Don't know if this will help you any but i am in receipt of income support and child tax credit . When my circumstances changed and i had to apply for i.s the guy advised me to claim i.s for myself and my partner and to claim child tax credit for my children. He said it is only worth claiming i.s for your child if the child is receiving d.l.a not to sure if this will help but you could ask the compliance officer. Try not too worry about your visit.

I am going to submit a new claim and take it from there. Thanks everyone for your advice,

Thanks guys for your help. I work (16hours per week) and my partner doesnt work at all. I do claim child tax credits but i am not n receipt of dla for any of my children.

Was wondering if someone out there could answer my query basically my partner & i are in receipt of child tax credits but he is also receiving disability living allowance (middle rate care & high rate mobility). A lady from tax credits advised me that i should be receiving disability element of tax credits but when i rang to make a claim for it another lady said that we are not entitled to this element. So now im somewhat confused:confused: Thanks

Hi Could you please tell me what a CPUTR is :-? Thanks

I had a mortgage with GE Money which was redeemed last year when i remortgaged with kensington (big mistake but that's another story) I recently requested a list of all fees & charges from my GE account and to my horror i have realised that i have been charged over £1k more in Early Settlement charges than the amount stated on the Key facts of the Mortgage. Does anyone know if i would be within my rights to try and reclaim this?

I believed my policy was missold i had a single premium ppi policy, i repaid my loan early & the ppi added £2.5k onto the total of the loan. Welcome did say in their letter that they disagreed with my points raised but as a gesture of goodwill they were refunding me.

WON********* Sent a letter to Welcome Finance in mid August requesting a refund of my PPI . Got 2 letters saying they were looking in to the matter and they would be in touch soon Got a cheque today for just over £1000 can't believe it!!! :)

OK i will send a letter to 1st credit, & one to TS tomorrow Thanks for your help.

Thanks ODC I sent them a SAR to get a copy of any alleged conversations etc they have on record with me. How long do they have to comply with a cca request? I sent mine in June and still havent received a cca.

Hi Guys Need some more help please!!! Basically after two phone calls from 1st credit last week threatening all sorts such as bankruptcy, forcing sale of my house etc if i was unable to pay my debt to them in full and advising me that they would not accept a monthly payment and no discount of the total amount owed would be given. I sent them a SAR ( I already sent a cca request to which they have not replied) Today i received a letter from 1st credit it was dated after the phone calls last week) it says that they are prepared to offer me a substantial discount of the alleged balance. and if i do not wish to accept this offer they are still willing to accept a monthly instalment offer. Any advice anyone?

Hi everyone Have just got my statement of charges from Swift but could someone please tell me what template they sent to swift to reclaim the charges (sorry still trying to find my way around)

Hi Hope you don't think im hijacking your thread but i have the pleasure of having an account with this lot too. I requested a CCA from this lot in June and heard nothing until the other day when they rang me and said they did not need to supply me with a CCA as i had made payments to them therefore i aknowledged the debt and that was all they needed they said if i didn't pay the full amount they would take me to court (produce their documents to the judge) and apply for an order which could force me to sell my house. They said was there no way i could borrow the money from family or remortgage.

Hi i have been thinking about it just don't know whether to go ahead I'm on a fixed rate with them until May 09 but i'm not sure if the mortgage companies are like some banks and make you close your account if you make a claim because i couldn't afford Kensington early redemption charge (enquired and it was over £5K) Not to sure about my ability to get another mortgage in current climate. I did ask one of the puppets on the phone about refunding some of my charges but they said no way as the charges are detailed on your contract and that is what you sign up too so basically tough!!

Was just wondering has anyone ever successfully reclaimed the monthly arrears charge from Kensington? Sorry ignore this have found something similar in another thread.

Thanks i will amend that to suit but just another quick question Does the same law apply in Northern Ireland? Does anyone know if the guy from 1st credit is correct in saying that because the call is recorded he does not have to give me the information in writing?

Hi ye sorry it is a A&L Loan I'm afraid of getting something from their solicitors should i write to them and say i am disputing their claim that they do not need a cca? Sorry but First Credit don't even give you a chance to talk they try to bully you into making payments etc.

Hi everybody was looking some help regarding first credit basically i have an account with them re Alliance & Leicester they rang me one day and told me they owned the account and they would not accept payments of less than £90 per month i paid this for a few.months but it was too muh so i cancelled my dd and wrote to them requesting a copy of my cca. They acknowledged my letter and i heard nothing more until i got a phone call today a very intimidating phone call at that saying they had sent my cca request to Alliance & Leicester but as i had admitted liability by paying the debt they did not need to send me a cca i asked the guy for this in writing and he said their conversations were recorded and they would use the recording in court as evidence and if i didn't pay the full amount today their solicitors were bringing me to court to force a charge on my property. After that the conversation got a bit heated and i hung up on him after telling him where to go so he can use that in court!! Basically i need to know are they right that they do not need a cca? and what should i do next? All help greatly appreciated

Hi Tawnyowl Thanks for your comment everyone on this site is so helpful i wish i had found it months ago! My situation is getting worse the broker who arranged my remortgage has gone into liquidation and the receiver says there is no point in claiming compensation but don't know whether to go to the FSA or not. I'm 4 months in arrears with Kensington i had an arrangement with them but i broke it they have no compassion so im waiting to hear from their solicitors. Want to write to them for SAR and then try to request their fees back but haven't plucked up the courage yet. Hate them with a passion. All ideas on how to deal with them would be greatly appreciated. So wishing i wasn't in a mess!!

does anyone know what would happen to our loans if Kensington did go bust?

Thanks Olives for your advice will be watching that thread with interest Would like some more help if possible. On checking through my papers i found my application form to infinity but the mortgage broker has altered a few things on it. I would like to know if you think i should contact the broker to give them the chance to explain this or should i contact FSA direct and lodge a complaint? I'm in a real mess now!!

Hi Was looking for some help this is my 1st post so please be patient with me I remortgaged with a company called Infinity Mortgages approx 15months ago and then a few months later i received a letter from a company called Kensington Mortgages to say they now own my mortgage and all payments etc must be made to them. I didn't really think to much about it at the time but i have fallen into arrears with them and they are adding charge after charge. My query is after reading all about CCA requests etc on this forum i have never signed a CCA with Kensington and was wondering can they "buy" my loan from infinity. Would love to be in the position to have the upper hand with this crowd they really are a nightmare!!! Thanks