they sent me a statement showing the last payment to capitol1 was jan 2006 the sent me a statement showing the same balance 2 weeks ago so no money has been payed

Hi advice needed i had a credit card with capitol one last payment made to them in january 1996 they stopped putting interest on this account in july 2006 this account was sold to our old freinds Lowell some time in 2009 i have never admited this debt or payed anything off it never contacted lowells and never spoke to them they keep writing to me i just ignore them so now they have passed it on to a debt collector so please advise as to where i go next is this account stature barred many thanks mike

Hi I all so have a problem with bt i decided to go back to bt for my calls after being with aol for the last 4 years that was on 4/01/2010 on the same day i had a call from talk talk and to cut a long story short their offer with all in saved me £20 a month so i cancelled bt Thats where the fun starts I received a bill dated 5/01/2010 for £95 termination charges on the same date another letter arrived from bt to say the contract would start on 21/01/2010 so it beats me how they can charge for a contract that has not started phoned bt no help from them any advice appreciated regards

No the car is not on finance but my question was is the walking possesion order valid with the wrong car registration number on it

Hi had problems with my council tax could not pay last years the debt was passed on to jacobs. In jan of this year i was in a postion to pay the debt in full so i spoke to jacobs and offerd to post a cheque to pay the debt off in full they said we will not accept a cheque by post but will collect and charge you £24. Did not pay all quite until yesterday when they posted a walking possesion order through my letter box taking walking possesion of my car which was parked on the drive. The clown must have been parked on the road when he filled in the form because he got the car reg wrong. Any way i spoke to a helpfull person at the council who told me i could send payment to the council and by law they must accept it posted it yesterday anybody know what is the position with the walking possesion order is it legal and can they act on it regards

Hi i also having fun with a baliff from jacobs had a bill last jan for council tax i had got in to debt and could not pay this was last year in jan of this year. I was in a postion to pay the tax in full so i spoke to jacobs baliffs and offered to send them a check to pay the full amount owing they said we will not acept a cheque in the post we must collect it in person and charge you £24 for the collection fee so it did not get paid. All was quite untill yesterday when one of their bailiffs posted a walking possesion order through the letter box taking walking possesion of my car i did not sign the paper and on looking at the order the clown has coppied the reg of the car down wrong on the walking possesion order. What i need to know is this order legal in the mean time i spoke to the council a very helpfull person who told me the council could not refuse a cheque on this account so i forwarded a cheque for the full amount. Awaiting developments

we have had a statement from my wifes trustee in bankruptcy and in the claims section of the statement it says claims received £26703 claims awaited £15297 my query is how long can he wait for these claims what are awaited the the bankruptcy order was made in march 2005 the money to pay this bankruptcy will be in place in 6 weeks time the trustee was made aware of these debts at the time of bankruptcy but it seems they have not proved the debts at this time

does anybody no how the d t i charge is worked out

soon as baliff was told of the trustee he was no longer iterested and sent the papers back to the first court with no action poss

the trustee has estimated the costs including £14264 trade audit duty on debts of £42000 its not a company its my wifes bankruptcy but of the £42000 debt but £16000 have not filed claims

hi can anybody help ? what is a department of trade audit duty and how is it calculated

the debts are in my wifes name after the mortgage is paid off the equity is aprox £180000 there are no debts in my name the debts in the bankruptcy are £43000

thanks for looking its a insolvency pracctitioner

i have a problem with a trustee my wife is bankrupt and the trustee wants to sell the house i have no problem with this i also want the house sold as there is a fair sized equity in the house my problem is he wants to sell the house with vacant possesion his thoughts are we would put potential buyers off buying which is not the case we are willing to give the estate agent a set of keys and make sure no one is home at the viewing time i have explained to the trustee that i cannot afford to pay the mortgage payments of approx £700 and rent also until the house is sold he says not his problem and if the house is repossed by the mortgage people so be it if the property is sold as against being repossed the equity will pay off all the crediters but if its repossed by the bank it will fetch a lot less because of the banks charges and i suspect the crediters will not be paid in full i estimate the difference bewteen repossesion and sale could be as much as £60000 i have spoken to the bank and there attitude is if we reposess as long as cover our charges we are not worried about any body else

can anybody offer advise my wife has received a baliff letter from the county court the problem she has is she was decleared bankrupt 30 months ago and that is still ongoing the trustee in bankruptcy has taken over all her goods including her share of the house when the house is sold the debts prior to the bankruptcy will be settled as my wife does not own anything and this debt was after the bankruptcy can anybody point us in the right direction