my daughter has her head down the toilet being sick right now. why i would say its the Doritos sour cream and chives that she bought today from our local supermarket the sell by date is 3rd December 08 very unhappy about this i phoned there head office expecting an apology at the very least no apology didn't even want to know where the shop was all they said was has she still got her receipt (yes) well when she stops being sick tell her to take it back for a refund customer services what costumer service :mad::mad:

adjusted letter to Jacobs in post recorded delivery letter to council will be hand delivered tomorrow any idea what department i address it to

pmsl

chris600uk you are right it is fraud but she has been paying this for well over a year now and this sxxx only started because she wont change her payment to a cash payment that you have to do manually every week she phoned Jacobs office on the 12th the same day the bailiff had been and ask them to send a copy of her accounts but they only sent one account the one that had been paid in full She had to phone them a week later to get a copy of the other account the one with the charges added on Ive got another question that i could do with some help with I'm going to send a S.A.R. to the council and she still ows them money but are not pursuing her for it at the moment so when they get this i reckon the will start looking for their money can she refuse to have anything to do with these bailiffs before i send it i am going to start paying council £5 week (standing order hopefully with her old rent account number) thanks your a STAR

pmsl

thanks very much you are a DIAMOND I know its my daughter but i am paying it for her and i am pxxxx off at what they are doing to her because the don't make any money from her and this started because she wont pay her account cash every week and she has not missed a payment in months and then to charge her for a van on the 12th is harassment as far as I'm concerned they are ****ehawks i sent an e-mail to my MP

does the above letter OK to send to bailiffs please could someone look it over before i post it thanks

Nice One

this is the letter i intend to send to bailiff any thoughts on this would be appreciated before i send it Dear Sir/Madam, Over the last few weeks I have done some research and spoken to a number people who have more knowledge than myself concerning bailiffs and there charges It has been brought to my attention that some of the charges on the above accounts could be wrong and may in fact be illegal. I therefore would like to draw your attention to the charges that have been levied on both the above accounts for a p.c. The bailiff saw a copy of the purchase agreement for the p.c. this clearly states that the p.c. was not purchased by me when he saw this he said he was not leaving without levying something I live with my boyfriend and his mother in his mother’s home and was put under immense pressure to allow this p.c. to be put on the levy or he was going to put a levy on my partner’s belongings. I believe you cannot levy other people’s property if you have proof that they do not belong to the debtor. The bailiff also levied the same items on both accounts on the same day. I also believe this to wrong as a bailiff cannot levy the same items on both accounts and cannot levy both accounts on the one visit. None of these accounts have been in default and as it stands account JACOBS REF: XXXXXXX is now paid in full However, a bailiff called at my home on the 12th January while I was out he left a NOTICE OF INTENTION TO FORCE ENTRY AND REMOVE GOODS. TAKE NOTICE that you have failed to pay the balance outstanding we must remove the goods for sale and he was re-attending that evening to remove goods. I was very distressed about this, as I have NOT missed a payment. I spoke to the bailiff on the phone and informed him that this account is being paid and not in default he told me that he would phone his office and could I phone him back. This I did and was told by the bailiff that it was on hold and he would not be coming that evening I actually phoned him again later that evening to confirm he was definitely not coming I now have a copy of both accounts charges and there is a charge dated 12th January 09 for attendance /van £90.00 vat £13.50 Can you please confirm why I have had these charges added to account JACOBS REF: XXXXXX There is no default on this account it has been getting paid by standing order every week. In fact there was no reason for the bailiff to call on the 12th January. I am assuming that is what these charges are for can you please confirm this I have also sent you a photo copy of the p.c. agreement with this letter As Wrexham, council is your client I will also be sending them a copy of this letter your charges and all coresponance sent to me from Jacobs I am now asking you to investagte this matter and write to me within 14 day with your findings Yours

OK wrote to bailiffs asking for copy of there charges and payments. for both accounts one account paid in full on other account they have added £90 + vat 13.50 on the The 12th January for a van to remove goods on an account that is not in default she has never missed a payment in 18 mnts. The bailiff did call that day as you can see in my post dated The 12th January.I now need help to write to bailiffs and council disputing these charges i am also going to e-mail my M.P. as this is harassment and only started because she would not change her method of payment they also leved the same goods for both accounts on the same day goods that do not belong to her she gave the bailiff proof that p.c. was her brothers and he still put it on the levey

thanks for that sharkgirl will do it this weekend. do i get a form from post office or can i do it on-line also i still have paper licence do i need to change it to the photo one at the same time

i got married 10yrs ago and i thought i had changed my driving licence until last week when i wanted it for I.D. and it is still in maiden name i don't know what to do about it. Ive been driving all this time and never been asked to produce it for anything Wish i hadnt looked it out to use as I.D. Worried sick about it now

i am at the moment dealing with bailiffs too . dint panic someone will be along soon to help you . untill then read as much as you can on here.

try the Halifax my daughter got account with them a few months ago and she got bad credit history

this is relay just a rant about saga home insurance. my uncle aged 84 died last month so Ive been helping my aunt who is 86 deal with all the changes bills name change over e.c.t. (she calls me her Clark lol) however i was sorting our her home insurance they had been paying building insurance on one policy £307 and contens on another £126.99 total for year £433.99 i know they have been with saga for years I'm shocked at the amount of money the are charging the elderly as we all know the elderly don't talk about money to anybody but if an elderly relative is with saga check the are not paying to much hope this post is in the right place

i was paying British gas £85 monthly my last bill November/December was £195 in credit. When i phoned them they said the were reducing my monthly payment to £5. I let him waffle on then politely told him Never have i herd so much rubbish come out of one persons mouth in such a short space of time .And that my sister works in the para legal department of Scottish power manweb this is my money my account and i want £150 returned to me thus leaving my account in credit by £45 and payments of £25 result refund paid directly into my bank account with in a few days and monthly payments of £25

thanks for that

cant belive its so hard to write a letter

started my letter not easy trying to include all the points you made. She has rent rent arrears but is not paying anything at moment would it be a good idea to start paying them on line without telling council just start paying before sending letter

had loads of things to deal with but now time to get subject access request sent of got the postal order what do i write to them and can i ask for a copy the tapes from taped interview

hubby reckons it its its not due till end of Feb. I found tax disk renewal for year 07 and it says your current license expires 28/2/07 .He always taxed for Mt's but will check disk on car t/morrow and wade through paperwork in her house for log book. I'm going to need it sometime soon anyway thanks for reply

thanks for reply car is in garage and wont be driven she doesn't drive will sorn it on line when reminder comes through

chris600uk have tipped your scales. Can she add to the statutory declaration that the property she lives in is her partners mothers home therefor any property in it belongs to her partner and his mother. Her solicitor knows that when she left her own home and moved in with her partner she had nothing her x partner destroyed or took anything she had when they split up

thats good to know we were worried about them stopping the standing order She has an appointment with her solicitor on Thursday about another matter. I will tell her to speak to him about the statutory declaration once again thanks for the quick reply and the very useful info

how does she do this is it through a solicitor if it is getting her brother to solicitor is going to be a problem because of his job (thanks for the quick reply.) I have been paying this by standing order through my bank account for 18 months with no problems never missed a payment. This all started again because they wanted to change her method of payment and she refused Because of this i found this site and would have carried on paying it and just assumed there fees were correct. She phoned the council and the told her that she still owes them £152. bailiffs balance is £287.58 can i pay the council there money then question there cost i am worried that they will stop collecting the standing order thus putting her in default