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skookum

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About skookum

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  1. Thanks Andy, I do vaguely remember opening one as it was a new branch that opened. However I am sure we never had overdraft facilities as we were quite flush at the time. The message she left my mother said last time she tried to use it it swallowed her card. I am concerned she organised an overdraft with the fella she left me for as he posed as me many times milking my credit cards and bank accounts. Sadly I never was able to gather enough evidence for a criminal or civil prosecution.
  2. I will just keep quiet. Hopefully it is something she has seen on a credit file. No ones pursued me yet so I will keep fingers crossed. I feel after 12 years of being divorced these things should have been settled by banks and companies by now. Like I said it has been so long I have no recollection of it.
  3. My concern is she may have been making small payments over a long period of time. If that resets it then I will probably get collared for it. Just find it very unfair an agreement could have been struck up and they have made no effort to contact me.
  4. Hi, Like explained in the title I have been divorced 12 years and remarried. I don't have any contact with my ex wife however she often hassles my mother usually about wanting money. I pay regularly by direct debit maintenance for my son who I do see through family. Anyway my mother has received a message from my ex saying she is trying to sort her credit rating out and I owe £400 to Royal Bank of Scotland. To be honest I never recall having an account with them and she claims it was joint and the £400 is my half of the overdraft. There is nothing on my credit file, in fact I got a very large loan for a minibus on Vauxhall finance 12 months ago for my business. Surely if it was owed it would be statute barred by now as I have had no communication from RBS in 12 years. I also cannot understand why it is on her credit file and not mine. Anyone know the legality of them trying to collect it from me?
  5. The debt goes back to before I moved in. The guy had a stroke who lived here an was moved to a nursing home. The water charges are for my one bed flat are more then my parents 3 bed house down the road. I asked for a meter and they sent a local plumber who only spoke to me on the phone saying it couldn't be done. After paying a years inflated charges they sent me a letter saying a meter would be installed. That has never happened and I continue to receive bills will arrears before I lived here. There have been many debt collectors over the years that have accepted my evidence of when I moved in. However Orbit are sending round these huge bully boys to intimidate my disabled partner when I work nights.
  6. Orbit visited my home whilst I worked the night shift 01/04/16 at 20:54 regarding an alleged Southern water Debt. They were told by my recently moved in wife I work shifts from 18:30 until 06:30. They tried to call at 08:00 on the 02/04, then sent a great big fat bully boy round at 10:00. Without an appointment he demanded I was woken up then got all aggressive. No joke the guy was about 170 kilo's. He wanted national insurance numbers and the amount of PIP my disabled wife receives. My partner set a £10 a week agreement in my name. She also asked for a manager to call her regarding his harassment, not surprisingly nobody has called. Should I cancel this payment?
  7. Just to update I was stitched up. The breakdown came out and I opened it today. The information they gave me was not accurate. The £239 I will have paid WILL include the £55 court fee. So the calculation error was £184 not the £400 on the court summons. So I am paying a court fee for a calculation mistake by the council. WTF has happened to this country? I am dogged with debts caused by incompetency of civil servants (I have another thread with the CSA). Imagine if I was a business and took and individual to court for under charging them and not informing them, I would be laughed out of court. I have to pay fines and arrears for mistakes they make. So sick of it all, are the coffers so short they have to be topped up by scams?
  8. This is unbelievable. Yet another calculation error leaving me in arrears when I just paid off the last calculation error. After another stressful week with the CSA I have finally got to the bottom of the latest arrears and this takes the biscuit. In September my partner moved in with ONE of her Two children. The child who didn't move in was 16 and living with the Grandmother so she could commute to the college of her choice. The 13 year old lives with my partner and I. I declared this situation to the CSA and the tax credits were made for just the ONE child. The grandmother claims for the 16 year old. The first recalculation failed because HMRC had not completed our joint claim. This shows they have very up to date information with HMRC. The second change of circumstances was successful and only one child living with me is on the paperwork, the 13 year old. The CSA sent me details with just one child on my change of circumstances. This week I learn that the latest arrears were caused by them calculating TWO children live with me. Two? Tax credits only have one, I only claimed one to the CSA and HMRC have a claim for 16 year old in the Grandmothers address. After four exhaustive calls a case worker called me back. She stuck to the calculation error yet could not explain how they got the wrong information. She also said I should be extremely lucky that I am not being prosecuted for giving false information? This is just unbelievable, everything I have supplied proves that I gave them the right information,. So yet again I am in arrears and they asked me to clear these by Next Friday or DOE may be served. I pay every week without fail and can only pay what they ask for and now I am wrong. The incompetence is staggering, they constantly change the goal posts.
  9. I have had major problems with the CSA for over a year. Wrong calculations, invented arrears and money not reaching my ex. Every time I pay off arrears they come back with more over the last 3 weeks I have been given figures ranging from I am £30 in credit to £170 in arrears. This week I decided enough was enough. Complaints and appeals go nowhere so I wrote to Independent Case Examiner with full details. The CSA called me again today with further requests for money, £48 today. I told them I am paying nothing than my weekly amount until the case has been looked at by Jim Edwards. An immediate panic ensued on the phone and I was transferred to a manager. He requested I put the case examiner on hold till he looks into it. I agreed but I am not going to because the CSA usually ignore complaints. Might be worth name dropping him as it seems to be the only thing they are nervous of. Today they put me down as a non-payer as I refused to pay this amount over the phone. I pay every week religiously but since I have read of a couple of cases where CSA workers have been convicted of fraud and diverted money to their personal accounts I think I would rather I pay it direct to their account.
