Also, whilst I think of it, because I have only recently been made aware of this CCJ I have made no offer of payment, I am still waiting for them to send me the paperwork they promised - yet they continue to ring me!

mmmm right ok this CCJ was received when I used to hide my head in the sand when debt letters came through the door - its about a year old and was placed on my old property - moved out of this property in Oct 07 and the CCJ was placed on my property in March 08. They say they have letters from me (which I do not remember writing), saying I was offering £5 per month. They also say they received a payment of £5 - am waiting for them to prove that I paid this. This CCJ was placed on my old address and didnt receive any paperwork for this whatsoever. The debt was occuring whilst I used to hide from my debts, but I was not aware of the CCJ until I got a copy of my credit file a few months back. I managed to get a recent CCJ removed from WF through non receipt of paperwork and disputing the claim, so I could try this process again and see if this works perhaps?

I made enquiries to some CCJs which I am trying to get removed... this one is for a catalogue debt which has gone from Redfairmile or whatever they are called to LARGO. It is a CCJ and I asked for the details and I spoke to a guy on the phone and they wanted £63 per month over 12 months - yeah right as if! I am paying half that for another CCJ which is 10 times the debt! They said they had various letters which I had written to them and letters they had written to me, said they had gone through all the proper channels and had done everything to the book and I could not get out of paying for the debt! They told me that they would provide me with copies of these letters - 4 months later I am still waiting for. They also said that I made a payment in December 08 for £5 - I have also asked for proof of this to which I am still waiting for. I have written to them twice asking for this information only for them to not reply to me in writing but to leave a message on my mobile. They have now left another message today asking me to URGENTLY contact them - I just deleted the message! Is there a letter I can send them to get them off my case until they provide what I have asked them for please? Thanks LL

I wrote to them using the standard letter requesting all my refunds back, I received a holding letter and then a week or two later received a full and final offer of settlement funnily enough have received my statement today and have again been charged grrrrr!!!! Did you send them the refund letter or a letter which you wrote?

I have just rang them again and asked if it had been sorted and they said no they are still suspened, "bear with me whilst I look at the notes". I asked what the notes said and he wouldnt tell me, I said I had been told about the error etc., and he said it had been sent to the tax credit office to find out why they had been suspended. I asked him if a giro payment be sent and he send one was requested on Tuesday, I asked him the outcome and he said this can take anything up to 2 weeks. i said I could be without money for nearly a month then and he said yes, so I said how am i meant to surive and his answer..... I CANNOT COMMENT ON THAT! :-x I had to put the phone down on him! I really do not know what is going on and I don't know what to do, I have lost all my appetite and I am now getting to the stage where I just want to cry!

yes I realised that after I had posted it DOH! They keep telling me I will get my money and it just hasnt been sorted out yet and they have informed the relevant department of the computer error! The thing is if I SAR them this could take weeks and what's the point, this isnt going to get my money is it? Surely if it was something far more serious they would ring me or write to me or turn up on the doorstep and I have had nothing! Even when I ring the 5 times I have been told every single time its computer error related! GRRRRRR!!!

New bungle hits 'disastrous' tax credits| News | This is London Is this anything to do with mine do you think?????

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My payment hasnt gone into my bank - I did put up a separate thread but as this is still ongoing I thought I would start a new one. It seems that my payment from Tuesday hasnt gone through - it seems that any little error can cause the suspension of payments. Up until yesterday my WTC was still going to be paid on 23rd June but I have been told this evening that its been suspended as well NOT HAPPY! Everytime I call up they tell me the payments have been suspended and an error note with a reference number is on my file. The department that are trying to sort this out are on telephoned based so I only have the main number as a contact. Apparently this does happen (never happened to me in the 10 years I have been claiming!) has anyone ever experienced this before? No one seems to know how long this is going to take or will take,apparently there are no notes on the system. Surely if it was something more serious then they wouldnt just tell me it was a computer mess would they??? The telephonist I spoke to tonight did say that I was entitled to the money and that I would receive it she just didnt know when. Can someone help or put my mind at rest please because if my payments are stopped indefinitely then I am well and truly screwed! A very worried LL

Hi can you tell me when this happened please as I am in the same boat. I have had my payments suspended this week and they still havent sorted it out! Should have received monies on Tuesday but nothing! I have been told its a computer error - is yours recently as well?

Has anyone got any advice pelase before submitting my letter of complaint?

