Hi there, I'm currently suffering with what I think is an abscess and need to go see a dentist. The problem is I can't afford it. I don't work but I'm not claiming benefits so can't get free treatment that way. Would I qualify for free treatment on the low income scheme, even if I don't have any income at all? The other problem is the only dentists taking peopl on round here are over 3 miles away and I have no way of getting to them. Is the only way I can get treatment for this through a dentist or could the hospital help me if it gets any worse. The problem is aswell I can't afford to pay for treatment and then be refunded later, the treatment will need to be free when I get it. So if I can qualify for free treatment, how long will it take before the free treament becomes active? Hope that makes sense Thanks, Hay

haha I should do that! Funnily enough my partner isnt far off that Soory for the no reply, been doing new job related stuff (w00t new job). Actually decided to read the letter properly and its actually for vodaphone so am sending a 'not my debt' letter. Have posted that in another thread here : http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/211694-eek-vodaphone.html#post2322161 Thanks for all the replies though

Hi, thanks for the reply. Sorry its taken so long to get back, just started a new job - w00t! Basically I was payed for the whole claim, so there wouldnt be any arrears they needed to pay me. Also, I never had an appointment when I ended the claim. The first appointment I was ever given was this one....several months after I ended my claim for ESA. On a side note, this week I received a letter saying I was no longer entitled to JSA....even though the last benefit i was on was ESA so not really sure where they got that from. Also got a letter this week from a company called seetec who help people on ESA back to work telling me I have an appointment with them. However, I also phoned them personally and told them I was no longer claiming. So as it stands Jobcentre+ seem to think I'm on JSA and ESA, and ATOS and Seetec both think I'm on ESA, even though I've informed the jobcentre and seetec that I'm not on either. My word this is confusing

Right, so here's what I'm sending off to them tomorrow, with a bit added by myself It's cheeky time Dear Sir/Madam Account no: You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves. I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name). I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question. Any further demands for payment without evidence of my liability will be met with a further copy of this letter and a charge of £10 per letter levied against you. Should I receive any more of these demands without the requested evidence, it will be deemed that you are in agreement to pay the £10 sum per letter. I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions. I/we look forward to your reply. Yours faithfully (Your Name) Print do not sign Just wish I could see the looks on their face when they get that. Even if it legally doesnt mean anything, just turning the tables and being cheeky is good enough. Plus I think it would be a fair basis for compansation if I ever took them to court. (ah thats why I love this site, 6 months ago I wouldve been a wreck thinking they might take me to court.......now I'm talking about taking them to court and I don't even know if it's my debt) Oh happy days

Typical, you try to get them to go away and they ignore you...... Thanks Saintly, I'll get that off to them in the morning, and wait to be promptly ignored. Oh the joys of dealing with these muppets. Just had another read of my letter and it seems they're acting on behalf of Vodaphone rather than having actually bought the debt. Is there a letter I can send them to say I only want to deal with Vodaphone. I'm sure I saw one like that once but can't seem to find it now. Does anyone know if this exists or have I just eaten too many picnic eggs and gone slightly crazy? (picnic eggs past midnight ftw!!) Thanks for the swift replies.

Hi everybody Received a lovely letter today from a DCA regarding an account with vodaphone in the sum of around 300 of your english pounds. (if you're wondering the DCA is Wescot) I read somewhere that the CCA doesnt apply to mobile contracts, so I just wondered what the next course of action would be for me, and if the CCA doesnt apply, does this mean they can basically send me anything and I just have to pay? I'm also not really sure if it is actually mine. I only remember having 1 mobile contract and that was with Orange, but it is possible that I've forgotten having one with them. I also don't see how I could have used £300 of call credit in a month. I say a month because I asked a friend who works for vodaphone and he said they cut you off from making calls if you don't pay your bill. So anyway, hope that all makes sense, and any suggestions as to the next course of action would be very much appreciated Thanks everybody!

Hi all, last november I started claiming ESA, signed the forms and obviously gave permission at that time for the jobcentre and any other relevant agencies/departments to use my personal details. I stopped claiming in April/May and since then have continued to receive letters from ATOS healthcare about attending for a medical assessment. Clearly therefore, they are still processing my personal and confidential details when they no longer have the authority to do it. I realise that Jobcentreplus may keep my details (which I agreed to) now that my claim has ended as they are not only a government department but also need my details for tax/fraud/repayment purposes etc. However, as ATOS are a private company are they still legally allowed to process my confidential details (relating to my health etc) when I am no longer claiming any benefits. The jobcentre themselves are obviously aware that I am no longer claiming, but they are also aware that ATOS are still processing my details (as they sent me a letter asking why I didnt turn up for an appointment with ATOS). I will shortly be replying to their letter regarding why I didnt turn up (errr, check your system, i didnt need to) and want to know if ATOS still has an legal recourse for processing my data without my permission (permission was withdrawn when I cancelled my claim). If anyone can help it would be much appreciated, because as you can imagine im not happy about being bothered by a company every week who I dont have anything to do with. Thanks all

