Hi, Long story cut short. I took out a Quickquid loan when i had a part time job (living at my mums) I then got laid off because they didnt need me anymore. This was around September I took out the loan. I was depressed, and still am, and made no effort to contact QQ to repay to loan. I'm no longer living with mum but my bank statements and all letters still go there as a Care of address. I revived a letter 2 weeks ago from solicitors explaining they might get a CCJ (in northampton) on me if i do not repay the loan. They also explained in the letter i would have to travel up to Northampton (im wayyyy down south) Mum has been sending all letters back with 'no contact return to sender she does not live here anymore' she always opens them (i allow her) to write down the address on the letter head then seals them back up and pops them back in the post box. Would a court accept to take on my CCJ even though its for £170 and QQ never actually passed the debt onto a debt collecting agency. Many thanks.

Just a quick update. My boyfriend and I recived a letter from the decision maker stating she has decided we are not a couple. Karma is sure coming my landlords way Best of luck mryde34, I'm sure the court will understand that you would not want you children to be homeless/staying at a strangers house. Let me know how to goes x

Also; Can my grandmother request detailed transactions from the bank. Basically, I'm wondering if the bank can confirm her partners cousin cashed the cheque into his bank account. will the bank have / provide information of this.

Hi thanks for your reply, Yes it was Footsteps Mortgage. Based in Southampton. I can't find them on that website. *sigh* I'm suck of what to do next / where to go. Also thanks for the person who changed the thread title and moved the thread. I did try and find the relevant sub forum but i obviously was not looking hard enough!

Okay, I'm posting this on behalf of my grandmother (she wanted me to post this to get other advice) and I am currently taking action on her case on behalf of her. I don't want to post really deep information, although if you need more information that can help me please PM me. Back in 2003 my grandmother took out a re-mortgage on her bungalow. She was referred.. bullied.. by her partners cousin. It was one of those company's that apply for you (not too sure what official term is called, she had to pay him £200) My gran was vulnerable and all she was told to do was sign. She remembers him not asking many questions at all. The main thing she was told was to sign on the dotted line. She was given no paperwork, after she signed. She only received a some sort of confirmation from the bank Abbey National. The loan was for £30,000. Ill get to the point.. My grandmothers partner's cousin bullied her into giving him at least £14k of this loan. (in separate installments by cash/cheque, all proven on bank statements) I wont go into the reason why. but my grandmothers state of mind was understandable, and she was VERY vulnerable. She had to sell the house to pay off her creditors. The cousin was never to be heard from again. 2006 she decided to get legal aid and see if she could take the case any further. The solicitors managed to get a copy of the original loan. It was soon found out that the bloke who filled in the application, lied about my grandmothers employment. stating she was a manager and earning X amount. They contacted Abbey National, who pretty much said 'not our problem' The solicitors then wrote to the company who applied for the loan on her behalf. CXXXXX BXXXXX the 'partner' of the company stated AXXXX CXXXXXX was no longer working there since Dec 2004. and his where abouts can be located on FSA. Solicitors found a AXXXX [middle name] PXXX CXXXXX registered and active, self employed. They contacted him and he stated my grandmother was never a client of his. by this time, my grandmothers legal aid had run out. She didn't have the money to carry on. This whole process took 11 months. Now i am older, my grandmother has given me full access to these solicitors letters ect. I am willing to re open the case. My grandmothers desired outcome would be a compensation payment from Abbey National, or Prosecution of the two idiots that caused her so much depression and stress. My granddad has informed me he has found another victim of his cousin. A lady who was diddled £200,000! Although she was reluctant to talk. Me and my granddad are planning to trip to her house to see if she would be willing to talk now. Now, I've only been working on this for a matter of hours and i think ive found something already. I need your opinions! I've been looking up these guys names on FSA register. I could not find the original company on there WHAT so ever (and the website is ''currently down'') go figure. But i done a individual search, A match came up to 1 CXXXXX JXXXXXX BXXXXXX (inactive) History: Controlled functions - Previous CF21 Investment Adviser Openwork Limited 01/06/2005 - 31/10/2007 CF21 Investment Adviser Zurich Advice Network Limited 07/01/2003 -31/05/2005 CF22 Investment Adviser (Trainee) Zurich Advice Network Limited 07/06/2002 - 07/01/2003 CF22 Investment Adviser (Trainee) TenetConnect Limited 01/12/2001 - 24/05/2002 CF30 Customer Blueprint Distribution Ltd 16/03/2009 - 02/05/2011 CF30 Customer Openwork Limited 01/11/2007 - 31/12/2008 Appointed rep. relationships - Previous: 227242 Blueprint Financial Services Ltd 18/09/2003 - 31/12/2008 211566 Ivory Financial Services Ltd 05/06/2002 - 19/06/2003 185145 Ivory Financial Advisors Limited 23/02/2001 - 24/05/2002 ********* Then I done a search on AXXXXXX CXXXXXX, About 6 came up. One of them was the one the solicitors contacted he was still active. I looked at the rest and i came across this match which came up pretty interesting :/ AXXXXX KXXXXX CXXXXXX (inactive) History: CF21 Investment Adviser Zurich Advice Network Limited 10/12/2002 - 22/03/2004 CF22 Investment Adviser (Trainee) Zurich Advice Network Limited 21/06/2002 - 10/12/2002 227242 Blueprint Financial Services Ltd 18/09/2003 - 22/03/2004 209623 Emerald Financial Management Ltd 20/06/2003 - 18/09/2003 211566 Ivory Financial Services Ltd 21/06/2002 - 19/06/2003 Is this just a MASSIVE coincidence? or have i actually stumbled on something here? and why did the solicitors not pick up on this before? Now, what do i do? lol I was thinking of sending abbey / santandear a letter. And if they keep on refusing to help, ill just keep on sending letters. I dont know im not sure yet. What about contacting the FSA about my grandmothers case and my findings? can they take action on these people even thought they are inactive? :/ my granddad believes they are out the country (inc his cousin) Is there any regulations they can help me? Thanks for reading! Its a mammoth post!