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I pay by D/D monthly, however, my insurance company took two payments last month, 1st May and 11th May. The 11th May is the correct day. When the 1st payment went out I let it go, then when the 11th payment went out I got my bank to recall it as I wasnt meant to be paying 2 premiums a month. I received an automatically generated letter from my insurers stating I need to reactivate the direct debit before end of May otherwise my Policy would be cancelled. This I did straight away and explained about the double payments, they said that somewhere along the line I had missed a payment and they were taking 2 to catch up - fair enough I thought and agreed that they would do this in June. I received a letter confirming that a payment would be taken 1st June and further payments on the 11th June. The 1st June payment wasnt taken, so I phoned them up on this day and asked why when the DD was all set up and reactivated. The lady said that it should have been taken and to basically keep an eye on it and see if it goes out on the 2nd. It didnt go out on the 2nd and up until today this payment hasnt gone out. I therefore assumed they were going to take double payments on my normal payment date which is the 11th. I regularly check the ASK.MID website to make sure that I am always fully insured - I checked this yesterday and was fine, when I checked this morning it glared at me in black and red and stated I was NOT insured! I telephoned my insurance company and they said that the Policy had been cancelled and I needed to speak with the underwriters who dealt with this. I rang them up and they basically passed the buck back to the broker! By this time I am more concerned about the possibility of driving into work uninsured - what happens if i was hit or I hit someone else? What happens if my son was in the car and something awful had happened or even worse stopped by the police, fined and my car impounded???? I was told that the Policy had been cancelled and that I would need to start a new policy and pay off the monies owed on the cancelled one - this was two monthly payments of around £100. I told them they were not getting a penny out of me until this was sorted out! It took nearly an hour for the broker to admit that they had made a big mistake and admit that they were in the wrong! They admitted that when I reinstated the Policy it generated the letter confirming dates of payments which I had in front of me when I rang them. I asked if the Policy was to be cancelled why this wasnt brought up when I telephoned on the 1st June? I also said where is the letter informing me that my Policy was due to be cancelled???? They said they had written to me stating this, however, this letter never arrived! The letter was actually dated 20th May and I stated that I received a letter dated 19th May confirming payment dates. He said this should have pushed the Policy through to take the payment and didnt and it failed and cancelled the Policy. He admitted it was their error and apologised. Now ironically enough whilst trying to sort this out I rapidly got insured through someone else and am now paying £20 a month less! HOWEVER - I have said that I will be writing a letter of complaint as this could have caused serious consequences for me this morning had I been stopped or been in an accident! I am sorry that this question so long, BUT do I have valid grounds to complain and perhaps claim compensation? The team I work with think I have and I just wanted some "outside" advice, thanks LL

Mmmm good point though they didnt admit to it being their error, merely a technical error! I gave them my renewal figure as well so like you that will no doubt put mine out of sync! When I moved house they gave me an extra £40 - maybe I should move more often lol!! :grin: The thing is, I changed bank details around 4 months ago, rang them twice saying I wanted it via giro, they never did cancel the bank payments (this was during the time when I had issues with NatWest) so am not holding up much hope of them actually issuing this payment, but I would like to be proved wrong this time! It's all been happening to me today...... found out that my car insurance was cancelled and no one has written to me to tell me this and they have admited it was THEIR ERROR!!! :mad:

Apparently my payments were suspended and they tried to do manual payment and that didnt work either. I have no idea why they were suspended and he didnt know either and he said it was probably just an error and that he would get it pushed through and that I would receive a giro payment!! I might give them another ring later as I am not convinced that is the case, I mean why suspend payments and tell me they have no reason for it! It went in fine last week

I did ring my bank this morning and they have no record of it going in, would it go in tomorrow perhaps? Its not normally the case though

Thanks, mine is ALWAYS in there when I log on early before I leave for work. I am really worried that its been stopped with no notification.

I would also like to add that I have received NO letters or paperwork from them and I know that this normally arrives some weeks later but surely they cannot just stop it without warning????

I have logged onto my bank this morning and my child tax credit has NOT gone into my bank as it was every Tuesday morning. Is anyone else in the same boat, is there a problem there end or do you think it may go into my account tomorrow? The last time this happened was when they hadnt received my end of tax year claim, but they are not due in until 31st July 09 so cannot think of what this is???? The office doesnt open until 8am and I am sat here really worried that I will not receive any more monies which will totally mess up my incomings and outgoings! Thanks

Quick question whilst I put my defence together........ My current loan with WF was partly used to clear an existing loan I had with them, however, WF have NOT provided me with any paperwork pertaining to this 1st loan. I was told a while back that this kind of action is not allowed or can be frowned upon and I would like to word something that I could include in my defence..... can someone help please? Thanks

That was it, the loan wasnt paid off that is why they are chasing. At the end of the day if they win the case the worst that can happen is that they can get the Judgement reinstated and I am back where i am now paying them £30 a month? BUT If I win and stop paying they will then have to start the process from scratch.

I am now starting to get REALLY confused, because up until now the repossession has never been mentioned and has never even been mentioned in ANY correspondence received from WF. WF have never made reference to the fact this loan was never paid off at repossesion, they have never said anything like this to the court or to myself in all the paperwork that has been passed around.

In short..... no! Basically, the loan was secured on the house, and when the house was repossessed I took it that the loan would be repaid from the sale of the house and any debt secured on it.... it wasn't until Jan this year that I realised that was not the case as I hadnt heard a thing!

I don't have them with me today but I can scan the Set Aside Note I got today as I have that with me, but I wouldn't be able to scan the others in until Monday and then it would be too late- thanks for your advice though

I have just telephoned the court to ask why I have only just received this form when it was dated the 1st and could I ask for an extension. She said because the 6th June was a Saturday I could put my defence in by Monday morning, which I think gives me enough time to sort this out over the weekend. She did make some comment about WF added interest and has had various issues with "this lot" which I did find amusing. She said that I could use my reasons for having the CCJ set aside as my defence. I cannot put any of this up on the site unfortunately as the scanner is at work but all sites for loading photos are blocked and I do not have a scanner at home - sorry to be so useless! Apparently when I submit my defence it goes to the other side because at the moment I don't have to pay them a penny according to the Court as they have no Judgement to make me pay. She also said that if they win they could enter the CCJ again which I don't really want to happen so what I am going to do is continue to pay the £30 per month then it shows willing, she said that was a good idea. I told her that approx £5k of this is interest charges and all their other charges and I WOULD be disputing this amount, the other part of it is the loan which I took out. HOWEVER, this loan was part used to pay off the first loan I had with WF and I have been told that doing this is dodgy in itself! Ask away any questions and I will do my best to answer to get the best possible answers to you. I do have copies of the CCJ at home and I could take a photo and post it up that way if that is of any help to anyone? Thanks in advance LL