Are you entitled to benefits or help with council tax? Get this explored straight away by calling the benefits enquiry line on 01772 238141 and tax credits helpline on 0845 608 6000 Is the amount of tax being demanded accurate? So they reneged on a previous agreement? The council is uncoperative, so you can make a Stage 1 complaint and maybe a Stage 2 and go to the Local Government Ombudsman and ask for compensation. Not allowed. This is called obtaining a money transfer by abuse of position. They are also misrepresenting their authority by claiming to have a power to have you arrested and sent to p

As far as I am concerned if the report was made from the school especially during the time scale I gave Social Services when I made a complaint today, then I will take legal action against the school as that is just below the belt, and not because the Head got her nose put out of joint should she make reports against me. However the names of the educational social workers that came to review my homeschooling plans have been passed on to social services so they can contact them directly and they can get feed back themselves on how I or my son seemed and the work I am now doing with him. I am not answering any allegation made out of malic

The FOS is the alternative but they seem very reluctant to interfere withdefaults - I don't know of anyone that has been successful that way. Even through the courts it is usually easier if you are also reclaiming unlawful charges as that gives you an extra lever. On compensation - what you sy is 'compensation at the court's discretion' The letter in post #2 counts as a preliminary request. You could send them a carefully crafted LBA, threatening to claim compensation under s13 and an injunction under s14 and see what happens. Wait until the2q days is up though, if that's what yougave them

Paul, there is no mis-understanding here and I agree that people may well be doing themselves a dis-service by simply copy and pasting things off here. It is important that people understnad that they need to make it their own with some amendments specific to them. People just need to remember that it if for the Claimant to prove their case and not the Defendant to prove otherwise. Always the best way in law. Here's to more success. Dave,

Please bear in mind the onus is on Lowell to prove you owe them not for you to prove you dont. fell for that one before i found CAG, Lowell came after me and told me i had to prove it, chased paperwork fron everywhere to see if i kept anything, only got lucky when the company i did pay wrote to me giving me an update a year later for some reason that i had a zero balance. Do send CCA dont sign and send telephone harrassment letter all recorded delivery.

You are entitled to quite a lot wemfish. In your area will be a business advice center that you should contact. This is for the one in the Westcountry and Plymouth, have a look and then find the one where you live. They will put you right on all you need to know and even assist with you business plan and financial assistance. Homepage - Business Link As far as I remember you have to be claiming jobseekers to qualify for funding but the few months training you will get will not cost you a penny - they even have free tea and coffee. I'm not sure how it affects your benefits, but you get a couple of hundred per month fo

The first one, they do need to send you something legible. The second one doesn't have the prescribed terms, apr etc. I do not think these would be enforceable. I would be inclined to send a letter back thanking them but clarify the points raised. idax

CCA them now and see what comes up - if they don't have an agreement, use the DPA route to withdraw/revoke consent and hit them with both together. Statements of account will help you along the way.

Any chance you can scan / photo the agreement they have sent you, (minus your personal details) ?? use Image hosting, free photo sharing & video sharing at Photobucket if need be... CCA RULES FOR PRESCRIBED TERMS CONSUMER CREDIT ACT 8.2 What if prescribed terms are missing or incorrect? s127(3) provides that the court may not make an enforcement order unless a document containing all the prescribed terms of the agreement was signed by the debtor – see Q1.21. If therefore any of the prescribed terms is missing, or incorrect, the agreement is not enforceable against the debtor, and the court is precluded from mak

In that case don't worry about it - just send the same letter, that is -please find enclosed my cheque for £x. This is in respect of council tax arrears only every month with the cheque - (you technically don't need to just sending a cheque with account details is enough - but it doesn't hurt to be extra careful) - and try not to worry too much

Littlewoods under their many names will keep writing to you but once you have their standard letter advising no credit agreement file them under ignore. You could lob this one at them: Dear Sirs, Thank you for your letter dated 1st October, the contents of which are noted I must draw your attention to the fact that this account is in dispute. I wrote to Littlewoods on the 10th May 2007 making a statutory request for a true executed copy of the agreement for the account numbered ********. The statutory time frame for this request is twelve working days as set out in the Consumer Credit (Prescribed Periods for Giving Inf

