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acarpen9

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  1. Hello PlodderTom, and RenegadeImp, Thankyou for the replies Although 'historic' being 4 years ago or so, me and my girlfriend where already together at that point. The property and bills had all been in my name previously and still remain so now. My partner does still have the receipt of sale for the vehicle in her name, the V5 document which is in her name, and also the insurance policy, which again is soley in her name. I'm sure she would also be happy to get a 'Stat-Dec'? if this would help. Please could you advise if she should send documentation direct to Marstons, or try and deal directly with the officer. Or what steps should be taken next? Thankyou again.
  2. Hello all. I'm hoping you may be able to offer advice. I have had a letter posted at my home; a 'notice of seizure ' by a HCEO acting for Marstons Bailiffs. The debt is for a historic utility bill. The debt is in my name only. The seizure has been levied upon my girlfriends car. Her car is registered in her name, and insured in her name. I have never owned the vehicle. My girlfriend is getting worried and upset as she is reliant on her vehicle for her work. Can the officer remove this vehicle? He has stated that the registration documents etc mean nothing, and that as we live together and have done so long term it is a shared asset which I have access to. It has been some time since I last had to come here for help, but found you all very helpful and informative before at a time when I was in need of advice and support. Many thanks.
  3. Hello, we have received a letter from the Benefits and Credits Compliance arm of the Tax Credit Office. They are requesting receipts and invoices from our childcare provider for the past year. Unfortunately we do not have them nor have any way of getting them as the nursery has changed hands since our children left in September. The letter lists various nasties that will be heaped upon us for not submitting said documents, and also states that we may have to pay back any credits we have received. My issue is that we do not receive any credits for childcare due to our income. awards letters which we have for 2010-11; 2011-12; 2012-2013. all state the same thing. Working Tax Credit elements (other than childcare) Amount for period £0 Childcare element of Working Tax Credit; Amount for period £0 We did have our children in childcare, and we did keep the Tax Credits office informed on our yearly submissions, but we have paid the fees out of our own funds, as we receive nothing, And have not done in any of the previous years. We have spoken at length on the phone to the Compliance Operations unit, but they are still demanding receipts and invoices for something that has not been claimed for or paid for by them, which seems quite ridiculous. Has anyone else suffered similar?
  4. Hello all An update this morning.. After calling NRAM this morning and making next monthly instalment they have suspended their action against me. Not quite as plain sailing as it seems at first glance though. They where very reluctant to take my payment to clear the arrears earlier in the week, and seemed to be trying to discourage me from doing so. This morning when I made the monthly payment and again requested that they desist in their actions they seemed genuinely disappointed at having to do so. Thankyou to those of you who gave advice to me and gave me the little confidence boost to argue out my side with them.
  5. I've no wish to tempt fate by presuming safety at present though. Next planned contact would be this Friday AM when I would be making Decembers' payment. I'm not sure if I should persist in pressing them in the interim. The notice to apply for eviction was made on the 26th November, with a 14 day minimum period until enforcement. So I still have some days to play with at present. Do I hold tight and see what is said and done on Friday by N-RAM, or should I be making applications to the court for a hearing as early as possible? Thankyou again for your time reading and responding to my post.
  6. Thankyou for your replies. Yes Ellen I though too that if I brought up the account to date that it should suffice. I was actually surprised at the speed and viciousness of their action. On speaking to them to try and reach a resolution prior to this, they really seemed to have no intention on any sort of agreement, I could not / cannot reason with them. I feel as if they want me out regardless, particularly as they are still insistent on progressing the action. Current state of play is £0 arrears, November payment cleared. Outstanding balance of £43,000 with reasonable equity as property value is circa £80k
  7. ^^^^^ An addition to the above. The lender is not Northern Rock anymore, it is now NRAM. Apologies, I still confusingly refer to them under their former guise. Again, any advice or assistance is very gratefully received.
  8. Hello all, I have a Mortgage with Northern Rock, there are arrears on the mortgage although they are relatively low at £580. Due to a period of financial upheaval some 3 years ago, Norther Rock hold a suspended possession order on the property, and have now decided to activate it due to the above arrears. A notice of their application for an eviction order was sent to me today. I have phoned Northern Rock, and have managed to make the full payment of the outstanding arrears, and also pay this months mortgage payment, which means I am up to date with my account. But after spending an age on hold whilst the call handler spoke to her supervisor I was told that the eviction would still be requested. Please please can anyone help with advice? Is there any way I can prevent losing my home? There appears to be no hearing I can attend at court as the request by Northern Rock is to activate a dormant prior ruling. I really have no idea who I can turn to now. Thankyou
  9. Article 10, Freedom of Expression of the Human Rights Act 1998, which is a qualified right, states everyone has the right of freedom of expression. This right shall include freedom to hold opinions and to receive and impart information and ideas without interference by public authority and regardless of frontiers. This guarantees the right to pass information to other people and to receive information that other people want to give to you. It also guarantees the right to hold and express opinions and ideas. It is unlawful for a public authority to act in a way which is incompatible with a "Convention Right". A person who claims that a public authority has acted (or proposes to act) in a way which is unlawful under the Human Rights Act 1998 may, if he or she is (or would be) a victim of the unlawful act either: bring proceedings in any appropriate court or tribunal against the authority under the Human Rights Act 1998; or rely on the Convention right concerned in any legal proceedings. How does the above work in relation to it? The way I read it, I am allowed freedom of expression as a fundamental human right.
  10. Hi all, I've been 'invited' to attend an investigatory interview over an allegation of wrongdoing, along with other colleagues. I have been told that I am not allowed to speak of the matter, or speak to any of my colleagues regarding this or there will be 'implications'. Are my employers allowed to restrict my speech? I'm close to my colleagues both inside and outside of work, its kind of bizzarre all being under investigation, and knowing that each other is, but not being able to talk about it.
  11. Hi, I've tried to set up a payment to philips to get them off my back. But they have a number of ghost accs/charges which bring the total to double what is due. Please see attached, note that 2 distress warrant charges are for the same debt. first expired, now renewed. philips.pdf
  12. having a vehicle on the road (driving) carries only a penalty of £65. there is no licence endorsement applicable.
  13. Don't forget 2 pairs of glasses too if you wear them!! requisite to have 2 pairs with you when driving there
  14. Hi there, i might be able to help. What van have you got? make model, year? And a brief description of the problem / history of it. Might not be good with bailiffs, but I'm fine with the spanners, I'm a mod' on the ford transit owners site andy
  15. Can anyone advise please on my problem. I have Philips attending with a distress warrant for an unpaid magistrates fine. There is no issue over the actual fine, It is owed, but unpaid due to financial constraints. Issues are that, on the documents they have sent they make no reference to the date of the distress warrant. I recall the initial notification of a distress warrant was over 6 months ago. Where and how do I view or find a copy of this? Also, the belongings at the property I am at are wholly my partners. I also reside partly at my parents and have only limited belongings there too. Can I/They prevent goods being taken that are not mine? Is there a form or declaration notice that can be made? Many thanks Andy
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