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About martinpar

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  1. I've found myself in an odd situation which no-one seems to be able to give a straight answer on. I've googled endlessly and found no similar cases. I'm sure my situation can't be unique but maybe it is. I was made bankrupt in 1998 and as a result the forfeiture clause in my personal pension with Prudential (originally Scottish Amicable) kicked in. This just meant that they would hold my pension in trust while it carried on building as before. The only difference being that on redemption any lump sum would have to be paid to someone else. Now I want to take advantage of the new rules by t
  2. Now that makes sense. I can go into the weekend happier now. Thanks very much.
  3. That's fair enough but it would have been helpful if he had mentioned it in his judgement. I can only assume that he didn't believe my income and expenditure. After all, if I can only afford 5 a month I certainly can't pay it in full. I'm going to send a new N245 with a covering letter to put some more meat on the bones of my financial position. Hopefully that will do it. The only other option for them would be bankruptcy, which will get nothing for them but probably benefit me more.
  4. Thanks. That's how I was going to do it. Just concerned why my 5 a month wasn't accepted first time and if that means it won't be accepted again. I can't manage more because I have no income of my own. Bailiffs won't do any better if they get sent in. Do I have any grounds for contesting the costs? Thanks.
  5. I assumed it was not necessary to attend as I was admitting the debt and included the income and expenditure information on the form. It just seems like that was ignored by the judge.
  6. An old debt, now owned by Marlin, resurfaced earlier this year. They issued a claim in May. I wasn't sure I remembered it at first (it was an old HSBC account) and the information suggested it was over the 6 years anyway. I put in a defence to this effect and they sent me information to confirm the debt was still active. I ignored this and they did nothing more within the 28 days they are allowed. Subsequently, they applied for the stay to be lifted and defence struck out, which was transferred to my local court and I put in an admission and requested tim
  7. I successfully prevented a warrant of entry being granted for a disputed electricity bill earlier this year, quoting the Electricity Act 1989, section 6. I am in a similar position with gas at the moment but can't seem to find an equivalent act for gas, which clearly states a warrant cannot be issued when a bill is in dispute. Scottish Power have ignored letters and emails regarding a wrong charge for a very long time and are now seeking a warrant since I stopped paying their bills in protest. Is there a similar act which I can quote, other than the 1954 act, which doesn't have a s
  8. Thanks. Yes I understand it is for both of us. I have gone well over the 13 weeks now. They sent me the form automatically after the 13 weeks. Guess I'll have to talk to the benefits office tomorrow about what to do.
  9. My wife cannot claim JSA because she is over 60. I know she can claim pension credit but the office advised I was better to make the mortgage relief claim myself as the limit is higher (200K). My wife obviously did give the lender written approval.
  10. Thanks for the response. No, it is a single application.
  11. I've been on income based JSA for a few months. The jobcentre have given me a MI12 form which I have to fill in and send to the lender for them to fill in. Although I queried the fact that the mortgage is in my wife's name the jobcentre said that didn't matter. The lender (London Mortgage Co administered by Capstone, now renamed Acenden- hard to keep up!) sent the form back uncompleted as I am not a party to the loan. My wife returned the form and insisted they complete it, since it was not up to them to make that decision. They have now returned it again and when I spoke to them today th
  12. Foolishgirl, thanks for that. He has stopped using the account and has a Lloyds account now. I will ask to move the post as you advised.
  13. Yes I think his feeling is that if they have no intention of allowing him to use his card and he does nothing there will come a time in the not too distant future when the debt will pass to collectors and won't accrue any more interest, whereas if he carries on paying the monthly minimum interest will continue to be added for a long time. He's not so concerned about his credit file. Well, yes and no. This is where with everything they do and say they contradict themselves. Good point and yes he has. It amounted to 100 and he told them he wanted them to send him the amount r
  14. Can someone offer some advice on this one please? My son had his HSBC credit card 'withdrawn' two or three months ago, coincidentally at the time he was challenging the charges on it. Every statement he's had since shows his credit limit unchanged at 1500. At the time they told him he could no longer use the card he was up to date with payments and under the limit. Their story is that it is an automated process which started some months before when he was behind and there was nothing that could be done to stop it (yeah right). They say he should carry on paying as normal and they will car
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