i must admit when i heard about how this is run it just didnt sound right to me at all im guessing there is not a lot that can be done in regards to the situation shes in right now?

im hoping somebody out there can shed some light on an issue a friends of mines girlfriend seems to be having in regards to "Self Employment" i`ll try keep this as breif as possible my friends girlfriend was short of money and saw an advertisement in the local paper in regards to a job working from home the job description was "people required work around your own schedule" she rang for the job and subsequently was hired that same day the business owner showed up with a peice of printed paper basically saying "You Are Self Employed and are NOT employed by (business name here) he got her to sign this paper at the bottom but he failed to sign it himself since she started this job hes incrased the work load by quite a lot and is paying her £4.50 per hour my question is what can i do to help her as if she is self employed what proof of this would she need for tax/N.I contributions as the way i see it he dictates the work load and pay and provides no payslips surely she cannot be self employed? my apologys if this post is in the wrong forum but i want to help her get some answers

thanks for the reply im hoping your right as alli have done is enquired and it was bad enuff to be told from the disability employment advisor "we wont help you pursue this course as you have never worked in that job before so..and.being told im on the sick and should remember that (well that for me was just an insult) yes im on this horrific benefit thru an accident that wasn`t my fault and i never wanted to be on benefits at all i was very happy being a working man paying my taxes its soul destroying the way the benefits system is worked as it seems if you want to better yourself they just tread on you but if i wanted to mooch the state for the rest of my life im sure they would let that happen sorry for the rant im scared/confused and angry at whats happening it just seems insane this is happening all because i enquired about retraining for the future i guess they cant understand or comprehend the fact there actually are people out there who dont want to be on benefits and would love to better there lives

i`ll try not to make this to long a read but heres some information before i explain my dilemma 4years ago i was in a horrendous accident and broke my pelvis and spine after months of hospitalisation and plenty of pain i found out from my local gp that iv crushed nerves in my spine and was written off on incapacity benefit as ya can imagine after 4 years of being in a black hole i decided i would enquire about 1 day getting back into work and gettin my life back together rang my local joke shop (sorry i meant job center) spoke with a Disability Employment Advisor i asked about help in obtaining a fork lift truck licence and was told in not very many words "you have no chance as we wont help fund that for you as i have no previous expreience in this work" i think (ok well how are ppl sposed to obtain new skills then?) after leaving it at that for a few weeks i decided to ring back and try chase this once again after a few mins on the phone with the same empty headed disability employment advisor and a heated debate(lol) she said not gonna help me at all and im on the sick and should remember that (she then slammed the phone down) 2weeks later i get a letter from the dwp/job center with "an invitation to office interview" with the wording we need to see you in order to discuss the benefit we are currently paying you because a query has arisen on your claim so i went to the interview and as soon as i walked in the customer complience officer told me thers been an allegation made against me about my claim and entitlement to be on incapacity benefit wouldnt tell me who made the claim (but foolishley he popped out and i saw who made the allegation against me the Disability Employment Advisor who id argued with a few weeks before) now im sat in limbo stressed out wondering whats gonna happen to me now does anybody know the procedure on what happens next all the bloke told me was its gonna be looked into and a decision will be made (no time frame on that decision at all) am i going to be punished foe mearley enquiring about possible training in the future? sorry for the long read people but im so worried its not even funny

can anybody point me in the general direction for the Account In Dispute letter please sorry to be a pain just dont really know what to do about this anymore lol

just recieved a letter today from Energy Collections Service on behalf of E.on basically giving us 1 day to pay £666.51 before further action is taken against us we do owe the debt and want to pay them monthly payments but my gf who has tried to come to some agreement with them before says they want unreasonable amounts per week/month to clear this debt is there any way i can get them 2 meet me on a reasonable payment plan for this account there also threatning a pre payment meter/disconnection if we ignore this letter(disconnected i dont mind as we moved property and never let them know the new address) any advice would be helpfull

thanks for the reply fred dont spose you know where i can find a template for this Account In Dispute letter to send them regarding these 2 matters

just recieved another letter from the Halifax this time concerning the gf`s Bank Account overdraft id appreciate any help or advise as to what to do now i will attach the letter they have sent this morning and do you thik they have sent this letter cos we cca`d the other account? another letter from halifax picture by Deleted_album - Photobucket oh yeah this account is the 1 that they helped themselfs to the gfs job seekers allowance and housing benefit cos the account was overdrawn

the account in question is 3 years old

correct after the loads of pages of garbage they sent thru after a cca request from my gf they provided NO document with a signature at all dont know what to do next to be honest with you this stuff makes my head spin

iv uploaded them onto a photobucket account and hopefully they will have the clarity so that others can view and comment on what they have sent me as i have no clue about this matter this is the link for the pictures Pictures by Deleted_album - Photobucket any advice on this matter would be appreciated thanks in advance

im sorry i dont have any way to scan the documents and upload them the 1st page after what iv allready typed out is a credit card agreement regulated by the consumer credit act 1974 and sets out the parties involved/key financial information then its got Other financial information and after a further 5 pages of the terms and conditions its got ANOTHER page saying Credit Card Agreement Regulated By The Consumer Credit Act that page starts off with 1.Parties..the parties to this agreement are Bank Of Scotland plc. The Mound,Edinburgh,Eh1 1YZ and miss (the gf`s name) 2.Key Financial Information Basically the same copied papers as on the 1st page that states Key Financial Information basically 8pages copied front and back of the same terms and conditions and NOTHING with a signature on from the Gf i was under the impression that the cca request was for a Signed Original copy of the agreement? not a reconstituted quickly copy+pasted copy of the same terms and conditions Twice but as they say in there letter "PLEASE NOTE WE ARE NOT REQUIRED TO PROVIDE A COPY OF THE ORIGINAL SIGNED AGREEMENT UNDER SECTION 78 OF THE CONSUMER CREDIT ACT" sorry couldnt upload them just dont know what to do next about this scenario with the halifax joke of scotland

