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  1. I think there is a difference between items which were bought for investment and those which were bought for use, or as a hobby. Im not talking about diamond necklaces and such - but the sort of costume jewellery that your grandmother (and mine) used to just wear for everyday. These things were not bought for "investment" but to give the owner pleasure. Same with the other items "girly" items I collected over the years. At the time there was little monetary value involved but these items are now "collectable" and have rocketed in value if you know where to sell them. But unless you know where to sell a collectable item and who is likely to want to buy it then its difficult to assign a monetary value to it. Stocks and shares - bonds - these have an established monetary value and - were bought for investment. Similarly paintings and jewellery which are locked away in safe deposit boxes.
  2. No i have been very careful not to exceed the savings threshold. Obviously if you have amassed a collection over many years then you are not going to have kept the individual receipts for all those items. Try asking your grandma to prove how much she paid for items she bought 10, 20 30 years ago. In my case I am fortunate enough to have written a book and several articles illustrated with my collections and dated over 10 years ago, so I can prove that I had large collections of items back then.
  3. Thanks. I know you have to be careful not to let the total "profit" exceed a certain sum in a year as one would still be liable for CGTax - I believe the sum is £11100 per annum.
  4. Does selling your own possessions that you have had for some years (eg jewellery, collectables) count as "income" for housing benefit purposes. Say you have amassed a large collection of something when you were younger and are now gradually selling it off on Ebay to pay for bills, household items etc.
  5. I phoned up the office just now and asked about the reason for the letter. The poster who said it might not have anything to do with my pension was correct - it concerns another issue which I was able to explain. The compliance officer was very nice and because of my mobility and agorophobia issues has swapped it to a phone interview at the same time. Because he explained to me what it was about I will have time to assemble certain documents before hand. I can look through them and anticipate what he is likely to ask. I also told him I was happy to send him by post anything he wanted to see in person.
  6. Ive already drafted a letter offering them a phone appointment and asking them to inform me in advance of the reason if different from above.
  7. Ive already drafted a letter saying that I believe they were given the relevant documents and information last time so I can see no point in being put into a situation which will damage my health. Ive stressed my mobility issues and lack of transport and also offered to do a phone interview if they simply want to hash over old ground. This just sounds to me like some jobsworth. And why a totally different office from last time? This one is even further away than the previous one they wanted me to visit.
  8. I claim housing benefit, CT and DLA. I am mobility impaired/housebound and also suffer agorophobia and panic attacks. Back in April I got a message to go to a compliance interview at local jobcenter about my HB. I wrote to explain that I am mobility impaired and suffer agoraphobia if I leave the house. I only go out to essential medical appointments. The letter asked if there had been any change of circumstances I had not reported to the local council. If so I was to discuss it with them. On examining my paperwork from with local council I discovered that they did not receive the statement I believed I had sent regarding a new occupational pension. I quickly sent them the paperwork, they recalculated my entitlement and I had to pay back an over payment of about £300 which I have now done. I was unable to reach him by phone (always voicemail) wrote to the compliance officer explaining all this and holding up my hands that I had been careless. I emphasized that I was too ill to attend an interview in a busy jobcenter. I sent all the paperwork they asked for and a full explanation. I emphasized that having to attend such an interview would probably bring on a full panic attack. I also emphasized that there was really no point as I had squared matters with the local council and the overpayment had been repaid. In due course the docs were returned and I heard nothing more. Obviously I thought I had heard the last of it. Ive just received an identical letter asking me to go to a different job center- this time further away. I am pretty upset because there have been no other changes of circumstances I have not reported. I though this was all put to bed 6 months ago but obviously someone forgot to put a tick in the appropriate box. In my previous letter I said I was willing to do a phone interview or a home visit but I never got an actual reply - just my docs returned. Ive tried ringing the number on the letter but it just goes to voicemail. I dont really want to talk to anyone on the phone as I am apt to panic in these circumstances. I am inclined to more or less write the same letter – emphasizing the risk to my health – and enclosing my previous letter which explained the circumstances of why and how I repaid the overpayment. I have a friend who says he can drop it in at the jobcenter so they cannot claim I did not contact them.
  9. There is a follow up to the above. I never heard back from Bank of Scotland and decided to quietly wait for the debt to become Statute Barred in May 2014. More recently I heard from Lowells that they have purchased the debt from BOS. I sent them the "who are you I have never borrowed anything from you I demand proof" type letter." They returned a bunch of old credit card statements and a copy of the SAME document (the application form) which I originally received from BOS. I have heard via the newsletter that Lowells are getting nasty and sending quite a few people statutory demands for quite small sums. It seems they are using these as a debt collection tool. However the same newsletter advised that one can apply to have a bankruptcy hearing set aside if there was a serious dispute with the original creditor and/or they have failed to satisfy a CCA request. I have not received a SD from Lowell. However they now seem to think they can demand payment having sent a duplicate of what BOS initially sent. My inclination is to send LOWELL a CCA request to themselves, also explaining that what they have supplied is not acceptable as it is merely an "application form" and making it clear that I had a serious dispute with BOS over the alleged debt which was never satisfied. Any further advice would be appreciated.
