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  1. Have you applied for a mortgage loan or insurance recently?
  2. Found this too, hope it helps How can I receive a copy of my UK police record? Under the Data Protection Act of 1988, individuals have the right to obtain copies of certain personal information that may be held about them by the police. These rights are known as Subject Access rights. More information about your rights is available from the website of the Information Commissioner. People requiring police background checks on themselves for reasons such as visa applications, foreign residence applications or employment reasons, can use Subject Access to receive the information needed. To receive Subject Access information, individuals need to contact the local police force responsible for the area in which they last resided in the United Kingdom, and request a Subject Access form. The Police Forces of the UK provides a complete listing of police offices. In addition, police forces in all of the London boroughs is available from Metropolitan Police. Individual police force web sites provide various types of access to the Subject Access forms. Some police forces allow you to download the form in PDF format; other requests can be sent by e-mail; for others, written requests or telephone requests are accepted. Individuals are advised to follow the specific requirements on the individual police web sites. However, Subject Access forms are not available through Consulates in the United States. Submission of Subject Access forms must be accompanied by a fee (usually £10, but check with your local police force) as well as proof of identity. The original copies of the following documents will be accepted as proof of identity: Birth Certificate, Driving License, NHS Medical Card, Vehicle Registration Document, Household Utility Bill (Gas, Electricity, Telephone etc.), Bank, Credit Card Statement or any other official document that has your name and current address on it. Any combination of these suggested documents should be able to confirm your full name(s), date of birth and your current address. Under certain circumstances, a police office may accept notarized documents, and individuals are advised to contact their local police force for additional information. Subject Access information can take two forms. Individuals can request information held by their local police force or information held by the National Identification Service (NIS) at New Scotland Yard. The latter is the information required by prospective employers, visa or immigration authorities. Local police forces, upon receiving your Subject Access information form, your fee and your identification material, will check your application against proof of identity. The request will then be forwarded to the National Identification Service at New Scotland Yard for processing. It is the responsibility of the applicant to ensure that the Subject Access form is received at least 40 days prior to the date on which the applicant requires the material. Applicants can receive additional information on Subject Access information and forms from their local police force or from the Metropolitan Police: Metropolitan Police New Scotland Yard Broadway London, UK SW1H 0BG Tel: +44 20 7230 1212 Fax: +44 20 7230 4276
  3. Hi Ya My OH just went into station an asked for a printout of whats on their screen. They obliged, not sure if they had to
  4. I and I expect I speak for many people on here would LOVE to be in a position to pay all my debts off in one go. But im not. If the companies were a little more helpful and didnt whack ridiculous fees on i sure more debt would be paid off.
  5. lol You got to keep smiling , becuase these XXXX cant actually do a lot to you , they thrive on being in a little bit of power but mostly what they tell u is poop. My outstanding CT bill was over 3.5k so yors isnt too scarey ! Try not to panic and enjoy your children x
  6. I am not 100% sure but am pretty sure I have seen on here that Depression is a reason to be declared Vunerable. I was hoping someone would come along and confirm this or tell me im talking pants ! Hold fire before sending that letter Im sure someone clever will be along shortly x
  7. Council Tax (Enforcements) Department Invincible Borough Council Address 1 Address 2 Address 3 Postcode [DATE] Dear Sir/Madam Re: [YOUR NAME & ANY REF]: Visit by your bailiff I write further to your visit by your bailiff and confirm I have been medically declared by a doctor to be a vulnerable person for the purposes of civil enforcement in the meaning of the National Standards for Enforcement Agents directives. Where a debtor falling into a vulnerable persons category is discovered by an enforcement agent, the matter shall be referred back to the court and no seizure of goods may proceed. I therefore ask this case be taken back into council administration within seven (7) days of the date of this letter and confirm in writing to me at the above address. This document is delivered by Royal Mail and I deem it good service upon you by the ordinary course of post under Section 7 of the Interpretation Act 1978. It is your responsibility and in your best interests this letter is handed to the relevant person within your organisation. Yours Faithfully
  8. Im pretty sure I have seen somewhere that depression is classed as vunerable I am trying t fnd a letter I have seen for you to send to the council. In the mean time I am sure someone will tell me if I am wrong regarding the depression/vunerable bit. Carry on paying if you can , what you can online at the concils website. They cannot refuse this, even if they say they can ! AND it will look good if it did go back to court
  9. Vulnerable situations Enforcement agents/agencies and creditors must recognise that they each have a role in ensuring that the vulnerable and socially excluded are protected and that the recovery process includes procedures agreed between the agent/agency and creditor about how such situations should be dealt with. The appropriate use of discretion is essential in every case and no amount of guidance could cover every situation, therefore the agent has a duty to contact the creditor and report the circumstances in situations where there is potential cause for concern. If necessary, the enforcement agent will advise the creditor iffurther action is appropriate. The exercise of appropriate discretion is needed, not only to protect the debtor, but also the enforcement agent who should avoid taking action which could lead to accusations of inappropriate behaviour. Enforcement agents must withdraw from domestic premises if the only person present is, or appears to be, under the age of 18; they can ask when the debtor will be home - if appropriate. Enforcement agents must withdraw without making enquiries if the only persons present are children who appear to be under the age of 12. Wherever possible, enforcement agents should have arrangements in place for rapidly accessing translation services when these are needed, and provide on request information in large print or in Braille for debtors with impaired sight. Those who might be potentially vulnerable include: the elderly; people with a disability; the seriously ill; the recently bereaved; single parent families; pregnant women; unemployed people; and, those who have obvious difficulty in understanding, speaking or reading English.
  10. Well done for getting help Dont disapear Im trying to find something for you x
  11. Hi Just wondered what medication are you on? Not being personal or nosey but it might be you are classed as a vunerable person. Try not to panic , lots of us has been in your position and come out the other side:) xxx
  12. Posted this on the other post your talking crap on. Just incase you didnt see it, here it is again. Its not burying your head in the sand. I have rang a bailif who advised me "We do not just come in through open windows and doors" I asked him if he was Santa as the only other way he would get in peacefully is down the chimney. He then told me "Its not usually peaceful". He then told me I cannot pay an istallment plan. He then told me £670 fees on a £1000 odd bill was acceptable. Shame at the time I hadnt been advised by CAG to never speak on the phone. If I had all those lies in wriing I would be laughing. Lucky for me I had a lovely dad who paid my bills had I not, I can guarantee you a bottle of paracetamol were looking like the best option. Whilst I agree whple heartedly we should pay what we owe, I do not accept that we should be bullied and manipulated by these little power trip freaks into paying what we cannot afford. Thank God for CAG . Im a pretty tough cookie coming from where I come from but the telephone call from the bailiff left me contemplating suicide. Thats why I would never CALL one again. And grown up or not... They are tossers.
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