sent the cca request off on 4th november(To Blair Oliver Scott) and today got through the post a letter from Halifax Card Services dated 17th november saying Thank You for your statuatory request for information with respect to the above agreement Enclosed is a Copy Of The Reconstituted Version of the excecuted agreement and a copy of the current terms and conditions as you had not made the required payment you were served with a default notice your agreement was ended on 02/10/09 and the full balance became due as such at the date of this letter the full balance of your account is £*** *** is in arrears and due for payment as the agreement has ended there is no credit limit in place and no intrest is being charged on the debt owing PLEASE NOTE THAT THE INFORMATION WE HAVE PROVIDED YOU IS ALL THE INFORMATION WE ARE REQUIRED TO PROVIDE YOU WITH UNDER SECTION 78 OF THE CONSUMER CREDIT ACT.PLEASE ALSO NOTE THAT WE ARE NOT REQUIRED TO PROVIDE A COPY OF THE ORIGINAL SIGNED AGREEMENT UNDER SECTION 78 OF THE CONSUMER CREDIT ACT. ----------------------------------------------------------------------- does this sound about right for what follows after a cca request? and whats my best move next any advice would be appreciated and do they have to send the original signed document or is this correct that they DONT have to send a copy of the original im confused and dont know what to do now

sent the cca request off on 4th november and today got through the post a letter from Halifax Card Services dated 17th november saying Thank You for your statuatory request for information with respect to the above agreement Enclosed is a Copy Of The Reconstituted Version of the excecuted agreement and a copy of the current terms and conditions as you had not made the required payment you were served with a default notice your agreement was ended on 02/10/09 and the full balance became due as such at the date of this letter the full balance of your account is £*** *** is in arrears and due for payment as the agreement has ended there is no credit limit in place and no intrest is being charged on the debt owing PLEASE NOTE THAT THE INFORMATION WE HAVE PROVIDED YOU IS ALL THE INFORMATION WE ARE REQUIRED TO PROVIDE YOU WITH UNDER SECTION 78 OF THE CONSUMER CREDIT ACT.PLEASE ALSO NOTE THAT WE ARE NOT REQUIRED TO PROVIDE A COPY OF THE ORIGINAL SIGNED AGREEMENT UNDER SECTION 78 OF THE CONSUMER CREDIT ACT. does this sound about right for what follows after a cca request? and whats my best move next any advice would be appreciated

sorry for double postin the same topic :$ and thanks yet again for the advice what should i do if and when they send more threatning court letters while im waiting for a reply from the cca request

right im personally gonna make sure this cca request gets sent off today cos im fed up with all this garbage and well hopefully at some point in time this will all get sorted out im trying to talk he rout of ringing the muppets up cos im sick of hearin about bloody blair oliver scott lol hopefully they will fail 2 send this thru

she spoke to ccs this morning and they advised her that the token payments she was paying to halifax will have to be payed to Blair Oliver Scott i dont think there going to like that too much

yeah this 1 is for credit card and as for the cca i dont even know if she sent the request letter off as iv not been here the past week if she hasnt sent that in is it too late to do so and see wht reply they give shes currently talking about ringing blair oliver scott and tryin 2 sort this out but i dont think she will get anywhere with that

Notice of intended Court Action Halifax Against my mrs formal notice is hearby given that our client has instructed us to commence court proceedings against you without delay Papers are now being prepared for commencement of action thru your local court to seek a judgement against you YOU MUST MAKE A PAYMENT NOW TO STOP THIS ACTION BEING TAKEN then its got a number to call to arrange payments i dont know what to do

just recieved a letter this morning stating blair oliver scott are starting legal proceedings now what can we do about it? as far as im aware the halifax are still recieving and seem to be happy with "Token Payments" of £1 a month any advice would be appreciated cos this has started wwIII in my household this morning

just recieved a letter from blair oliver scott now saying there starting court proceedings what do we do now? any help would be appreciated as the halifax is recieving and seem to be happy with a "Token Payment"of a pound a month

hope somebody can gimme a bit of help i just recently moved into a new address with my girlfriend and new baby im claiming incapacity benefit and she was claiming income support she just found out that they stopped her income support ( never got a letter saying this tho) because shes not a lone parent anymore what if any other benefit is she entitled to? shes waitin to here about child tax credits but when she filled that form in she was on income support and (obviously) now shes not will that affect the child tax credits application? any help would be appreciated

once again thank you for your swift and helpfull response i really appreciate it and sorry if i sound like a true numpty on this subject but its all new 2 me and slightly worrying

sorry for sounding dumb (yet again) how do i go about requesting the cca from this company and whats the process involved in offering them a full and final payment cos i can safely say neither me or my girlfriend have £2,503.06 to pay blair oliver scot nor the halifax this stuff makes my brain hurt lol

thanks for the advice i think im going to do exactly what you have advised and see if they can get the cca back to us in time if not then i will take the next step