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Posts posted by shifnal

  1. The DWP told me that I had been overpaid last October, although it wasn't until April 2017 that they decided how much I had to repay.

    This was settled at £3.70 a week out of my Income Support

    (I am a full time carer who gets Carers Allowance and Income Support) in May 2017.


    Today (21st October 2017) they have written to me saying they want to review how much I pay them and increase it. It has only been 5 months!


    My circumstances haven't changed.

    CA and IS are my only sources of income, and out of that I have bills to pay.


    Is there a letter I can send which will keep it at the current repayment rate?

    And can they just increase the repayments?

    If they did, can I appeal?


  2. Hi! I received a letter this morning from the DWP headed "We are reviewing your benefit claim." They want to interview me at my local job centre in early October. They also want me to provide copies of my bank statements and some other financial information. They state that it is so that they can:

    talk about any changes which could affect your benefit... we need you to provide us with the information on page 2 of this letter so we can make sure you are getting everything you should.


    I am confused as to why they need to do this as I am a full time carer looking after my Mother who is in her 70s.


    I currently claim Carers Allowance and Carers Premium (which is basically Income Support). I did have a small part-time business which I ran from home for around 6 months, and which the DWP were informed about, and which didn't affect my benefits. When it closed I again informed them.


    Is this just a random check, or is it because they will be moving Carers onto Universal Credit shortly? I have always been honest and open with them and am confused as to why they need to check me.


    Thanks in advance!

  3. Hi! Update. Had a letter today from a company called Hoist Portfolio Holding 2 Limited, saying that my account has been passed onto them by MKDP LLP, and asking me to make payment.


    Should I do anything or ignore? Neither these or MKPD have ever shown proof that I am responsible for this debt. Thank you.

  4. Just an update.



    Had two letter from them today (20th April).



    One was the standard, "we have't heard from you," letter.



    The other was a statement.

    It claims that it sent a previous statement on 30th Nove 2013,

    but I never received such a statement.



    It does state: "Total payments received £0.00."


    Should I now send the SB letter or still wait? Thank you.

  5. Update: I had another letter from them today (Thursday 2nd April), stating that as I hadn't replied they would

    Unti we reach an agreement to clear this balance we will continue to contact you by telephone or letter so we would advise you to resolve this matter.


    What action should I take as I do not like being harrassed. Thanks!

  6. I had a letter this morning from a company calling itself MKPD. They claim in the letter that


    HSBC Bank plc has assigned all its respective rights title and interests in respect of the HSBC Bank plc current account number XXXXX to MKDP LLP on 8th December 2011.


    MK Rapid Recoveries has been appointed by MKDP LLP to manage your account and it is essential that all future payments and correspondence regarding this account be directed to MK Rapid Recoveries at MK Rapid Recoveries, Fleming House, Seebeck Place, Knowhill, Milton Keynes MK5 8FR


    They say the debt is for £1,848.88p, but I have no knowledge of this debt. I am also suspicious as they say it was passed to them in December 2011, so why wait until know to write to me?


    Any advice as what to do would be gratefully appreciated. Thanks!

  7. Hi! My friend had a letter this morning from a debt collection agency demanding that they pay a debt. The debt is for a Cap One card and dates to October 2001.


    My friend had forgotten about the card and alleged debt and wanted to know if the dca can still chase it after so many years?


    I said I thought that debts over 6 years old could not be chased, but said I would ask on this forum for clarification, and what, if any, action they could take.


    Thanks in advance.

  8. Update: 18th March 2013. My Mother had a letter from Lowell this morning thanking her for her letter but saying that they have "looked at the information we have and believe that you are responsible for this debt." They then went on to say that they were passing it on to Capital One for verification before taking further action and have "temporarily suspended this account."


    What does this actually mean, and what should my Mother do now? She is adamant that she has never had a Cap One card, and she has only lived at the address they are writing so since last May.


    Thanks in advance for your advice.

  9. Wondering if you could help please? My mother, who is disabled and elderly, has had a letter this morning (Monday 12th November) from Red debt collection services claiming that she owes Capital One £416.43 for an outstanding credit card debt.


    The issue is this:


    She has never had a Capitol One credit card and does not know where this debt has come from. Red claim that they have already contacted her and offered a "generous discount" on the debt, which is not true as this is the first she has heard from them.


    She has only been in her home for a few months and is at a loss as to how they have connected her name and address with this debt, and is very anxious and worried.


    The letter claims: "We will be sending your account to a field agent or one of our chosen debt collection specialist partners unless you arrange repayment." She is now very concerned that someone will come to her door demanding money for a debt she does not owe.


    The letter does not state how long she has to contact them before they send an agent out, and she is therefore worried that unless she does something in the next 24 hours she will be in trouble.


    I was therefore hoping that someone would be able to offer some advice as to what action to take please?


    I state again that she has no knowledge of this debt; she has never had a Capitol One credit card; she has only been in her home a few months and does not know how Red have linked her name and address to this debt.


    Thank you in advance.

  10. In May of this year I signed up for BT Vision. I had nothing but problems with it and after a series of emails between me and their offices, they agreed to close my account in August with no cancellation fee. However, I decided to keep my phone and broadband as at this point they were okay. Shortly after this the broadband itself started playing up and there were also some minor issues with my monthly bill.


    I have now asked if I could cancel and switch to another provider as I am not happy, but they have replied (in a snooty email) that as they have dealt with my earlier complaint, if I cancel and switch they will charge me £190 as a cancellation fee.


    What I want to know is if I have any redress against them over this as my experience on the whole since May has not been a good one?


    Could I for example, take them to the small claims court and claim my monthly payments back for the time when I had BT Vision?


    Thanks in advance.

  11. Hi!


    Two weeks ago my brother received a letter from CapQuest telling him that they were chasing a debt. The problem is that the debt is owed by a woman that my brother has absolutely no knowledge of. The only connection is that they share the same surname.


    My brother lives in a new build and is the original and so far only tenant (his landlord is the local housing authority). No one else has ever lived at the address, and no one of the name used by CapQuest.


    Added to this my brother has never heard of the company the debt is owed to nor does he have any knowledge of how CapQuest have put the ladies name with his address.


    I downloaded the appropriate letter for him to send to them telling them that they had the wrong person and the wrong address.


    Yesterday, (19th August 2010) he received another letter still addressed to the same lady, informing him that it had been passed to CapQuest's legal department and that they would pass it to their solicitors by 23rd Aug is they heard nothing back. They have ignored the first letter and are still insisting that this lady lives at my brothers address, and threatening legal action.


    I want to know what action should be taken next? The first letter has obviously been ignored and they are insisting that this lady they are chasing is living at my brothers home. He is upset and angry and fears that they will try and take him to court and make him pay for a debt that he has no knowledge of. Thank you.


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