Yeah, proof with my own eyes! Lol. When we went into the toilets girls where doing it in the toilets and all their friends queing outside the toilet door for their 'line'no flushing, just sniffing! my mate who I met up with at the bar offered me some. Kindly refused. Thanks for your replies. Shame I can't go any further. Will never be going out in brighton ever again.

Hi, It will be easier if i copy and paste the 2 emails i have sent to a music venue/bar. I don't have much time to type because my bf wants to use to computer. *** Date: Mon, 13 Feb 2012 14:57:18 +0000 Hi, Me and my best friend traveled all the way from [our town] on Saturday 11th Feb to see pritch & daton. We arrived at the venue at about 9, went in, ordered 1 drink, went to the toilet and then went outside for a cig. We was sitting on the floor, rolled our fag .. then a bouncer says R*** was not allowed back in because she had been sick, i'm sorry .. but i think i would of known if she had been sick, she was sitting right next to me and talking to me. To be fair, there was some sick about 1 foot away from us, where someone had obviously been sick before we had even got there. I would like to add me and R*** was not even drunk as we arrived at the venue. Obviously we was angry with this false accusation. I tried so plea with the bouncers telling them i KNEW for a fact she was not sick, he told me that was MY problem. Me and R*** had planned to stay in Brighton till early morning, as the show did not finish till 2am. We would like a refund on our tickets, considering we was in your venue for a matter of 10 minuets, didn't even get to see pritch & daton, got falsely accused of being sick, and had to stay in -3 conditions ALL night. ' R*** T***** ' booked the tickets online. please let me know if see needs to contact you for the refund. I think we are both entitled to a refund. We got falsely accused, we traveled a LONG way just to come to your venue, only to spend a matter on 10 minutes in there. As you can understand, where both really angry at the situation. It messed up our whole night. Thank you for your time. We would really appreciate a reply **** Second Email, Sent today. Hi, Considering my previous email, and no reply. Are you refusing to give my best friend and I a refund? We still believe we was treated totally unfairly, and no respect what so ever. To this day, we both know my best friend was not sick outside your bar. She was there talking to me. I would of noticed her being sick and retrieved a bottle of water from your bar. Do you have any clear CCTV outside your premises you can refer to as proof of evidence? No where on your website does it state YOUR terms and conditions in addition to refunds. I was advised by my solicitor to make one final contact with you, and if you wish to continue to ignore all contact. I have every right to take you to a small claims court for unfair refusal of entry and lack of refund. Would 2 of your bouncers be prepared to come to court and make witness statements to say they saw her being sick. i.e. they actually witnessed the vomit coming out of her mouth. And also CCTV footage to back this up? All pages of your website have been print screened in preparation for court. Its funny how you can let people sniff coke in your toilets, yet you refuse to give 2 innocent girls a refund for unfair dismissal. It's only Around £25. I don't see the problem refunding us. If you can prove via CCTV that she was sick outside your premises AND 2 legit witness statements. I will back off. We have every right to be entitled to a refund, Entitled because my best friend and I both know no one was sick at that precise moment. She knows she wasn't sick, I know she wasn't sick. We was talking to each other! Just because there was sick about 2 foot to the left of my best friend DOESN'T mean SHE done it. False accusations. I hope to hear a reply within 28 days. **** I'm just trying to scare them by telling them I will take them to a small claims court. heh. Bad move? possibly. I'm just really angry. While my best friend was not allowed in the venue, I hunted down the owner who pretty much didn't really care. Any advice would be fantastic, and i will be really grateful. Thanks x

