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EveOwes

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Everything posted by EveOwes

  1. Hi It did originally, it was supposed to be 900/month approx of which £317 was a personal monthly allowance. However, they kept finding ridiculous reasons for sanctioning me (eg my list of job apps was insufficient for one day or so) so I never got the personal amount for most of the time, and just got around £560 ish for rent. Then it all just stopped, with no explanation, until I got someone from some agency or other involved and they found out it was because of my pension. So I then applied direct to the council who awarded me £264 a month which, along with my p
  2. I filled in both Benefit Checker and EntitledTo and both say I'm entitled to approx £160/week in UC and c/tax support. So will be chasing that later and asking CAB to help as I was refused UC during 18/19 because of my pension. So angry with DWP. My local housing allowance for one bedroom is £172/week but I don't know what that means to me, and it must be included in the workings they both must have gone through to arrive at the £160/week. thank you for your help
  3. Thanks both for the heads up with the checker sites - I'll take a look now.
  4. Hi I lost my job at the end of August. It was a contract which ran for 14 months and they wanted to find me a permanent role but Covid got in the way. I have applied for JSA but have been told I can't get it because I didn't work in 17/18 or 18/19. I was on UC for a while during these years but that suddenly stopped because my private pensions take me over the monthly threshold for UC. My monthly pensions total £640 approx. My rent alone is £800/month then there's all the other bills. I have applied for housing benefit but haven't received
  5. Thanks, I've told her. Again. We'll see if anything occurs. But I've said to her not to put anything in writing to them.
  6. Oh dear. Mercantile have spooked my daughter as the alleged debt is in her name, with their letters etc. Today they texted her she called them, explained the events etc and said she was willing to go to court as she felt there should not be anything to pay. She told me they were very polite etc and asked her to put everything in writing to them. They mentioned something to her in the text about their not needing registration etc as the debt wasn't covered by the consumer credit act as there was no signed credit agreement. Help, what should
  7. If Im in and answer the door I will tell them to leave, and record it. But might be better to not be there. Thanks for the advice and for the register snapshot.
  8. Thanks DX useful to know. Two men is a bit mob handed though, so I will perhaps go out for the day or something. But if I bump into them I will not engage, just hope the kids don't see them - you know what kids are like, can't resist being 'helpful'. These lot don't sound very nice to be honest. Seems like they don't care what tactics they use.
  9. Hi We got another letter today, this time threatening to attend our property etc - I will attach a copy I won't answer the door, there's going to be two of them, and I will have young kids here - don't know what to do and feel threatened by this now. I will be scared to go near my front door or leave the house etc...... Help, what should I do? thanks
  10. Thanks Ericsbrother, that's useful to know. I find it odd that a posh golf club would still be pursuing this four years later when they've had £450 for the room anyway. Seems an odd 'debt' to chase after all these years.
  11. Thanks DX. So does that mean we should ignore it until we receive a PAP letter?
  12. The above named is the golf club in the subject header The letter was signed for and on behalf of PACE Credit Control, t/a Mercantile Legal & Commercial Services.
  13. thanks DX but the exact wording on their letter is: "We act on behalf of the above named to whom you are indebted in the sum of £696.50 being the balance outstanding on invoice number 11030 copy enclosed. Unless we receive your remittance for such sum within 7 days of the date of this letter, payment to be made in favour of ourselves, we will have no alternative but to issue immediate court proceedings for recovery of the debt, which will render you liable to costs and interest at a rate of 8% per annum. If you have any legitimate dispute or reason for non-p
  14. Hi. I don't know if anybody can help but was wondering if any of you had heard anything about this firm from Liverpool or had any dealings with them. There is an alleged outstanding debt we had with a golf club from 4 years ago. A family member arranged to throw a surprise birthday party for a couple of people but when one of them found out he made a fuss so the event was cancelled. £445 was paid as a deposit which was not refunded and which was the cost of the room hire. An amount of £696 was outstanding for food but the event was cancelled several weeks before
  15. Thanks Jamberson, I can see your logic, but with three tickets and three separate bodies I am looking at a further £700 approx in EA visits. And I'm sure they will visit just to earn that fee income. I will write to them all and see what happens. Can they force their way into your house? Are they the sort of bailiffs you see on the tv?
  16. I spoke with TFL and they don't care and will send it to enforcement who can seize my goods etc.
  17. Hi I've got two PCNs from two different London boroughs and a congestion charge from TFL. The two PCNs have been sent to the traffic enforcement people for a warrant to be issued. The TFL one is probably going down that road now I reckon as it went from £80 to £160 and now at £240 to be paid by last week. I called the traffic enforcement people and they told me to approach the councils to ask for time to pay. Ditto TFL. I tried for several months with the councils but they won't give me time to pay which is why the tickets have gone from like £60 to £128 and £173. Actual
  18. Hi. Didn't know what I was signing though - I thought (was given the impression) it was a formality. I've been doing some reading and it seems these people are good at getting people to sign and not giving cautions etc. The caution would set off anyone's alarm bells which is probably why many of them don't actually issue it. Nasty pieces of work. I will plead guilty, but will follow up my complaint against the person that mislead me. thanks
  19. ok thanks. I will just send it back and hope for the best.
  20. Hi I have been summonsed by the TV license people. TV licensing cancelled my DD when it bounced. I hadn't noticed as I'm always broke so there's not much point checking bank app. Being a quarterly bill as well made me forget about it. They wrote to me and I phoned them and they said they would send me out a card to use at PayPoint to pay for a license. I never received this card. Next thing I get this guy at the door being all friendly like and asking about licence and TV usage. I told him I play prerecorded stuff for the kids (which is true as I don't watch T
  21. Hi Statements recreated/not original - why is that important? These look like they are computer generated. The CCA pre April 2007 seems (to my untrained eye) to contain the minimum requirements with possibly the exception of details of my right to cancel which isn't clarified and was 'sent in the post' to me. The signature is mine. I never requested a copy of the default notice.
  22. The statements have been recreated and not original......the agreement is an application and questionable (Pre April 2007). No copy Default Notice. Did you receive and complete the PAP questionnaire before this claim was issued ? I must have received the PAP thing beforehand as I found it I think when filling in CAG questionnaire, but I didn't fill it in as I was not answering/opening/responding to mail. So does this make a difference?
  23. Yeh, it's £20 council tax current home to clear debt, £15 to Rundles for another council tax debt for a property i didn't live in but couldn't sell due to being duped by freeholder (another story, and something I will try and deal with at some point but dates back to 2013 I think); the debt is quite high at approx £3k due to greedy council adding 50% for non-occupation, £10 parking ticket debt which was £435 cos of bailiff visit (council ticket) and which is nearly paid up now (about £20 left to pay), £3/m against a CCJ I had recently and total debt is around £500 incl cou
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