When I was claiming benifits... When I started receiving CTC my housing was lowered but only £10 or something silly but I worked out better off after. The calculator in the above post is your best bet. You can see what you will receive...

To my knowledge the only thing I did was paid the bill using my card once due to her not having the funds in her account. we did live at the same address and the items were for us both if that helps...

Hi people sorry im not very good with this forum posting thing so if this is in the wrong place could admin move it for me A while ago my ex-partner had an account with JACAMO then a month or so ago i received a letter asking me to pay the amount owed on the account. I contacted the debt agency whom told me that i needed to contact jacamo i did this and somehow now the account is in my name. i sent them a CCA request i think it is called using a template that came from your site. Jacamo has replied with 4 different copies of my so called credit agreement but where it says customer signature or date its just blank ? I wrote back to Jacamo asking for an explanation to which they replied: "We enclosed a "true copy" of your credit agreement, along with the current terms and conditions applicable to your account, to which you have agreed. We have also enclosed an itemised breakdown of the account dating back to when the account was opened. When responding to a section 78 request, a lender does not have to provide a photocopy or other literal copy of the executed agreement nor provide a copy bearing or some other proof of the customer's actual signature." I dont how they can provide me with a form which i could have printed and say that proves that the debt is mine? can any one elaborate to me what they are saying as it doesnt make sense to me surely i needed to sign something to say it was me accepting there credit? what should i do now should i decline there requests for my payments or just set up a payment plan and accept it as i dont want to ruin my credit ? many thanks

Today I wake up an I'm charged £80 in overdraft fees and lo an behold £12.95 for my gold account. Any help please ?

Hi, was wandering if any one could point me in the right direction. basically in September i cancelled my gold account over the telephone. in December i checked my statement to see that my account had been charged each month for £12.95 so i ring and im told this is for my gold account i explain that i have cancelled this to be told no i haven't so i ask for it to be cancelled they said they would do that for me now apologised but i was going to be charged £66 i arranged overdraft fees due to the fact i was charged the amount for the gold account. i explain this isnt my fault and apparently it was so due to my busy schedule i accept this. now i check my balance this morning and another 12.95 has been taken and i ring and still not cancelled after 1 hour on the phone im told this is all my fault and nothing they can do but again i will be charged £60 due to having an un-arranged overdraft again the money was the money the bank itself had taken for gold. i ask to go through to customer complaints and im told she would email them for me and i should here in a few days i ask for a reference number for the cancellation of the gold account and she says youll receive this at the end of the call the call then gets terminated so now im on the phone again going through it all over again.... just a quick update: after the last phone call im told i have to wait 7 working days so next Tuesday i will be contacted in regard to my call. but for each day i wait i will be charged £6 a day for un-arranged over draft ? doesnt seem fair. also i no longer work so the money i get in is benefits and they are for £50 a week so i will have no money again until February this is a vicious circle...... thank you also does any body know a direct number to customer complaints for RBS preferably not a 0845 as only have a mobile as no one on the phone seems to know how to put a complaint through other then they can email the complaints team for me ?

Hi people my girlfriend has a silly debt of nothing more then £30 she paid this debt. But the the collection agency are asking for the amount she has a statement with the payment from her bank to the collection agent but they are still ringing and harassing her weekly letters of threats. What should she do ? We tried telling them of the statement with payment but they said they don't care as they didn't receive it ?

well first i recieved a letter which was my own saying they couldnt provide what i asked for and sent my money back i then sent the second letter and hurd no more about it but then i signed into experian and the company which it was has a red mark on my name and when i was on the phone to experian i said what had happned and they said the company needs to remove it but i need to go through the stages my self ? ?

Hey so its been quite a while but i was checking my credit score on experian and i still have this on my records what should i do ? any help would be appreciated ?

im sorry but i didnt think it would matter the it was 14 days or 14 working days so should i wait untill 14 days not including sat and sun are up ? and do i post this to eos or freemans ? thanks

Hey so its been 14 days since my letter, i recieved a letter saying thank you for the request we have forwarded it to our client, that was from EOS but the client i presume is FREEMANS i also sent the letter the same day as to them and they havnt replied but the funny thing is the date on the letter from EOS solutions is dated 14/04/2010 so why did i recieve it on the 27/4/10... so what do i do now ? few pointers: i sent both EOS and Freemans the letter the same day. neither replied untill today which is 14 days after, today being the 14th day. The letter is from EOS whom say they forwarded my request of the original copy of agreement to the client. i presume the client is FREEMANS this is not in the letter thoe. today being the 27th but the date on the letter the 14th P.s as iv heard i give them 14 days if they sent me a letter today but dated the 14th saying they contacted the client as of tommorow the client would have had 14 days from the letter they sent surely ? Thanks in advance for the help

Freemans PLC, PO Box 1761, Sheffield, S96 5FS

just a quick update so i sent the letter the 23rd march and i recieved my own letter back last monday so i rewrote the letter with the new date and posted it yesterday, the wierd thing was the sme day my letter returned to me i recieved a letter from them saying my account had been sold on from them but a new company had brought it but asked them to get the payments from me ill write the letter up if u wnt it

hey people sorry for this my good friend was taken ill and i went to his in scottland so havnt had a chance to send the letter im going to re-print it now with todays date and go post office this is just sort of a memo to me so i no the date i did it haha cheers for the help guys any replys ill post up here

o.k thanks for the letter ill copy this and post it im a little confused on the signature thing ? how should i sign it ? many thanks mike

hey all thanks for the reply i recievd 2 letters from them to day and finally realised how much of a sizeable amount there saying i ow them its has more then doubled i dont know what to do should i pay it ? the first letter : Referance: ************ Our Client: Freemans ear MR M ******* Your debt has now been transferred by our client to EOS Solutions for collection As a result, the full outstanding debt of £1***,** has now become due for payment. option 1 It is in your best interest to clear the full debt now if you possibly can. to do this, please call our settlement team. option 2 we understand that ou will want to pay your debt, but cant find the full amount in the case, please make sure you call out arrangement team to deiscus the situation. dont forget please call us now, EOS solutions UK Plc the second letter had many pages of forms for paying in money at bank or post office and a letter saying thanks for the receant communictions please find enclosed slips to pay you balance.... What should i do ?

OK so i do nothing untill i recieve a letter ? thnks for the reply...

Hey guys im new to this forum and all these debt things but i about a year ago i paid off around 50% of a balance i had with Freemans then when i rang to pay again they said there was no such account i recieved letters so i kept ringin to pay becuase they were adding a big % back on nw it is other what it started i then maybe november last month stopped recieving letters but today i recieved 4 phones calls from a number i didnt no but i then got a call again and was told it was a marketing call but later i recieved another call and was told i needed to answer some questions firstly my name which they only knew me as mike not michael so i was a bit unsure but i was told i needed to confirm the information before i could be told what it was they urjently needed to tell me so i told him my name and adress he then said to me is ur d.o.b 01/2/89 etc which i then said no to as he had it wrong so being an idiot i told him my dob he then said i need to give him my debit card details i wudnt give him these so he said i need to pay off **** amount of money or he would send sum1 he then said he was arranging a £15 a month for 3 months then i would need to sort a full payment out i never said anything about this he then put the phone down i did a 1471 and googles the number and it was a EOS SOLUTIONS he never even told me this is there anything i can do ? any help would b apericiated...