If her youngest child is under the age of 12 (This decreases in October to age 10) she can automatically make a claim for Income Support from Jobcentreplus. If she receives Income Support, she should also be eligible for housing benefit (or local housing allowance) and council tax benefit from the council. If she has savings over £16000 she will not be entitled to the above benefits. If she has savings between £6000 and £16000 they will be reduced by £1 for every £250 between those figures. If her savings are below £6000 her benefit will not be affected. In the meantime she should let Tax Credit know her employment has come to an e

a member of my family works for one of the big utility company's in the paralegal department i will ask them to join C A G as this person may be able to answer some of your questions

Regarding Restons - they can whistle for what they have added on. Have you had a default notice issued by HFC and if so can you post it up? David

Yes send them the letter Cerberusalert posted, make sure you send it via recorded delivery so you have proof that they received it. I would use red ink aswell:D But thats just me,

that ppi looks resonable to me. now dca's CANNOT add charges nor interest so ignore reston's on that. infact ignore every DCA they have no legal powers and should not be writing letters which say will this & will that. i'd report them on both counts. dx

If it's the first time then the branch and see as it is the first occasion if they will refund it otherwise its standard reclaims process.

We've already discussed this on another thread and have answered it

Just giving your thread a little bump. If you need urgent assistance, dont forget you can hit the red triangle.

I've finally finished a skeleton There are things in it that I've underlined and put in bold italics - this is either because you need to insert information that I don't have OR because there are things more generally that I don't know - by that I mean there is a big section on account charges - I don't know if there are any or not - if there aren't any then simply delete the stuff on them if there are then you need to take off the bold and underlining etc and insert the amounts You need to read the skeleton and if you've got any queries ask me - make sure that you understand it For some reason I can't get it to upload to the s

Hi Loring What type of pension do I have? There are basically four types of pension that you may have already, or could be entitled to receive in the future. State pension - This will include any payment from the State Earning Related Pension Scheme - SERPS. Occupational pension - This is a scheme set up by an employer to provide members with retirement and death benefits. Contributions may have been made by the employer, you as an employee, or both. Personal pension - This is a personal pension policy you have taken out with an insurance company to pay you benefits in later life. (Retirement annuity contracts are simil

I had a long drawn out complaint with Vanquis over reduced payments and charges. They would not accept my offer like you. I would certainly write again to Vanquis head your letter OFFICIAL COMPLAINT, explain that the reasons why they should refund the amount they owe you. Say you expect them to deal with your complaint in the timescales laid down and should you not be happy with their response after their final decision you will have no alternative but to pass the matter to the FOS. Tell them under no circumstances will you be dealing with 1st Credit and whilst there was already a dispute on this account they shouldn't have passed it to a

I'm sure someone will post soon and give you some guidance on how to procede

Dear Sir/Madam Account Number ACCOUNT IN DISPUTE Contrary to assertions made by (NAME OF THE PERSON WHO SIGNED LETTER) in a letter dated 26 May 2009, Barclaycard has still failed to comply with its obligations under section 78 of the Consumer Credit Act. The set of documents included in your letter however, do not absolve Barclaycard of its obligations under section 78 of the 1974 Act. Regulation 3(1) of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (SI 1983/1557) requires the provision of a true copy of an agreement. Although this need not be an exact copy and certain information may be o

This agreement is a mess as far as interest is concerned. Under 5) The monthly interest rate is 1.95%. They have therefore shown the prescribed term 'the rate of any interest to be applied' This is an actual annual rate (AAR) of 26.08%. Your agreement is not absolutely unenforceable by statute. Please note that the %APR does not express the annual interest rate alone. In your case there is an additional fee annually of £10 and for cash advances an additional charge and both these must be shown by a higher %APR. Under 1) You will see the effect of the annual fee of £10 in the first column. Notice that the higher the

Absconsult, I am surprised that an application to set aside a SD delivered to a limited company got past first base. Unlike SDs served upon individuals, limited companies do not have rights to apply to the court for a set aside order. The only thing a limited company can do is raise objections in correspondence. If the creditor should later issue a winding up petition which the company intends to oppose, the company should immediately apply to the court for an order restraining advertisement. A petitioning creditor is bound once 7 days have elapsed following service of the petition, to take steps to have the petition advertised. If adve

In terms of a CMC - you actually don't need loads of preparation - what you need to do is think about what needs to happen before you get to trial. Litigation is a process Has it been allocated to track yet - if not the first thing will be deciding which track it goes to Then you need to deal with things like disclosure, inspection and exchange of witness statements. The Court will set down a timetable. The court will also give directions about a case summary (prepared by the claimant but agreed by you), filing of skeletons, preparation of trial bundles (again the claimant does it but they have to agree the contents with you).

Not sure what you mean. It is the DCA that does the pursuing. The agreement would be with the mobile network, so with no agreement the ex customer could not 'pursue' them in any meaningful way.

I will be watching that and recording it. Any CAGGERS who would like a copy please send me a message and i will do a copy on DVD or email it if i can.

Other Information Section I If the court is in agreement, the defendant respectfully requests that special directions may be given as per the attached draft order. The defendant proposes these directions in mind of the Overriding Objectives, and in particular the duty of the parties to help the court further them. The issues outlined below are the crux upon which this claim rests, and the proposed directions identify these issues and will allow them to be assessed in advance of the hearing so that this claim may proceed justly and expeditiously; Without production of the requested documents, I am at a disadvan

Buzby I agree with you especially with your remarks on CRA defaults. They are put on files by creditors and DCAs who are the sole judges. Even when they are clearly erroneous it is extremely difficult to get them removed.

This is the CRAs playing with the English langiage again - and worth challenging on this point alone. In their haste to ape Court proceedures they latched on to the term 'default' which has a precise meaning, but for their usage, it means that action (or inaction) by the customer has put his account 'in default of the agreed terms' - NOT that there is a court-registered Default outstanding. The same goes for 'settled' this means the debt or dispute has been resolved. In relaity the contract is 'concluded;, and their love of using court terminology to validate their industry is worthy of investigation. Priot to 1990, all consumers h