Hi All, I sent the LBA off on Tuesday (23rd), and Tuesday afternoon my boss told me that I no longer have my job! Not what I wanted to hear, as I owe money to my letting agent....basically, would I be able to change my claim to a financial hardship claim, and if so, how would I do it? What proof would I need etc.. Thanks guys

Excellent! Thanks for your quick response, letter printing off as we speak, will get it in the post tomorrow. Thanks for your help

Hi Guys, Thanks for your help so far, I had a letter back, saying basically they wasn't processing anything until some decisions had been made......anyway I just wondered if the 14 days, included the weekends? if so, my LBA is due to go out tomorrow.... Thanks

Hiya, Thanks for the above link, I've had a look through and sent the first letter off last wednesday. Still haven't heard anything back though. Does anybody know the correct address for the Halifax, as I sent my letter off to the office in Halifax......am now wondering, as I haven't heard, whether this was wrong - oh dear, not the best start!

Hi All, Thought I'd give this a go as many people seem to have been successful, I just don't know where to start. I contacted the Halifax last week, and on Friday I had copies of my bank statements going back to 2001. I have gone through them all and have circled all charges - they range from £30 to £39, and in total add up to just under £1000. What I don't know is, what do I do now...... Any help grately appreciated, or just some pointers in the right directions, letter templates and the like, also appreciated. Thanks guys Kirsty

Thank you so much for explaining that to me. I am going to go through the paperwork I have received from the Council and also from Rossendales to be doubly sure that I haven't ever received a Liability Order. If I haven't, which I'm pretty sure of, then are these Charges from the Bayliff illegal? If I have received one, does this mean that I have to pay them? Really sorry for all the questions, I'm trying to sort myself out Financially, and all these bills/debts keep popping up. I keep trying to clear them, only to find its gone up due to charges of one description or another. Im fighting a losing battle!

Without sounding daft, what is a liability order? I have only had the bill from the council, a letter from the bayliff, i think it said "Notice of Warrant" at the top, and then this "notice of distress". I rang the company earlier and she said that the council notified them of payment received, but I still have their charges to pay.....I just wanted to know if they are going to keep coming to my house/sending me letters as I am going to refuse to pay them! They are nothing but bullies.

I've just checked the receipt from the council, and it was paid on the 6th, so can't I argue that charge with them? I refuse to pay extra money - I have paid what I owed and I think that should be the end of it.

I have a letter from their first visit, and a notice of distress from their second. The second visit I know full well was after I had paid it off through the council, the first visit, I think was the same day as I paid it, or a couple of days before, i need to check when I made the payment, I'll have the receipt email somewhere.

Hi Guys, I got another one for you. I got behind with my Council Tax (only a couple of months, so i'm amazed the council sent it to Rossendales so quickly to be honest). But I paid it a while ago, I thought I paid it before I had my first letter from Rossendales, but they are saying I didn't. I just rang them this morning because when I got home last night, I had a notice of distress waiting for me. Not impressed, so I rang them to tell them I'd paid it online. She said the council told them it'd been paid on the 11th June, and the Bayliff first called around on the 6th June. Therefore I owe them the charges, for the first and second visit, the second being yesterday. I am not paying these charges - so is there anything I can do? Are they likely to carry on chasing me, carry on adding costs, so it goes up and up? Any advice appreciated Thanks guys.

Thank you so much, I'll get that letter printed off and sent off as soon as possible, hopefully to stop the letters from coming. See what happens next. Why is nothing ever easy

Hi Guys, As you have all helped me previously, I thought I'd try my luck again! I have had a lot of letters recently from Robinson Way telling me I owe money on a next account from a couple of years back. I'm pretty sure that I don't. Is the first thing to do, to send a letter asking them for the credit agreement or asking them for proof? or is this one and the same thing? If anyone has the template letter to hand, that'd be brilliant. Thanks guys

No I have heard nothing from them since I received the letter telling me the balance was £0! They haven't removed it from my credit file though. Does anyone know how I can do this, or how I can get them to do this? Thanks guys

Yep - Cross over it was, cause I had another letter from them when I got home last night. Basically saying thanks for my correspondance, they have sent my request off to Littlewoods etc etc......then they said that my account has been chosen as part of some scheme and they are offering a one time payment of £*** basically, 75% lower than the amount they say I owe.......why are they doing that for? Im thinking it's because they know it's less than likely Littlewoods will come up with the CCA and this is there only hope of getting some money, am I right?

Okay, so basically I'm thinking that our letters just got crossed over in the post? Im going to give them a ring tomorrow (or later now) and see what they say. Ive checked on the royal mail website and it says that the letter was delivered from the depot on the 29th, so it's possible they crossed over right? That or they are ignoring my letter and sent me this one anyway? Which do you think is most likely!

