It has just occurred to me : perhaps the wally at Weightmans meant consent order.

Do you mind if she moves here for a few days? There are some calls that need to be made ...

Do you need a reason? It even makes me suspicious if anyone even asks what my reason is.

I sincerely hope you have receipts for all the payments you have made. If so then do not ever let them out of your sight. At the moment you need do nothing. You have made your scheduled payments and you should continue doing so. It is entirely possible the the normal collection person has been misappriating your payments. This could get nasty but, providing your have your receipts, then all will work out.

The charge is specified in the regulations (not the Act) here - The Data Protection (Subject Access) (Fees and Miscellaneous Provisions) Regulations 2000 (No. 191) - Statute Law Database

BC and Phoenix are not the same company or in the same group of companies. BC's tame DCA is Fredricksons.

As others have pointed out there are certainly grounds for disputing the matter. My point was solely related to your claiming it was an application based solely on the heading. Apologies for confusion.

See posts 4 and 8 above. This is the reply I have received - It is possible to route an 0871 number to a mobile, however, you will need a call planner solution to enable you this functionality. You will not generate a rebate and will be charged 15ppm for all calls received on a mobile. The Call Planner solution is designed to never miss a call. You can set your office hours to enable calls to route differently in hours and out of hours. In hours you can route calls to up to three different target numbers, each for a set number of seconds, if the lines are busy or unanswered the call can divert to a busy voicemail service. Out of hours calls either route to our out of hours voicemail service or to an alternative target number. Any voicemails receives will be emailed to an address specified by yourself. The voicemail service is chargeable 4.25 pence per recorded minute. For more information on the call planner service please see the below link; http://www.telecomsworldplc.co.uk/call-planner.asp The Call Planner is one of their products. So, yes, you can route calls to your mobile but it will cost you money. Other companies may do the same thing (I haven't checked) but I expect the charges will be much the same. Personally I've gone with the basic 0871 number with no extras at all, and this is routed to my home office. I don't pay anything for this.

But you signed it as an agreement regulated by the Consumer Credit Act. The heading on the top is largely irrelevant [de minimus in legal terms (too small to matter)] - it's what you signed that matters. I would respectfully suggest that you pause for thought on this aspect. It is up to you whether to rely on this to dispute the matter. I wouldn't.

Possibly, but it's better than no accomodation at all. In my own case we had a few weeks in a hotel. Pretty reasonable I thought. No complaints whatsoever.

Jan : Thanks for that! I'm not an expert on liquidation though, and I strongly exdorse your suggestion to sort out an liquidator asap. Medievil : Since you are owed the money, and are going down the tubes without it, I think you have to talk to your friend in uncompromising terms about getting it repaid, even if by installments. If your friend will agree to this you must get it in writing. The axe you will be holding over his head is that the liquidator will not be so willing or friendly. Your friend might get as little as 7 days to stump up the full amount, and if he doesn't he will be marched off to court forthwith. The liquidator's job is to liquidate the assets and pay off the liabilities. It's a pretty nasty job and liquidator's are pretty unpopular people, however you might have an opposing view if he can get things moving. If your friend does agree to staged payments of the amount due then this will forestall the liquidator's efforts and leave him in a slightly better position. But that depends on the liquidator of course. In essence your friend is now in the sinking boat with you. You have to make him aware of that - in blunt terms if necessary.

TBH I don't know. I suspect you will have to pay for the mobile component of the call. I've amended my earlier message and inserted a link to the company I use. I'll send them an email.

I know hindsight is a wonderful thing but you should have read the meter at the time you started your tenancy and telephoned BG with your details and the meter reading at that time. I hope you did this with your new flat.

Yes, I have. Strictly speaking these are supposed to be for businesses but I invented one . (Names like 'Underground Airways' are mainly already taken so you have to be very inventive). I have only ever had a couple of calls on it, and not enough to trigger a cash payment. Sadly I only took this up late in the piece and most of my creditors knew my mobile number anyway. If you want to go ahead the company I used is http://www.telecomsworldplc.co.uk/.

Just to add to comments above : the HMRC have a set of well-defined procedures and rules they must follow. You might not like those rules but HMRC do stick to them. You must always play straight, honest and up-front with HMRC. Not doing this will bring heaps of real, serious trouble. However, in saying that, they threatened several times to make me bankrupt. I couldn't afford to do this myself, and no-one else would do it, so I went back to HMRC and asked them to do it. They refused. I asked again, then I begged and entreated them. Still they said no. It turns out they knew more about my finances than I did, and knew that making me bankrupt was pointless.

Were you living with your parents when the [purported] agreement was taken out? Is the address to which they sent the agreement the address on the agreement?

My wife has advised all her creditors that they are to deal with myself in regards to her financial affairs. Some do, some don't. But it's perfectly legal and allowable.

I don't think Westcott will be very interested in this one. Moorcroft might be a better bet.

Yup! That's the one. Many thanks. Is it fair to say that his drafting is highly regarded/well thought of?

Sorry to hear of your plight. You have our sympathy. Unless the company's debts were secured over your personal assets (usually your house but other things can be used as security) then the company's debt will not affect you personally. To answer your question explicitly the company's creditors cannot take your personal possessions. They will try damned hard to do so - expect a lot flack and hassle. The amount you are owed seems to be enormous. What steps have you taken to obtain payment? A company does not become bankrupt. Instead it goes into liquidation, and the directors will normally appoint a liquidator to deal with this. Naturally that person or organisation will want paying so there needs to be some cash to pay them. Given that you are owed a large sum by one debtor then this may be a good option - liquidaors can be very impersonal in chasing assets of this nature. Is your client a person, a sole trader or a limited company? Do you obtain any guarantees or security from the client for the debts? What are the relations like with your client? What were things like when the good times were rolling?

If you sell your house of your own volition then the council has no obligation to re-house you. A charging order is not a forced sale, nor does it mean there will be one automatically. All it does is stop you selling the property without obtaining a certificate from the person who obtained the charging order. That person will almost certainly not provide such a certificate unless the debt is repaid. If, on the other hand, the creditor forces a sale of the property and you are evicted then the council is obliged to help you.

Tomtubby, for the benefit of the rest of us what would you be declaring in a Statutory Declaration?

If someone had then they wouldn't be on CAG anyway...

Perhaps I'll write them a letter.

Seems our friend from 192.com has the sulks. Not been here since last Saturday afternoon. Maybe he's just busy at the moment.