  10. Hi, I haven't had to post on here for ages as I feel I am finally making headway. Just a brief background I had a period of homelessness and illness, then struggled to find work when I had a home. Last April I got work and have worked so hard to get on my feet, after mistake after mistake from the CSA and Council I am making headway. Unfortunately another council bombshell hit me on Monday. I have been paying an agreed amount of council tax monthly and have kept up payments so assumed everything is fine. On Monday my day off, I walked in to a summons on the doorstep, the amount was exactly £400 + £55 costs + £50 if it goes to court. I assumed it was a mistake so phoned the enforcement agents on the letter. The first lady was totally unhelpful and just said I had defaulted and that was the only information I could have. I then went back through a year of bank statements to see if I had missed anything but I hadn't. I did however receive a letter in January for an outstanding amount of £12. Now I wrongly assumed it was an extra on a recalculation, this recalculation was made when my Girlfriend moved in and I lost my single person discount. I had informed them and the payments went up. I paid the £12 the next day after the letter. On phoning again armed with this information it seems to have been a calculation error, they didn't put enough on my bill. The long and short is that the Council only send one reminder then it is summons time, they counted the £12 as a reminder. My Girlfriend and I then did a calculation and found with what I paid and this extra £400 I would be paying £161 MORE than the maximum for the band B I am in in my area. So yet another call this time to the council. They finally admit a calculation error and the figure was lowered to £239 which I paid £130 there and then and a promise of £109 on Monday (I get paid weekly) then they will lift the summons. Now one problem is I am still getting stitched as I was single from April to January but am being forced to pay the whole year without the discount. Now I am prepared to let that go as she did spend a lot of time with me and I don't really want to rock the boat on what is legally living together or not (she had her own place however). But are they likely to lift the summons and not charge me the £55 costs with the £50 court fee? They say it will be on Monday but the other enforcement officers said there is no way it could be lifted unless the fee was paid. I am at my wits end. It is so grossly unfair I received no letters and everyone I have spoken to claims a different number of letters were sent. I know I received nothing or it would have been paid.
  11. She is a very bitter person even though we split up 6 years ago. She is very close to my mother and told her some cock and bull story she thought I was paying too much. The reality is she wants more, a lot more. My retired parents look after our child every other weekend and all the school holidays for nothing. I pay them what I can when i can but I even end up taking from them. I just phoned the CSA and offered them top whack what I can pay week, about £10 more than my regular weekly payment. They have rejected it and will write to me in due course. In all honesty it is making me ill now. I work nights and now spend the whole day I should be sleeping trying to sort out all these problems. I am back on meds again from my GP and fear I am going to relapse into depression and anxiety that cost me my last job.
  12. Just had a further conversation with them. They have concluded their investigation and find I owe arrears of £181. They have broken them down as £50 for the alleged cash in hand work I never did. £30 for the short full in payments from 14/04 to date as the original assessment was wrong. The final one is a short full in payments whilst I spent 20 weeks on JSA. During those 20 weeks I had the money taken straight from my benefit which a call just now with the DWP has confirmed was done. I phoned them back and said I understand the short full from the 14/04 but the rest is nonsense. I have been given till the end of the month to pay this amount before legal proceedings will be considered and maybe a deduction of earnings. I have no idea what to do now and i don't have the money. The council left me in over a £1000 of rent and council tax arrears which still are not sorted. Going back to work has roughly left me in £1400 of debt (rent, council tax, DWP Loan, CSA). Even though I paid eveyt hing in full from the first weeks pay check up till this date. My landlord and Council are demanding so much a week to cover these arrears I am now working for after travel costs -£15 a week which my retired parents are supporting.
  13. Well that is there get out. Because my bank statements back up my version which I was broke and only receiving JSA. They causally turned round and said 'it isn't showing in your bank because you probably got paid cash in hand'. I am at my wits end. I am not being tight I don't get much more than minimum wage. I am struggling to make ends meet as it is and they are demanding this payment which I simply cannot pay and don't even owe.
  14. Basically I had a period of unemployment and started work 18th May (Sunday). I called the CSA on Monday 19th and informed them of a change in circumstance. At the time I was on a zero hours contract so didn't have guaranteed hours. I soon got 40 hours per week and informed them all the way of the changes. I calculated an average over a month of 15% of my salary and paid every week from my first pay packet. Basically they sent me a letter saying I was in arrears as I had not paid for the weeks commencing the 7th May. I explained to them I didn't start work until the 19th but wouldn't have any of it. They even said they had reason to believe I had worked cash in hand as my bank statements didn't back up their claims. I thought this would be easy to sort out so I called the DWP who confirmed my claim didn't stop till the Friday 16th. I asked for a letter to confirm this and then made the School boy error of saying why I needed it. Immediately I was put on hold and the lady returned to me saying she couldn't confirm when my claim stopped. I was baffled as she had just read it all out to me. It seems my entire file was lost as they no longer had my address, bank details or contact numbers. I was left with being told they would investigate why they could not get my information up. A letter will be sent confirming when my claim stopped but they could not tell me over the phone when that was. I feel I am being really stitched up. The CSA take nothing I say or the evidence I give. They just take my ex's verbal claims as gospel. The CSA even want £37 out of a pay packet of £42 I got for an afternoons trial. Is there anyone I can take this too?
  15. Got this email from them today after I questioned Judgement Order Listings lack of company registration and whether it had a consumer credit licence. So this is yet another figure they have given me. I have politely declined the adjusted amount and informed them I intend to go through with my complaint with others that have joined me with the Financial Services Ombudsman. A few other people that have been similarly treated by One Call have contacted me and have also lodged their complaints about the service, intimidation and lack of efficiency shown. One chap who took a policy paid in full only to be told they cancelled his policy after a credit check. He had paid in full and has received only a partial refund.
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