So, 6 days ago. I got arrested for drunk & disorderly (tut tut i know) but to be fair, I wasn't even drunk .. i had 2 drinks. I got arrested because i was fuming with the copper that pushed my best mate, then the police where making disgusting fat remarks at me and my best mate. If I had given them abuse (like calling them piggy, f***king c**ts. ect. FAIR ENOUGH!) But i didn't. I respect them .. I don't now! They kept on telling us to go to burger king and order a salad because we don't need anymore burgers, called me personally a '' F**king fat heffer & a f**king t w i t (replace the I with a A) " many times! Obviously i didn't like it, i kicked off. I spent years of physical and mental abuse in school with bully's. It lead to a eating disorder, and I'm still trying to recover. So, I kicked off .. I got arrested. In the morning me and my mate got a £80 fine. She works so she can pay it. I'm on Job seekers, AND only receiving £94 every 2 weeks because I'm paying off a crisis loan, those payments finish in march. I went to my local magistrates court today and asked to speak to someone about my situation. The man gave me a leaflet with a phone number to call. I spoke to this snotty woman who honestly didn't sound like she wanted to talk to me, but much rather laugh at her office colleges jokes. She explained because it's a Fixed Penalty I have to pay it in full and they cant take payment plans, even though i'm on job seekers. (that would leave me with £14 for 2 WEEKS!) I explained I cant borrow any money from anyone, because to put it nicely, I'm a bit of a loner. The woman then said they will only take payment plans for job seekers if i refused to pay my fine, and it would go up to 1 1/2 times the original amount ... THEN they can help me. I'm totally stuck. I don't know where I stand. It seems honestly a bit of a joke that they can't take a payment plan first time round, but they can when it goes up. I want to pay the fine, I really do. But leaving me with £14 to pay rent & food seems honestly the biggest joke going. My ticket say's to write to the office (shown on the ticket) for any enquiries. which is the 'central ticket & summons unit' I'm going to explain what i told the woman on the phone. But I'm just scared they are going to say the same thing. I'm going to photocopy my job seekers booklet / any recently letters. and the letter explaining my crisis loan, how much they are taking off and when it will stop. Any other advice i will be very grateful. Sorry if this thread is in the wrong section.

Hmm. I think theres a long thick line between making true allegations, and false ones. Personally if it was me, and i KNEW 100% they are benefit cheats. go for it. Give them a taste of their own medicine, at least the DWP will be doing their job properly! In my case, the person who falsely accused me, is squeaky clean. So a few hundred rotten eggs next Halloween is my revenge

We don't have any joint bank accounts/bills or anything at all like that. I bring my own food round when i go to his. All in my statement. Thanks for your reply. put my mind at ease a little

