my home. I spoke to someone from the national debt line and they advised me to send a CCA letter, which I have done. Can anyone offer any further advice? When the car was taken back I asked the collection agent if i needed to do anything else. He said no, thats you done, all finished, sign here please. How can they surface out of the blue like this after 4 years. also i asked Go debt if can could make an arrangement, the refused.. HELP !!!!

Hi, Need help & advice please. Had serious money troubles last couple of years and thankfully getting things sorted now. However, had problems with council tax as our landlord screwed us from our last property (he said the rent was inclucing council tax) but it wasnt... We have made a few arrangements with the council (English council) but these have been defaulted on. We received a letter from the council telling us that they were applying for a Liability order and that it was due in court on the 14th July. This letter came through on 12th July. I emailed them and requested that they deduct via my earnings (I work for another local authority). Today a letter is through from them and it states: " With reference to the above and your recent communication. For your information a LIability order was obtained at the court on monday 14th July 2008 for the current years charge, which will be sent to you in due course. As you have not adhered to any arrangement you have made I will now refer all debts to the councils baliff whom i will instruct to instigate committal proceedings against you" HELP !!! what does committal proceedings mean? Any and all help would be great. Getting very stressed and trying not to as im only recently back at work after being off for 4 months with stress. Thanks JD