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my apologies, wasn't sure where exactly to post it. Thank you for moving it. Daz

Hi all, Hope someone can help here...? I recently had a CCJ, which I paid off in full some 2 weeks after judgement was made. I have written to the claimant asking for a receipt and removal (all letters send recorded), but the claimant is refusing to enter into conversation over the matter. Now I beleive I can get it romoved via the courts with proof of payment (bank details), but at a cost? I also believe it is up to the claimant to advise the courts that this has been paid in full? With that in mind, can I now claim the costs back from the claimant if he has not advised the courts that it has been paid in full? Many thanks for any help or advise Daz

Thanks so much guys, I'll send it tomorrow and when/if I get a reply I keep you posted. Thanks again for such speedy help All the best Daz

Hi everyone, Just need a bit of 'where to start info' with this one... In a previous relationship I had a joint bank account, originally her account which I added my name to. Everything was settled when the relationship broke down in 2006, apart from an Abbey account, which when we split she agreed to close. I've since had letters from various debt collecting agencies chasing an amount of money, which, rightly or wrongly, I simply binned. Today I have had a collector from RW leave a card wanting me to call them. I have no intention of calling them, I just need to know the best approach to find out more about this debt. I have just got off the phone to Abbey who have told me that they have no details relating to the account info I gave them? And they advised to contact RW. Without any proof that I owe this money (not sure if I do or don't) how can I find this out? Do I have to go direct to RW, or send a formal letter to Abbey requesting more information? I would say that this has probably passed through half-a-dozen or so different debt collectors in the last four years. Any help would be greatly appreciated Many thanks Daz

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Hi Everyone, I just wondered if I could do a Subject Access Request to N-Power? And if I can, what information should I expect back from them and is there a fee I have to pay? My reason for this is that a couple of years ago, when I was out of work, I ran up a bit of a bill with N-Power (£700+). However, I have paid this back at the rate of £79 per month by bank transfer. The problem I have now is that every couple of months I'd receive letters from them stating that I hadn't paid! When i finally got to the bottom of things with someone in customer services it was apparenty because they had sent me a 'payment card' and because their sytem was expecting payments made via the 'payment card' it was automatically generating these non-payment letters and threats to cut off the supply. Now this went on several times and everytime I complained the reset the account, but the always sent another payment card. This resulted in calles to N-Power every few months. I always stated that I did not want to pay on the card and I would pay the £79 very month by Bank Transfer. Everytime I called they were apologetic so I really didn't think that much of it. However, a few months ago I had a visit from someone wanting to collect the outstanding amount. I basically told him to politely go away and to check all his facts with N-Power, which he did as he then called me later that evening and said that there had been an error and he himself was personally sorry. But it gets worse... I now have on my bill a charge of £70.50 for a D.I. visit! I called and asked them to remove it in December and after many apologies I was told it would be removed. Only later to realise that the charge is still on the latest bill. I've paid all outstanding amounts now, bar this charge, and complained again to customer services but this time via their online complaints procedure. But I am really not happy with the reply... They are now saying that they will not remove the charge due to my irregular payments! It must be noted here that I have not missed a single payment of the agrrement since it started. I really would like to get hold of all the phone conversations I've had with Customer Services.... Is that possible? Sorry to go on a bit, but I thought it might help you understand the situation a little more... Many thanks for reading Daz

Cheers Scott, I had a feeling someone might say that. I just thought that if the account was closed they couldn't do that, as it's not a payment that is direct from me personally. Anyway, thanks for the contact details, there appears to be some new numbers on there that I can try. Thanks again Daz

Hi all, Just wondering if someone can advise on a problem as I am struggling to get through to A&L. Around 12 months ago, I found myself in a spot of financial trouble. I had an A&L account, which was £950 overdrawn. Unable to pay them it all in one go they closed the account. However, I have since argued the point that they owe me a little over £950 in bank charges and the account is stil in dispute, pending the ome of the bank charges court case. Last month (4 weeks ago) I had a small share payment (which I'd clean forgot about) paid to my old A&L account. Equiniti the company that sent the payment said not to worry as A&L will return the payment. But 4 weeks on this has still not been returned. Would you suspect that A&L are holding this money against the arrears or will it eventually bounce back? I have tried numerous times to speak to someone at A&L and teh times I have spoken all i get is that my account is being held in Leicester and they can't access it. Also the automated service does not recognise my account number. Thanks for any help guys Daz