Hi.. You are doing fine, but you must continue to be strong for now. I know these thugs are ruthless, but they can be stood up to. In hindsight, and for anybody else reading, giving them £500 was probably not the best thing to do as its just given them the belief that you can find another £500. There are a couple of letters here you might want to adapt and print off. You also need confirmation from the council that your payments are in fact going towards your arrears, and not this years accounts. :_Letter_for_Council_Tax_Bailiff_at_Your_Door : Vunerable situations (single parent) Scroll down page. Asking them f

Relax - they may huff and puff but they cannot blow your house down! In fact you decide how this is going to be paid, not them. Send them a "prove it" letter ie they have got to prove they have a legitimate right to collect this debt as this is the first you have heard of it and they haven't even got your name right! Dear Sir/Madam, Your ref: Your company has contacted me regarding an account with the above reference number, which you claim is owed by myself to Phoenix. I have no knowledge of any such debt being owed to Phoenix and in th

Hello CitizenB! I believe their above Statement is misguided. In banking Technical Terms, their Statement is classed as a Barclays Porky Worky Pie, see below: Barclaycard & Microfiche - they are wrong - OFFICIAL I hope this helps. Cheers, BRW

Your sister in law wont be able to VT the agreement because she is in arrears. The account will need to be brought up to date. Yes, the car has to be in a sound mechanical state and the vehicle has to be in reasonable condition for its age. This generaly means that it need to have no damage, have a valid MOT and have a full service history. This of course depends on how old the car is. The car you are describing above will be classed as a non runner.. Sat for 12 months, no MOT no Tax. Yes. Some will accept 3 months, some will only take 12 months. You will have to accept the liability for the

copied from the Limitations act 1980 The Limitation Act 1980 states that most debts can become ‘statute barred’ after 6 years (12 years for mortgages and secured loans). This means they become unenforceable – you still owe the money, but the creditor can no longer take action to recover it. This can only happen if: the creditor hasn’t contacted you (at your last known address) or taken action (e.g. court action) in that time and you haven’t made payments or acknowledged the debt in that time. 6 years for most debts Most debts can be declared statute barred if they’re left ‘untouched’ for 6 years. You may be surprised to

The number I had didn't work, but I spoke with another T-Mobile contact there about ypur problem and whilst I've not got all the details, they've suggested I should pass on that persons contact details to you and they should be able to sort you out. As soon as I've got the relevant info, I'll PM you with it.

I'm just completeing my letter to the Ch Exec Of B/card, should I sign, does it sound ok AND am I likely to cause more problems by prompting them to supply legitimate paper work? Dear Sir, I have just received the enclosed document from 1st Credit in Reigate. Could you please advise me if this letter is legitimate or if it is a fraudulent use of your company’s logo? Any comments that you have would be appreciated. Yours faithfully

The CCA request is legally-binding. Providing you know it's been received (rec. delivery slip), they're under a legal obligation to comply, along with a Statement of Account. If they cannot, then they have no business pursuing you for money on an unsubstantiated debt. 14 calls already though !!.... ..... log them all if you can, whether answered or not.... but do not talk to them.

Methinks it is a responsibility equally shared between the OP + her husband gizmo111... Agreed. But the 12yrs in which the Mortgagae Lender has to recover any debt begins from when the OP last makes ANY acknowledgement of the debt...i.e. A £1 token payment, NOT from when the Possession Order was granted. Given that each + EVERY payment to the Mortgage Lender re-starts the 12yr period + that a bankrupcy pettion is seeming more likey every day the OP's house (...which is now owned by the Mortgage Lender btw) remains unsold, ANY further payment by the OP would appear to be 'Dead Money'??... Would it be MORE advantagous

Hi Antz, Read the Link No1 as stated and you'll find SAR letter along with lots more. Send the SAR to:- Barclays Data Protection Radbroke Hall Knutsford Cheshire WA16 9EU Re. the case you heard of, if you have suffered penalty charges on the a/c, you are entitled to have them repaid along with any interest you have been charges on those penalties. I'm not aware of any trade-off to get defaults removed by NOT reclaiming penalty charges. If you have defaults against you for this a/c, there may be ways to get them removed. See here - http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/