Hi just wanting to know if anyone can help me.just lost my job and i owe £2800 on a overdraft with the halifax bank and £2000 on a catalogue.but since iam unemployed a can no longer afford to pay these bills what can i do ? My head is all over at the moment. Please help me . . .

thanks for the advice so i am guessing i have no chance in winning at court

no just birth cerficate and wage slip.

Well i have never been to court before and just wanting to know if i have a chance of winning the case or what could be the worse outcome on this this matter.

there just photocopied my babys birth cerficate. there said there dont needthe tax credit letters there get notified automatically reguarding any changes in your circmstances..There also did give me a receipt

can anybody help me with this matter please ?

thank you

Hi could some one please help me I work part time hours and i have 4 kids and get help with my rent and council tax. which is housing benefit and council tax benefit. my 4th child was born in june 2011 and i went down to the office and notified them that i now had a 4th child and handed in my babys birth certicate i also showed a lady down at the office a letter from child tax credits with our new award and told me she didnt needed anything else from us. has tax credits and child benefit there get automatically notified. i thought fair enough and went home. back in april i received a letter for over £1500 overpayment in housing benefit and council tax saying we did not declare you new award of tax credits back in june 2011, and we must pay this money . so i appeal agaisnt the overpayment and because of me appealing against it. the benefit office have sent it to court which is middle of august 2012. could anybody give me some advice please.

Recived a letter back from fredrickson debt collectors today. saying thank you for your letter we have decided to send the debt back to the orignal creditior.you will not get any futher letters from us reguarding this debt.

Do you think i should just keep up with the payment plan with wescot.

No havent heard anything back i think i need to write to barclay card again. I also need some advice on this thread reguarding an old debt with BT if anyone can help. heres the link: http://www.consumeractiongroup.co.uk/forum/showthread.php?293306-Just-received-a-letter-today-from-wescot-debt-collectors.&p=3287984 thank you very much for any help....

hi guys just now ive just received a letter from wescot.Reguarding an 2 year old BT phone bill. I refused to pay my bt phone bill and broadband with them has the phoneline and broadband wasnt working properly.people could ring me and the phone wouldnt ring at my end.broadband was cutting out all the time upto 8 times aday.I phone Bt reguarding the matter loads of times.and there just reported the fault and said it will be fixed in 72 hours by sending some kind of signals down through my phone line. but no change the fault just kept contueing so i didnt pay the bill and let them disconnect me from bt. Anywhere last year in march 2010 my neighbour pulled me up and said to me are you mr ------- and i said yes.my neigbour said a company keeps ring for you on my house phone called wescot and asking for you and asking if i am still living at my fixed address.She told me that she told them i still live there and that wescot are sending me a letter reguarding the matter so said ok thanks to my neighbour. The next day I got a letter from wescot credit services reguarding the debt for the phone bill £330.54p.so i offered them a £1 a month and there expected it.At th time i thought just pat this £1 a month to them and it will get them off my back. Anyway to put things short i got bored of paying this £1 a month to them so i stopped paying it 6 months ago .and today i receive a letter from them 1st time since stop paying them saying Our records show that you have failed to maintain the agreed repayment plan .the last payment received on your account was £1 on the 17/08/2010 and as a result the repayment plan is £5.00 in arrears. you have already acknowledged liability for this debt by agreeing this repayment plan,therefore you must take immediate action to clear these arrears. please do not ignore this letter to do so could result you in either us or our client taking action to recover the debt,which may include: 1 legal action against you through the courts. 2 referring your debt to a door step collections agency to carry out collections at your home. do you think i should just start paying wescot again? any advice would be great or help on this matter would be great...

hi dpick thanks for the great advice reguarding the email i will keep the email for future evidence.

so its sorted now just checked my billing account on sky.com and i am £32 in credit so i am going to cancel my direct debit now.Has my monthly subscription is only £23.50p.

This morning i got a reply from sky saying ...... Dear Mr -------- Thank you for contacting Sky Help Centre. I’m sorry to learn that you were unhappy with the level of service you’ve received. I assure you that we usually provide the highest level of customer service and I’m very disappointed that your recent experiences didn’t reflect this.You sky account will cancel in febuary when you called in last month they recorded the request for your cancellation so at this moment in time your veiwing will cease on the 25th feb I hope this helps with your enquiry. Kind regards ------------ Sky Help Centre