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About MickKane

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  1. Hi I received a letter from the TC office informing me I had been overpaid in Febuary 2009 and they intended to collect the overpayments by reducing future awards. They started to reduce my award in the 10th April 2009 and I went BR on 29th April 2009 including this in the bankruptcy. It was my understanding that once discharged that the reduced payments would cease and the debt written off. I have contacted the TC office and have been told because they did note make there final decision until May 2009 (after the date of my BR) that the debt is still outstanding and shall still have
  2. Hi in Febuary 2009 we recieved an amended awards letter from the tax credit office telling us that we had been overpayed by approx £2000 and that they would reduce our award to clear this overpayment as they intended claiming this back. This was one of the main reasons for us declaring ourselves bankrupt 2 months later in April 2009. My understanding is that if the TCO has informed you of this overpayment and there intension to claim it back before you go BR then they can continue to reduce your payments until you are discharged and then its like any other debt and written off.
  3. Thanks for the reply, i have changed the link. thanks again mick
  4. Hi i signed up to a 2 year contract, the gym is always so busy you can never use anything, there are wholes in the floor under the carpet where the weights are dropped which i consider to be dangerous and my wife hurt herself on a treadmill when it stopped suddenly, There are never any staff around to report this. here is my terms and conditions that we signed upto https://www.snapdda.co.uk/Clients/_MasterDocs/MasterTermsAndConditions_0709.pdf thanks for any help mick
  5. Hi about 2 year ago i requested a copy of my cca agreement from Moorcroft for a catalogue debt. They wrote back informing me that there was no agreement so the debt was unenforcable. Eveything went quite for about a year but since then Phoenix have been passing this debt from one DCA to another monthly. I keep sending them copies of the letter from Moorcroft and they tell me no further action will be taken until the following week when Phoenix pass it on again and the process has to be repeated. I cant find any contact details for Phoenix to directly question them about this and
  6. Hi we applied for our charges to be refunded to us in may 2007 but as we all know all cases are on hold. We went bankrupt in April of this year but have recieved a letter from the OR informing us he us applying for early discharge. Once we are discharged if its ruled that the charges are claimable will we still be entitled to the amount we filed at court. Thanks
  7. Thanks Emma, going to court to pay the fee tomorrow. Usually used MCOL but doing it at the local court this time, all other times it has been for credit cards and have been paid up within 28 days, is this how it usually works with Virgin
  8. Recieved another email from them today as I sent a further email to them having not heard there final responce yet as I was told that I would hear it on Friday. Email below. I have liaised with our legal team and as discussed with you on Tuesday with Dorothy, when customers fail to pay their bills on time or only pay part of their bill, the collection process inevitably starts. Whilst we're not obliged to give a breakdown of our business operating costs (including those of our collection process), we can assure you that the £10 late payment fee covers only the direct costs incurred by us
  9. Thanks Martin. I will file my claim this coming wednesday. Mick
  10. Anyone know if this is likely to be another offer, full amount or a refusal. Thanks Mick
  11. Yeah thanks mate I read that thread, very interesting. Thanks again mate
  12. So what do you think there next step will be Atwozee. Worried about them getting an attatchment of earnings
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