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xv255

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About xv255

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  1. they can be but councils don't normally let that happen.... see here http://www.consumeractiongroup.co.uk/forum/general-debt-issues/131676-council-tax-ever-statute.html It once got told by a person who worked for in council tax for a Scottish council that they you always owe it and they will always go after it.
  2. There are some things that the bailiffs are not allowed to take at all; such as goods that are rented or hired. The regulations also say that the following items are exempt and can't be taken: "Such tools, books, vehicles and other items of equipment as are necessary for use personally in employment, business or vocation" "Such clothing, bedding, furniture, household equipment and provisions as are necessary for satisfying basic domestic needs of the person and family". This list is not very specific so you may find that bailiffs have a different idea of what items are necess
  3. ok, This is what I would do but iam not a guru 1) When you moved house did you email them, phone them or contact them by letter? Normally you would have had to provide them a final meter reading. You said that they confirmed your new address, and they would send the final bill. Ask for a subject access request from British gas this should show the contact and if they have your new address correct and a statement of charges. How did you pay before? 2) They have said that if they do not hear from you they will referrer it back to British Gas. I would send them a letter telling th
  4. Pudsey Take a look at this for Additions http://www.consumeractiongroup.co.uk/forum/dealing-debt-scotland/193888-help-credit-account-management.html may or may not help. Good luck
  5. Update... I am delighted. Got the default removed from my account. I have a letter to back this up and have checked with experian etc andit has gone. Interestingly when I tried to pursue this through the credit reference agency the day before I got the letter I got a reply telling me that it was all correct that the default was there... I wonder if they even bothered to check. Also additions wrote to me telling me that they would not be perusing the debt and they would keep the internal records / notes. I am tempted to write back and give them some grief regarding holding data under
  6. Nothing back from Additions. B******S:mad: however i am not stopping there. I phoned Experian and got told basically tough, Additions owns the data but they would query Credit Account Management on my behalf. More Letters The first to Additions I have raised a case with the Financial Ombudsman, lets see where that goes... The second letter to Credit Account Management So will have to wait ages to see if they generate anything positive. Any Law Lords on here know if I could take CAM to the Small Claims Court in in Inverness? i am up for it!
  7. Ok, This is what I am sending them, Wish me luck!
  8. Hi all, I had tried going down the old statement route but was told that it was on the computer so must be right. On a better note, I have just recieved a letter from additions telling me they are unable to locate the original signed documents enclosing a copy of their latest terms. Good news? How do I get the default removed? A letter to additions? Or to c.a.m or the referance agencys or all of them? Thanks for your help I feel that Iam finaly getting somewhere Dv
  9. Hi, Just credit checked myself and found a default notice from Credit Account Management. Company name: CREDIT ACCOUNT MANAGEMENT Account type: Mail order Started: 02/06/2007 Default Balance: £274 Current Balance: £286 Defaulted On: 22/05/2008 After digging I found that they act on behalf of Additions Direct. I made a purchase from additions in 2007 using a credit card (mastercard). I sent the goods bac
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