  10. I recieve packages twice monthly from USA via DHL and have done so for some 5 years. When I recieve a duty/VAT invoice I pay it at once either by phone or online. However several times they have failed to send me an invoice. Or I check up under my account no on their online payments system and it indicates nothing owing. So I have no means of knowing that I owe them money. Recently because of this I recieved a letter stating I owed £85. I immediately phoned, paid by debit card, and was assured my account was now "clear". However the invoices for which I had paid were still showing on their e-payments system as owing over a week later. A second phone call assured me that my account was clear and the system would "update". It never did. This week I recieved 2 VAT/duty invoices but was unable to pay them online as the system said the numbers were invalid. I phoned the appropriate dept and they said "we cant deal with this you must phone this other dept." Thus I was given the distinct impression I was dealing with another "department" of DHL called Control Accounts. I phoned this "dept" and paid the invoices using their automated system. I was disconcerted to be charges £1 for using a debit card and this raised my suspicions that all was not as it should be. I then googled DHL Control Account and found it to be a collection agency. The two invoices were dated 30th May and today is the 12th June, so it appeared that these had been passed directly to a collections agency without ever giving me a chance to pay them first. Is this legal? When I made the error of ringing Control Accounts to attempt to sort out the matter I got an abusive "lady" who told me I should have paid the invoices "immediately" and they were "12 days overdue". She was uninterested in the fact that I had only that morning recieved them. I then made a formal complaint to DHL by sending an email to the CEO (info available on their site if you search for complaints) and within 1 hour of opening business I was called by a lady from the CEOs executive team to assure me that they were sorting the matter out. She gave me her email address and direct phone number and urged me to get back to her if matters were not settled to my satisfaction within a few days. I also got a call from the lady at the debt collection agency to inform me that a senior manager had called her and recalled the account to DHL. I told her I was not happy about the way she had spoken to me andshe apologised. It is my belief that by inferring that I was being passed to "another dept" who were dealing with my account DHL are in breach of CPUTR 2006. The staff used misleading tactics to conceal the fact that the account had been passed to a collection agency and not to some other branch of DHL who happened to be dealing with the matter.
  11. Yes thats what I assumed! What I have appears to be a "photocopy of a photocopy" from A&L's dead records. I am also in doubt as to whether this is even the correct agreement. The default was concerning an A&L credit card but what I can read of this document refers to a "Keyway" account. This as I recall is a very old type of A&L account which eventually in the course of time became simply an ordinary current account. Indeed I still have this account! So I am pretty sure its the wrong document entirely. Perhaps there are some members with aged A&L accounts/experience who can recall what a "Keyway" account was. I will send the "account in dispute" letter in response. Thanks.
  12. I have a very old debt (1995) originally with A&L currently with Arrow Global/Rockwell. I paid off this debt until May 2009 through a CCCS DMP and it has been passed through several DCAs. At that point I stopped paying. It it currently with Arrow Global and being managed by Rockwell. I was sent a letter by Fenton Cooper on their behalf. I recently sent a CCS request and have been sent in response a very indistinct and blurred photocopy of what looks like my original agreement. The photocopy has reduced the pages which were originally A4 to about A5 size. This was supplied by Santander (my current bank) Even with a very strong magnifying glass it is impossible to read the terms and conditions of this document to ascertain whether these contain the prescribed terms. This is because the copy is poor, dark and blurred. I am willing to post this online but doubt that it would serve any useful purpose for experienced members to look at. My reaction is to write back to the sender and tell them that this document is unacceptable. I assume that a "true copy" would be something that was the same size as the original document and a legible copy. This would certainly not be acceptable to a court. Before I do this advice would be valued.
  13. Can you not find out who the client is and check if the debt was included on your IVA? Surely that would have been the responsibility of whoever supervised your IVA. Assuming that the debt WAS included then you should no longer be getting chased for it.
  14. I have a very similar sounding letter from Freds - the second such. Its for a disputed debt with Arrow Global for which I CCA'd another company back in December 09. It will be SB in 2 years so I guess they are going to just keep passing it from one DCA to another in hope that I will pay up. He he.
  15. A few months ago I got one of those postcards from a DCA (Westcott) addressed to "the occupier". I rang the number (using an unregistered mobile) and gave the impression that I was the landlord who owned the property - without actually saying that I was. "I own some property in XX and Ive had this card addressed to "the occupier" asking for me to get in touch with Alex" Well I do own some property in XX - I didnt say it was a house! I asked what they wanted and the chappie said " We are trying to get in touch with one of your tenants on a personal matter. Do you have a tenant called XXX?" I told him "Yes she left over six months ago to take up a job outside the UK and the only contact address I had was a post restante in XXX but she sent a card telling me not to forward any more mail as shes moving on" The chappie said "Oh thanks for the information. I will update our records that shes no longer in the UK." Not heard a single thing from Westcott since and that was back in April.
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