Hello, Some great advice from my fellow team compadres has been posted up. If you've taken time to read through the site you'll see that we have scores and scores of people having significant dificulties with MMF. Quite frankly, they are the worst DCA I have ever had the misfortune to come across - and I work in the industry. When dealing with any creditor it is important to offer what you can realistically afford, this could be as low as a pound per month. If you were to try and negotiate payment you should always submit a financial statement to reinforce the fact that your offer is fair. If you have a number of debts then Citizen B's

ok, suggested letter to PCF, address to compliance manager, head with agreement no, car reg and FORMAL COMPLAINT send recorded delivery----- I write in response to the Data Subject Access Request (DSAR), reference the above account, that you have supplied to myself, which was received on xx/xx/xx. I have now thoroughly examined the contents of the DSAR, the result of which has given rise to a matter of grave concern. As you are well aware you repossessed my vehicle, registration number...........,on May 22nd 2009 from my father's private property. You will of course be familiar with Section90, Consumer Credit Act

I have asked someone on the site team to look in and advise - please be aware that they are volunteers and most have day jobs so it might not be until later today that you receive a response. In the meantime, can you please advise if all interest has ceased on the PDLs ? Do you know if there have been any default/penalty charges applied ? What is the total of debt you owe to ALL your creditors ? If under £15,000 in total it might be in your interest to enter a Debt Relief Order - if you have no significant assets, then you would most likely be debt free within the year. Have a word with National Debtline - deta

If they want some money then they have to produce some evidence of a breach or evidence of the formation of a contract. their sign doesnt really do either. By staying more than 90 minutes tou agree to pay £100..... To whom? A counterargument is that you did pay £100 to your spouse as it didint specify who should be given the money. write to them stating that you wish to appeal as the signage is too ambiguous to form a contract-dont say why, that is their priblem if they hope to get anything. they will then have to either accept this argument or issue a pOLA code with their denail of your appeal. If there is no POPLA code then you complain

All patients with a diagnosis of cancer are entitled to free prescriptions. The exemption covers ALL prescription drugs, not just the ones related to the diagnosis. The exemption lasts for five years. Your Mum will need to get a FP92A form from her GP or Consultant, fill it out, get their signature and then send it to NHS Business Services Authority (BSA) Sometimes the GP surgery will do the sending off bit. Your Mum will be sent an Exemption Card, which she must present at the time she presents prescriptions to any pharmacy. Ask her to keep receipts for any prescriptions she has to pay for before she gets the exemptio

This explains some issues: http://www.hmrc.gov.uk/inheritancetax/pass-money-property/pass-home-to-children.htm and this: http://garsideandhoy.co.uk/08/the-danger-in-handing-over-your-house-to-your-children/

Hello there. I'm sorry you're having to post about such a depressing topic. I have the same thing with my mother atm. My understanding is that if you sign a house over to someone in order to claim benefits/avoid tax, you have a problem. If trying to claim from a local authority, I think this would be viewed as deprivation of capital. The last time I was trained on this, which isn't recent, the local authority could reduce what they paid towards care to allow for the capital they assumed the person claiming for care still had, as if they hadn't given it away. I think this is worth checking out. HB