Hi Steve, Yeah I did presume all would be in order with the agreement. Just noticed that I have also been paying PPI, don't remember agreeing to that??? You can see it on the agreement. Might be able to get that back??? I have the original part of the PPI agreement with all the small print, which shows all the different covers and there is an acceptance signature here for the PPI - without my signature! Think it's quite well hidden on the main agreement too.... Now that the loan is paid off, is the HP agreement finished or does it continue until the penalties are paid? Whay I mean is, if I dispute them can they still recover the car? I've just made the last payment on the agreement and it's only this £551 of charges that is now hanging over me. Any help always appreciated Thanks guys Daz

Hi all, I 'm curious to know when the HP agreement ends, if anyone knows? What I mean is... does the HP agreement end when the money borrowed is paid in full? Sounds obvious I know, but what if you have incurred charges? Is the 'HP' agreement still in force until the charges such as late payments, default notices, etc, etc, are paid? Or are the charges now a seperate issue? D

Hi Andy, hope I've done this right and they are readable...? I have used photobucket - don't know if there is a better way? These are the fees, although others or interest have been added since. I got this just a couple of weeks ago. This is the agreement. I have the small print too, but not too sure if it will be readable. Many thanks in advance Daz

Hi all, hope someone can offer some advice on my situation with GMAC. Three years ago I bought a used car on finance with GMAC, I have one final payment of £89 to make, which clears the initial loan, but they are now slapping on £551 of late fees (£15 per letter) and two default notice charges (£30 per warning and £30 when issued). This total figure also includes nearly £300 of CA fees, which i presume is the credit agency that came to see me last year when I missed a few payments after I lost my job. I didn't pay the cedit agency anything or agreed anything, I just went back to GMAC and agreed a higher monthly paymrnt plan, to which they agreed. Lucily I was back in work at this time. My question is do I have to pay all these fees or are they disputable? I was told today that the account won't be closed until all the fees are paid. Many thanks Daz

Thank your very much ODC, really appreciate the template, I'll get it sent off on monday. Keep up the good work. Daz

Hi all, Not used to a lot of the termanology on here so a bit of plain English would be cool in any repsonse... To cut a long story short, I attempted to claim over £900 in bank charges from Aliance and Leicester, but that was put on hold when the banks went to courts. Prior to A&L closing my account I owed them £900 in overdraft & charges. So I saw this as a bit of a stalemate and haven't paid A&L anything, nor agreed to any payment plan with anyone. Today I got a letter from Moorcroft Debt Recovert Ltd. saying.... Our records show that you have defaulted on your agreement to pay £60 per month with the result that you are now in arrears for the sum of £333.91. Unless payment of this amount is received by return of post we may instruct our solicitors to commence legal proceedings against you without further notice. Any advice on what I should do with regards to this would be most appreciated. Kind regards Daz

Hi all, can anyone point me in the direction of a template letter I could send to my local MP, in the hope that he can persuade the Coucil to take Council Tax debt back on. Or even just some words that I should be saying to him....? Thanks for your help guys

Hi Tomtubby, or anyone for that matter, Could you explain what a Subject Access Request is please? Thank you Daz

I'm also informed by both the council and Rossendales that neither of them know about Equita. The debt is still with Rossendales. Is it possible that Equita are picking this debt up off a database and just using the usual scare tactics? As the letter from Equita does not state an amount I owe just this.... Despite previous applications for payment you have failed to pay the outstanding council tax due to xxxxxxxxxx city council. Therefore, I have been issued your case so that I can call at your home this coming weekend with a removal contractor when I will remove your goods to the local auction house. I would prefer that you were in attendance when your goods are removed and should another day be more suitable I urge you to contact me on the number below immediately. Should you prefer to pay the balance outstanding, I will require the full payment to be at this office in good time before I call. Yours sincerely Robert Langley Equita Limited That's it, no mention of the outstanding amount!!!!!

