Hi, I realised I was stupid. No I was not working. They told me that if I should ever get into money trouble this would cover the payments. I didn't cancel the ppi I was trying to deal with it through the bank, I didn't know at the time I could fight it. The account was last acknowledged by me in 2003. Yes, I have thread on the debt forum and acted on advice but like I say I feel I have hit a wall. I am aware that my acknowedgement of this debt was 6 years agao but we are still communicating, can I still go for statue barred? I have not made a payment. There is a print out of terms and conditions for the card but not the ppi. Before I requested these I wante to get and ieda of wether it would be worth going for. The application form they sent back is so dificult to read I really couldn't tell you what it says. The debt is now with Cabot, only they are now putting interest on. Thanks for taking the time to read and get back to me.

Hi, I Have an on going Row with Cabot and Barclay card. If I give you a brief out line on what has happened could someone tell me what I should go for, as in, striking the debt off altogether or just a recliam on payments. I just need to know what will be the most likey out come so i know where to point my letter towards. I waso benefits when Barclays offered me a credit card. Not a huge amount, repayments seemed reasonable so I snatched thier hand off, I was young. I took out the payment protection plan if for what ever reason I could't afford the repayments. I since got a job and was quickly made reduntant. I had kids to feed, money was tight as the company I worked for never paid me my last wage packet, I was getting behind with everything. I did use my card after Istopped working. When I approached the bank and explained my situation, they said that the insurance I had taken out was now void because I had used it after I knew I wasn't working any more, but Barclays still continued to take the monthly payment on the account that had now not been paid for a couple of months. The row with Cabot has been going on for a year now and I don't really feel I am so much to blame. The original debt was £1880 and the interest Cabot have put on has taken it up to £2670. Barclays have refunded my charges for over limit and late payments to Cabot not me on the default account. Cabot have an erratic interest rate to say the least The interest on y account goes up and down! They have not shown the £56 + 8% interest Barclays have refunded and dropped all the interest at one piont while they were trying to get the CCA fro Barclays which Cabot have proptley put back on when they sent me my application form for the card Through. I just feel like I have hit a wall an need someones advice who has been here already. Sorry its so long but thanks for taking the time to look.

Hi dano, have a look at the links europs has posted, I've had a look and inteand to wave it all under their noses on thursday when I have my 'interveiw' its very clear that the car expences must be taken in to concideration and more. It think it will be really useful to you. Hi Fox, my partner has an appointment on tuesday with them to try and get this sorted so I think then will be the time to make a complaint, we are already appealing. They will be sick of the sight on sound of me when I'm done. I have read that the council has auditors, just not for this type of thing. We are in the processes of finding an independant auditor for when we resubmit our books. More than anything I find it hard to belive that they have over paid us when it is so difficult to find out what your entitled to in the first place let alone claim it! Through doing a bit of ringing around and making the right noises I've found out that we are entitled to an increase in a couple of things so when we do resubmit our book our figures will be different again and we are getting more money (bonus!) that should confuse 'um but it wouldn't be a problem if that department were doing thier job properly!!!

Well if its free i say do it! I can not belive they are t6hreatenin me in this way. We have two disabled kids, no one will employ us 'coz both my partner and I have had to leave full time employment to look after them, one child is his and one is mine. So we went s/e so we could work from home around the kids, four altogether and another two every other week. I feel like we are been persecuted because we don't fit in one of their little boxes instead they accuse us of robbing the goverment. Any way thanks again

Hi Europa, Thanks for getting in touch and for the info. No, it wasn't permantent. The place he travele to was my partner customer rather than him being contracted by them, if you see what i mean. I've just been phone around local auditors and some offer to give you your first chat with them for free if that is any use to you. Maybe if they can't do anything for you they might be able to tell you where you can get help from. All the best keep in touch

Yeah, its how to get them to back down and realise they are wrong. I have been called in now for an 'official interview' because they can't work out my benefit they have accused me of trying to fiddle the social. It's all wrong, but it will be money well spent getting them audited. When you talk to them on the phone they act like they are doing you a massive favour! One womans siad 'well its going to take me all day to go though your accounts' 1, sorry your going to have to do your job. 2, you asked for the truck load of info!! lol

Brilliant thanks Fox

Hi every one ,I am having major problems with Housing Benefit because my partner and I are both self employed, we have our own seperate companies. As such the H/B have requested our books, fine we earn nothing, as our businesses are fairly new. Its all come about after a home visit which is meant to replace the yearly review ( I object most strongly to the home visit) we couldn't answer all the questions the woman had so are accounts were requested. They have requested more info than the tax office do, it took a couple of weeks to get the books done. They have taken figures completely out of context. To give you an example no allowance has been made for travel expenses ect they have averaged our H/B & C/T on gross invoices. My partner has to travel for two hours to get to work it costs £45 every time he goes!!!! Then when we recieved the the out come of take your kids to school day (and let them do all the admin) they say they can't accept us doing our own books again, they have to be audited. Would I be trying to claim H/B when its the biggest pain in the neck ever if I could afford an account???? Does anyone know if they can actually demand this? Sorry its turned into a bit of a rant. Is any one else going through this?? We have four kids, two of which are disabled. We are on the phone morning noon and night with people telling them we earn't 20p last Thursday so we don't get in to trouble. They have just hit us with a bill for £1600 over payment because they don't know how and what to add up. Some one please any one HELP

brilliant thanks

I have emailed the CRA so i'll post the results. Thanks to al for your replies

Your help is much appreciated Slick123. I though I had the right spot, I am trying honest. I have sent a message to equifax direct for them to look into this just as another help avenue too. Just hope I get a response, these people must be inundated. Thanks again

Hi, I have just recieved my most recent credit report. Now I know hosw to decypher these sheets that spew out of my printer I have discovered that Barclays, who I have defaulted with, have logged a default notice on my credit file. As I read on Cabot who have bought the debt have also placed a defualt on my file. Can anyone tell me how they are allowed to do this please. How can one default account earn you 2 black marks against your name? Also, can anyone tell me who I approach to get at least one of them removed, would I be right in thinking Its Barclays as they no longer own the debt? even thought Cabot have been CCA'd and can't prove they own it?? Thanks

Oh, I see. No, I had a 2 current accounts, a credit card and a loan. I can find all the info on these but there is an extra one that i know nothing about. What do you think I could do?

What does that mean please?

Doing the bank charges as we speak but, how do i ask them about an account they have pinned on me when I do not have the account number? Is this a subject access request??? Thanks for getting back to me