I'm happy to do this - but will it put a stop to them seeking a court order to put the pre payment in?

As far as I can remember, so far only Resolve Call have stated in writing. Shell told me it was the only option today in a phone call and have suggested it before in emails and post. I was waiting to see what StepChange would recommend. I am able to commence payments at the £170 level today.

Hi I had an account with NPower up until they were bought out by Shell Energy last year. I had a considerable debt (£5000 with them but had a payment plan in place of £170 per week. When the takeover happened, Shell Energy demanded the entire amount, which clearly, I was unable to pay. This was last July and I have been in a fight with them ever since trying to reinstate the £170 per month DD. In December they advised me that I should approach StepChange, which I did. They recommended a monthly repayment plan of £160. I forwarded the details to Shell Energy, as requested by them. Subsequently, I have received a visit from their heavies at Resolve Call (who then told me that the account had been handed back to Shell) and now am being told that my "only" option is to have a pre payment fitted and that they will apply to the court if I don't agree. Any suggestions?

At the time of the accident he was insured (he pays monthly) but he had changed his number plate and the insurance company are saying this invalidated his cover - even though they were still taking his money. There are two defendants on the Claim Form - him and Motor Insurers Bureau.

Hi My son in law has received a claim form from Northampton County Court for damages arising out of a road traffic accident. He disputes that the impact could possibly have resulted in any injuries and he offered to pay for the damage to the claimant's car himself at the time of the accident. The served documents are extremely complex and he (and my daughter - who has just had her first baby) is confused over what is his best course of action. Any advice would be gratefully received. Thanks

So, the situation is this: She is currently in receipt of ESA and PIP due to an ongoing mental health problem. Her partner is also receiving ESA due to a chronic back condition. They formally lived in a postcode that hasn't migrated to UC yet but last week they moved to a new rental property that is in a postcode that does. We are aware that she needs to let DWP know about change in circumstances and we assume that this will prompt a change to UC. She is wexpecting a baby in early/mid September and is frightened of the stress of not having any income while the UC is processed. Does anyone know if she HAS to inform them at this point or can she delay it. My understanding is that non UC postcodes are operating a system where they contact claimants when the application is needed. It feels harsh that just because she's moved that the process will be spedded up. SHe has no problem with migrating to UC but wants to know if it can be pushed back beyond the delivery date?

Hi everyone. I have used the forums before and received excellent, logical advice that have really helped me. Does anyone know if a similar forum exists for information/advice on Benefits? My daughter and her partner need to move on to Universal credit and need some real inside knowledge. Would be eternally grateful. Cheers Mike

NPower are saying that they couldn't give a reading when she moved in. Is there an ombudsman? If she ignores the DCA and they turn up what should she do?

Daughter moved into a converted chapel with a really confusing electrical metering system with lots of different suppliers using antiquated kit for several different customers. She has managed to run up a bill of (currently) 1634.24 - although we are convinced this is not the correct amount but nobody in NPower has helped with that. It looks to me that Hannah has inherited some debt from the previous tenant. They are chasing her for a payment plan - she is unemployed on ESA and Incapacity benefit We agreed a plan and they said they would approach the ESA for a direct payment (something they call Fuel Direct) of £138 per month to clear the debt and include the ongoing fuel costs. Now this company Arvato have sent a letter saying they want to visit on NPower's behalf (I suspect this is not the case as I assume they have bought the debt) If no contact is made they are saying they will turn up next week. This stinks of a shakedown to me.

Does anyone know anything about these people Arvato? They are "offering" to come out to visit my daughter over her NPower debt. They are making it sound like a "helpful" service but i suspect they will strong arm her. PLEASE ADVISE

Hello All Advantis are chasing me and my wife for £3433.13 for an overpayment of tax credits. I was made bankrupt three years ago and I'm pretty sure the overpayment to which they are referring was from before that time. If the debt was before the bankruptcy (which was initiated by the HMRC on a separate matter) shouldn't it have been included in the bankruptcy petition? My wife is named separately on the account so I would figure that even before we disputed the amount it should only be for her share and not mine if mine was cleared with the bankruptcy. Also, what is Advantis' role in this? They claim to have been sent the account by HMRC but will not confirm whether or not they purchased the debt. They are also claiming that they can only send me any paperwork they have on me if I request it in writing and pay them £10.00 for it. Any views would be very welcome. Cheers Mike

Hi I have an old debt from a previous address - I'm not really querying the debt but there are some interesting and challenging and frustrating issues around it. I contacted my LA in the summer to clear off all my outstanding council tax debts. I had come into some money and wanted to end the saga. I asked them to give me a figure for all the outstanding debts. They gave me one amount which I paid. Subsequently my wife - same address - received a set of letters asking for payment of another amount. Now, I was amiss to not challenge this at the time but I genuinely thought it was an oversight as I had asked for all amounts to be included when I paid in the summer. Turns out my wife's is a separate amount that they would not have included at the time of the large payment because of the Data Protection act. This amount has now gone to Bristow and Sutor. I called the LA and asked them to repatriate the debt internally in order to avoid BS costs and they refused to do so. I complained that as I had acted in good faith towards them in the summer by clearing all outstanding debts it would be reasonable for them to do the same for me now. It fell on deaf ears. More to the point Bristow and Sutor were demanding £54 weekly to clear their debt (now compounded to £650 from the original £570 owed to the LA). I told them I can't afford that amount and they eventually reduced the weekly amount to £36. I can't really afford this either but the BS rep told me I had no right to a minimum payment as the debt was legally enforceable. Is there anything I can do? Mike. Thanks

Hi I have an old debt from a previous address - I'm not really querying the debt but there are some interesting and challenging and frustrating issues around it. I contacted my LA in the summer to clear off all my outstanding council tax debts. I had come into some money and wanted to end the saga. I asked them to give me a figure for all the outstanding debts. They gave me one amount which I paid. Subsequently my wife - same address - received a set of letters asking for payment of another amount. Now, I was amiss to not challenge this at the time but I genuinely thought it was an oversight as I had asked for all amounts to be included when I paid in the summer. Turns out my wife's is a separate amount that they would not have included at the time of the large payment because of the Data Protection act. This amount has now gone to Bristow and Sutor. I called the LA and asked them to repatriate the debt internally in order to avoid BS costs and they refused to do so. I complained that as I had acted in good faith towards them in the summer by clearing all outstanding debts it would be reasonable for them to do the same for me now. It fell on deaf ears. More to the point Bristow and Sutor were demanding £54 weekly to clear their debt (now compounded to £650 from the original £570 owed to the LA). I told them I can't afford that amount and they eventually reduced the weekly amount to £36. I can't really afford this either but the BS rep told me I had no right to a minimum payment as the debt was legally enforceable. Is there anything I can do? Mike. Thanks

I've dome that but what happens if they don't or do reply?

being a bit thick but what is advantage of CCA request?