Hey, I'm here to explain my story after my interview today at my local job center. Background : I've been with my boyfriend, 4 years this summer. We met in a Foyer (a place where young people live) I got kicked out of the foyer (not my own intentions! a stuck up staff member got her own way) I was homeless, a family friend took me in for 2 years. Homeless again. Now living at my mums. Me and my boyfriend don't want to move in together/start a family until we are both in employment. We don't see the point in rushing. Okay so where do i start? Well, i received one of DWP's letters asking me to come in for a interview because they want to talk about a query on my claim. I was told someone told them I was living at my boyfriends full time. And that this allegation was made a few days before Christmas (2011) I'm on JSA, and my boyfriend is on IS for mental health/anxiety. A few weeks after I moved out the foyer my boyfriend got his own place via Southdowns Housing Association. Strict ruled by Southdowns state I can only stay 2 nights MAXIMUM at my boyfriends. Other wise he can lose his place by not complying with the rules. So I was living with my 'family friend' ... I realized on the way home from JC it was them who made the phone call (Explained later) He knew the southdown rule because i was never at his for the weekend, he would even offer on occasions to drop me off and pick me up to save money (my bf lives in the next town 7 miles away) Sometimes my bf will come to mine for 2 - 3 nights, but on RARE occasions because of his anxiety he probably comes to mine about once a month. Where I would visit him 2 nights a week, but there would be a week in a month where we wouldn't see each other at all So anyway, When i was living at this 'family friend' i had a tenancy agreement, and had HB. He assured me I could stay there until i get myself financially stable. A year and a half passed, joined with many rejection letters from applied jobs. My landlords gf of 4 months moved in. Honestly. It was a nightmare. She was the most controlling person I've ever met. Bunny boiler. After about 2 months of her living there, she approached me on many occasions and asked if i could move out or go live at my bf's because she wanted to use my room as a baby nursery.. 1. She wasn't even pregnant. 2. They had been together for about 6 months at this point. 3. My landlord, always told me/family he never wanted kids of his own, and always wanted to adopt. That aside, my mental health got worse, I tried to commit suicide. The day i came back from hospital my landlord told me to pack my stuff and move out that day. ( Never mind the 2 week WRITTEN notice that was documented in the tenancy agreement) Because his gf no longer wanted someone like me in the house. I couldn't be arsed to argue and just went. Stayed at some friends while my mum sorted out my old room. And finally moved to my mums. (I told DWP when i moved in) Then the harassing phone calls started, my ex landlord told me to change my addresses for my mail. He told me he had already opened bank statements and DWP letters because '' he thought they was his'' I changed all my known mail addresses that day. I completely forgot to do it the day i moved out, but trying to kill your self and not succeeding puts you in a 'i really don't care' mood. I had loads of junk/ [problem] mail that came to me while i was at this 'family friends' i always ignored it. Anyway, my ex landlord got mail happy one day and managed to open another one of my letters by accident, this time it was junk/ [problem] mail. Explaining i had taken out a £5,000 loan secured on the house and that the money would be deposited in my bank today ... LOL. Obviously i hadn't done such a thing! But trying to explain this to my ex landlord was impossible, I even print screened my online bank with a proud sum of £0.23 ... not the £5,000 I was hoping for. he was screaming down the phone '' YOU HAVE TAKEN OUT A 5 GRAND LOAN ON MY HOUSE, ILL GET YOU BACK FOR THIS '' I ended up hanging up the phone because i just simply couldn't get through to him. He wasn't listening to a word I was saying. I kept on asking, '' can you PLEASE give me the details of this company who have sent this letter, I might of had my identity stolen'' But nope, he wouldn't even give me the details. He left nasty voice mail messages when i didn't pick up the phone. I got really worried so I called the police, on their non emergency number. I explained the harassing calls he had been giving me and he was accusing me of taking out a 5k loan. He asked if i wanted to report the harassing calls/voice mail. I didn't bother, I was more worried about identity fraud. He advised me to text my ex landlord the police non emergency number followed by a reference number for my call. I text it to him ... and never heard anything since. Funny thing is .. my ex landlord accusing me of this loan / me calling the police, was exactly a few days before Christmas. The same time DWP got the call.. coincidence? Everything written here I have put in writing along with my statement i had to fill out at the interview. I even explained if they would want the voice mail messages (because of the date) and I can ask the police for some sort of statement dating when i made the phone call ... which would be the same date as the voice mail messages. In hope they will tie it in with my allegation to DWP he made. I'm so ****ed off he would stoop to this level. Funny thing is, I'm the one acting more mature in this situation. I'm 21 ... my ex landlord is 50. Any advice appreciated! Really worried the decision maker will reject my statement, even with what i have told them. I'm scared me and my bf will have to break up because the DWP think we are living together, and i can't claim JSA, go see him/ have a relationship at the same time. My boyfriend is worried he is going to lose his flat. Close to giving up again. Things where going to well. So annoyed.