Thanks for that pmh, this is all gonna be a nice surprise for them My God I love this forum and everybody on it! All this stroppiness on their part already and I havent even been trying to avoid them lol. Ah at least it keeps me mildly entertained. If it wasnt for everybody here I would be so stressed about this so thank you again to everyone.

Thanks Bonzo I'll have to put that in when I send off my cca. Glad i decided to wait til tomorrow to do it. More things to annoy them......mwahahaha!

Thanks for the replies. know its all scare tactics, I actually laughed when I got that letter. Was just wondering if it was worth a complaint seeing as it was very misleading. After all, the average person who hasnt been fighting these types of muppets would most likely think it meant they could just come around with no ccj. Other than the OFT, should I write anything about it to them when I send off my cca? I was thinking about complaining about the threatening nature of their letter anyway....... Something along the lines of.....I found your letter to be extremely misleading and personally threatening. I am not sure as to why you felt you should be so threatening. I have never heard from your company before, and would have expected you to have at least sent a professional letter informing me of this alleged debt before you decided to start being threatening...................... Basically because it sounds a bit condascending......and I do like to annoy these chumps sometimes What do you think? Will send out the cca tomorrow probably then update if and when i get anything back

Hi everybody I received a typical 'U OWE US MONEY' letter from wescot last week, with the usual blah blah if you dont pay we'll come and steal your soul nonsense. I'm going to be sending them a lovely cca for that because i'm really not sure the debts mine. However, there is something really quite worrying about the letter. Basically, about halfway down it says the following: 'If you ignore the instructions and fail to take action by ........ This may result in one of the following 1. Legal proceedings being automatically issued against you in the county court/Sheriff's court - which could result in: a county court judgement or decree against you your possessions being seized your debt increasing because of court costs 2. A debt collector being instructed to visit your home and collect the debt personally Now, its that second part. Is it just me or does that sound like they're saying they can send bailiffs round to collect the debt even without a ccj? What do other people think? I'm pretty sure that they can only send bailiffs with a ccj and that claiming to be able to send them without one is illegal. Even if they are just saying they will send them round, it makes it sound like they will legally be able to take things. Surely if they were being honest they would say at the end of part 2....you are not legally required to open the door and pay us/let us take goods without a ccj. Are they being deliberately misleading......if so what should I do in regards to this? Many thanks everyone! Lets keep fighting the good fight

Hi, thanks for your reply. Unfortunately Ive got no way of scanning it. I did find another nearly identical one though, the only differences being in the numbers relating to the apr. Otherwise all the wording is the same: hope this helps

Hi all, received a CCA from capquest on behalf of egg today and was wondering if it was enforeceable. Unfortunately I dont have a scanner but I'll explain what it contains. It is a 2 page agreement, dated june 2003. The first page has the date at the top and the second page has the date in the signature box, so it seems that the 2 pages are tied. However, whilst egg signed in june 03, my signature is dated july 03. In section 3, entitled 'Limit', it states..'We will tell you from time to time he Approved Limit we have set and, if different, the Individual Limit which you have chosen for the Account'. (no mention anywhere of an actual 'Credit' limit) It then lists 'Interest and credit charges', also on the first page. However, under this section it refers to a 'condition 12', which was sent to me in the small print (30 pages printed from the website). There is nothing to tie this small print to my actual agreement, and those 30 pages of small print are missing condition 18 completely. The rest of the first page has the repayments listed. they all seem to be fine. Second page of the agreement has 'Your Rights', detailing the consumer credit act 1974 and your rights. Also contains 'Loss or misuse of egg card' section. It then goes on to say 'By signing this agreement you confirm you want us to issue you with an egg card and that the details you have given us are true and complete and that you have read and accept the Egg card Credit agreement conditions'. However, these conditions are on completely different pages with nothing to tie them to the credit agreement, and as stated above are incomplete. It then ends with the oh so lovely...'this agreement will only be binding on us when we have completed and are satisfied with our final checks and other searches, and you have signed and returned the credit agreement to us' Then there are the 2 signature boxes. So, my question to all the wonderful people here is.....Is this enforceable....and if not, what letter will I have the pleasure of sending them? Many thanks