Cheers Boro, Car is maybe worth about £800 at best. Transferred ownership on the same day as the so called levy, which had only been sent off the day before the bailiff turned up, although I haven't signed a WP or anything, so still unsure as to what their rights are on the car or what a levy actually means? A receipt for the sale is available. Daz

Hi all, Just to let you know that I contacted Rossendales, offered a payment plan of a few hundred quid as one-off payment (to be borrowed) and then to negotiate a reduced weekly payment plan after that. I was originally paying £50 per week before i fell behind in November. However, they accepted the one off £payment but said that for the weekly payments I would have to pay £200 per week, which is impossible... Now today I called the council and managed to get the debt reduced from just over £3000 to £2000, due to being single since for a few years but being charged for two adults living at the property. Although they won't take the debt back they will inform Rossendales of the reduced debt. What I want to know is: Could I just make an affordable payment of any kind on a regular weekly/monthly basis, stick to it, and inform them of my intentions to pay this irrespective of whether they accept it or not? I do have a load of bank giros that they posted when I first agreed the payment plan. Surely, as long as I am paying something off the debt I am seen as not avoiding paying off the debt and doing my best to reduce the arrears. Also, what are the chances of getting the council to take the debt back if I go to my local MP? I've read this a lot on here, but get the feeling a lot of people will be doing this and local MP's might just get too many of these and just start filing the letters??? Your help is forever valued Daz

Thanks again Chris, I could be classed as a single father. With two children one at 3.5yrs and the other 5 months, with no-one else living at the address. My partner did move in when our baby was born (the eldest is from a previous relationship), but due to other circumstances that I don't really want to go into means that this isn't always the case. So as far as anyone is concerned I am a single father of two. The car is still registered at this address, as is her HP agreement on the other car, as the plan was for her move in to be a permanent thing. I have only been able to get part time work as the nursery fees for two kids, all day, wouldn't make it feesible to work at all. I started a new part time job on monday but this means that I only earn around £480 per month. I do get some help from the government in tax credits, but I have been unable to get help on rent and council tax - and rent takes up £500 pm and half day nursery fees of £110 per week! I am hoping I can come to some arrangement with the council...? The worst thing is, while I was out of work I never claimed a penny of the governement. The little savings I had and a little help from some friends helped pay the rent until I found new work. Thanx again Daz

Hi Chris, Thanks for getting back. The original walking possession does state a Levy on the car, but was issued by Rossendales - a bailiff and debt collection service - earlier last year. I never signed any of the walking possession paperwork that was left, just called them afterwards and agreed to pay them back at £50 per week by bank giro, but as you see I unfortunately failed to stick to the payment arrangement. Since I stopped paying in mid November I have had no repsonse from Rossendales (I know I should have informed them of my situation), just this new Removal Notice letter from Equita. I have had no dealings with Equita until now. The car had been transferred to my partners name on the exact same day as the Levy, coincidence I know, but we had at the time expected some financial trouble and it was more of a precaution at the time. My partner has another car and is often parked here too, this is on HP for another 2 months, I just hope they don't try to clamp that in their attempts to intimidate???? Cheers Daz

Hi everyone, Today I have received a Removal Notice from Equita (dated 14/01/2008 ) for unpaid Council Tax, saying that they will be visiting my home this weekend with a removal contractor to remove goods to the local auction house, unless I pay the full amount outstanding in good time before they call...? Now this is the first dealings I have had with Equita, as up until November last year (until I was made redundant) I was dealing with another bailiff company called Rossendales. Before I lost my job I was paying £50 per week to clear the arrears, but this subsequently stopped in mid November, and although it's wrong to do so I did try to switch off from the worry of it over the Christmas period. When I originally dealt with Rossendales I did open the door to the bailiff, although she never entered the property (possibly because I had a 3 month old baby in my arms. She highleighted the situation and then handed me a walking possession agreement on my car, which was parked outside. She didn't ask me to sign them and I never have done to this date. But what I want to know is; does this give any right of forced entry to Equita? The car has since been transferred over to my partners name and is still parked outside my house as I am now just a named driver - could they still take it? My main thought is not to open the door if anyone turns up this weekend and contact the council first thing tomorrow???? Thanx in advance for any advice Daz