Well guys, guess what!! I have had another letter from capQuest! I only got around to posting my letter to them 3 days ago, and this one is dated 31st March, so it probably crossed over. However, I've just got off the phone to the company and the guy couldn't access my account because it had been passed to the admin dept. The general gist of the letter goes like this : "We note with regret that you have chosen not to deal with this matter despite our previous communication endeavouring to assist you in coming to a satisfactory agreement to settle this account without the need for legal action. It is therefore our intention to progress your account to our pre-litigation system where the relevant validations and checks will be completed. Your account will then be passed to our solicitors. Through the litigation process we will seek an order of the court, directing you to pay monies outstanding. It we are successful and it is nescessary to do so, we will seek a Warrant of Execution, a Court Enforcement Officer will be assigned to attend your address and carry out the warrant. The Bayliff will take an inventory and levy goods. You will be informed that the Bayliff has impounded the goods and you will be asked to sign a Walking Possession Agreement, acknowledging that the impounded goods are in the possession of the Bayliff. If full payment or a satusfactory offer of a payment plan is not made, the Bayliff is authorised to remove the goods for sale to pay the debt and costs. A Walking Possession Agreement means that the goods that have been seized now legally belong to the Bayliff and can be removed at any time. However he will allow them to remain in your home and you can continue to use them providing you keep to your side of the agreement. They fees charged by the Bayliff will be added the amount owed. Any additional costs for removing and selling goods will also be added to the amount owed. You should also remember that any goods you own may lose value over time. This may mean that the bayliff seizes goods to discharge the sum you owe, although the value of those goods will not exceed the amount you owe, it may cost you more to replace them. All of this action is avoidable, it is therefore in your interest to prevent the above course of action by contacting this office immediately to discuss you proposed agreement to pay this debt. etc etc.......make contact by 4th april........ Its like, What the......!! Didn't need to see that when I got home from work Help me please, lol

Hi Guys, just a quicky to let you know that yesterday I received a letter re the above account. I am slightly confused though because it wasn't from Lowell, it was from Red (who seem to be part of lowell, as the email address was lowell@......) anyway, it said the balance owed was £0 - I didn't bring the letter to work with me, so can't tell you exactly what it said (I'll do that later), but does that mean they couldn't find proof? And if so, will they remove the note from my credit file?

Thanks very much, I'll start with the CCA letter to capQuest and see what they say then. How long do they have to respond? I'm assuming it won't take them very long to get back to me, judging by their rapid response to my previous letter When they reply - depending on what they say, I'll no doubt be back for more info!

What is a SAR? Ok, I'll print off the Letter for the CCA and send that to capQuest, I don't know what a SAR is, so if you could let me know, that'd be great. You are right, the transfer account may mean that, but I don't want other people getting in trouble for what could be my problem - if that makes sense! However, I have heard that these people don't tend to have signed credit agreements very often anyway, and therefore they are not enforceable - is this right?

Yeah but they won't have the credit agreement will they, because the "transfer account" bit means it was someone elses account doesn't it? Bit confused as to what they can actually do.

Ok Guys, I'm back. Today I had a letter from capQuest (have to say, they were quick!). They haven't sent me a credit agreement or anything like that, but I have got a "Account Statement History" whatever that is, basically its a list of items I must have brought, although I only recognise one thing on the list. At the bottom is says "This is a customer transfer account from *************** in November 2004, therefore the agent would have had to agree to the debulk". Basically, what do I do now?? As always, any help or advice, greatly appreciated...

Thanks guys, but what about the fact she said it could take up to 90 days? Is this true....do I have to sit around and maybe at some point in the next 90 days, they may produce these documents....its madness

Well.....I posted the letter recorded delivery. When I got home this evening I had another letter from them - they don't give up do they! I rang the number and told the lady that I wrote them a letter. She said they hadn't received it, so I told her that I'd check my tracking number and see if it had been signed for - then she realised they did have the letter after all! Anyway I asked her what happens now and she said that she will go back to the company and see if they have records of my account. I asked her how long this will take, and she said that sometimes they are quick, it depends on the creditor, but sometimes they can take up to 90 days, these seemed a pretty long time, so I asked her if it was normal to take that long, and she said sometimes yes..... Then she said if it turns out to be my account then I would have to pay within 7 days of receiving my statement of account, is this true? She also wanted to know if I could pay in one go, rather than instalments..... Anyway, I told her I wanted no more visits, no more cards etc, until ownership of the account was resolved, to which she agreed, so we will have to wait and see!!

Everybody - this thread seems to have gotten slightly out of hand, ever since our friend The Chunchmeister - joined in....do you think we can get this back on track now?? Benwell - No, I haven't heard anything back from the Council, but then I'm not really expecting to, because the lady I spoke to seemed quite happy with the attachment of earnings! As they would, because they'll get their money, which is fair enough. Have you had anymore responses from the Council as yet? Chunchmeister - everybody is entitled to their opinions, but if you are so clued up - then why not post your advice on here, so that we may all benefit from it? I don't see what you have to loose.......unless of course you are wrong.

Marvelous! I'm in my fighting mood at the moment, so this could be fun (in a weird and twisted way! - it really has been a long day!!) Right then, I will leave you all in peace until I hear anymore from our friends, then I'll be back needing more advice