Sorry I dont understand is it your name - when the bailiff visited did he not tell you what the debt was for? If it is not you then you have to prove it to them and then yes they should pay ti back to you By the way never ever let a bailiff in SFx

Hi what is this debt for? SFx

Just a thought - TT will confirm if I am right or not that goods cannot be levied twice. SFx

TT - me thinks we are thinking along the same lines!!! SFx

Ask Newlyn what they actually levied they should provide this if not then there has been no valid levy. SFx

STB - please dont argue with TT - the knowledge TT has far surpasses anyone here. If TT says something you can be sure it is correct. SFx

Yes - it means they are exempt as long as their name is not on the liabilty order or warrant. SFx

Phone Equita or Experian they should be able to tell you definatley SFx

Just a quicky if you were living at your parents address why are they chasing you for council tax? Sfx

Hazza you have PM

Hazza - you have PM SFx

You can get all that info from Companies house for less money!! SFx

Hazza - that is their registered address their main office is in Northampton. SFx

What fees have been charged and for what? How did you discover that he was not Certified? SFx

SB - I am really sorry but I am a little tied up right now ( no help to you) but will reply to you fully tomorrow. Firstly breather and the troops will be in to help you through this. One the welsh council tax were you the only person named or was it joint liability - have you spoken to the OR regarding this Take care and hopefully you mind will be put to rest soon if not will give a full reply tomorrow SFx

Chef - this is very useful info - could you put it in its own thread so that we can all take a look - if not could you pm me - thank you and well done Sfx

No they cant but may I ask why your husband is not on the Council Tax bill, please ensure that you are not getting single persons discount as well as this could get you into a lot of trouble. SFx

I think it comes down to the fact of who can actually sell the vehicle IYSWIM but hey I could be wrong!! And theirfore enefit fromt eh financial gain. SFx

You are in very good hands with the info you have recieved but I just wanted to add my support to you. SFx

Slick no wonder I lost it!!! Still trying to find the correct letter for this one and also for Egg!!! Other thing I have looked into his bank and see that he has been paying Overdraft protection which also looks like PPI, anyone have anythoughts about this - this should be quite clear cut as he ahs been with the same bank for 16 years the same amount of time that he has been employed by the same company! SFx

Congrats to you and and go TT!!! It is amazing that if you dont let them get you down you can beat them. I would always advise filling in a very detailed form $, they are a powerful tool as I found out. SFx

WAHOOOOOOOOOOOOOOO - I am so so pleased for you, I never doubted that you had the strength to fight this and you have proven that. Congratulations lovely and all the best for the future. Print this thread out and put it in a vault and when you think you have an insurmountable problem get it out and flick through it and smile!!!! I know two lucky girls who have a Daddy, who they can be very proud of and also will be able to help them be the best that they can what ever the obstacle. Lots of love SFx and her Flowergirls.

thanks FB - I have trawled through the templates but cannot find the one that is pertinant to this case. From further reading I have also found out that it is deemed incorrect to add the ppi at the beginning of the loan, - am I right about this? Also still cant find what supporting paperwork I need to send. SFx

Hi firstly sorry if this has been comprehensively covered elsewhere. My husband took out a loan for £2000 in Sept O6 - he was charged PPI - however, he has worked at the same company for 15 years in a senior position, he is comprehensively covered regarding medical and in case of death. Therefore the PPI was of no use to him. If in the unlikely case that the company went bust then the staturtory reduncancy would cover the amount of the loan. What template letter do I need and what supporting information do I need to send? Will they take this off of the loan? Thank you very much sorry if this has been asked a hundred times. SFx

Any news mate - thinking of you and yours SFx