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banksters

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  1. Great. Thanks for that and thanks for clearing this up for us.
  2. Thanks for your help guys. All seems clear now, will cancel the carer's allowance first thing. Just one more question My father should be able to get the amount back with his Pension Credit once the carer's allowance is cancelled? Is that right? Cheers
  3. He claims the highest rate of DLA (Care component and Mobility side). So are you saying that Severe Disability Premium is automatically paid? I see no reference to this in any of his paperwork. Also if that is the case the Government are on to a really good thing here. They pay my wife carer's allowance and take the money off me, then they take the same money off my father meaning they get double back what they pay out! Good scheme for them. I will need to cancel the carer's allowance straight away Monday morning - I'm not paying the government so we can look after my father - we do th
  4. Thanks for that. He doesn't receive Severe Disability Premium and has never claimed that. I have recently moved from ESA - Contribution to ESA Income based. All the time though that my wife is claiming Carer's Allowance I have nearly all that same amount deducted from my ESA, I certainly don't receive any extra. Don't know if this helps. Thanks.
  5. Hi all Not sure if this can be dealt with here, if not please delete! Thanks My wife claims Carers Allowance for my father. He receives Pension Credit and State Pension (if that's how it is broken down). Since my wife has claimed Carer's Allowance I have had my money reduced by the same amount from my ESA, which is what we expected to happen - in other words we are not financially gaining as far as I can tell. Today my father had a letter from the Pension Service advising him that his pension Credit will be reduced by the same amount as the Carer's Allowance my wife claim
  6. My father has now received the Credit Agreement It would seem my only path now is try and get this interest stopped. Personally I would give them £1 a month, but I will see what my father wants to do. Cheers guys.
  7. Thanks for that dx. So just to be absolutely clear, if there is not a Credit Agreement there's nothing they can do? Cheers.
  8. Hi all Sorry to bother you again. I just now spoke to StepChange (CCCS) to discuss this debt and what they believe should be done. The response was I think very biased for the creditors and even somewhat of a scare tactic, but still I want to run this by you for my own peace of mind. CCCS say they have rules that do not allow ANY creditors on my father's payment list to be stopped. Interestingly enough several months ago I had a heated dispute with another of his creditors, JJB sports card where they were applying massive interest and charges resulting in after 7
  9. Hi all. Received a reply from Marlin for my CCA request. I think I've attached them correctly I don't believe this is my father's Credit Agreement but more of a statement, am I right? I telephoned them, forgot to record the call though They say this is all that is required for a CCA Request.... Cheers.
  10. Thanks very much for that, very encouraging and informational.
  11. Hey guys thanks for your replies. For sure there's a lot to think about here. I would totally agree though that CCCS has always been hard work, only making things easy by paying one payment and they do the rest. For sure they have always seemed to me to lean very much towards making sure the creditors are kept extremely happy. I have argued previously that the amount they allow for Housekeeping for example is too low, by a large amount. Looking at some old paperwork, which must be 9-10 years old they allow the same amount today as they did then, maybe they l
  12. Hi all I still have not received a copy of my father's credit agreement from this company. If I recall rightly they had something like 12 or 14 working days to provide me with a copy of the agreement. The request was sent and dated December 03rd with a reply from them stating what I have already shown above. I spoke to StepChange or CCCS on behalf of my father and sought advice on them not providing me with the agreement and was told basically that a credit agreement was not necassay anyway as I had been paying them for some quite some time and that was sufficient to admit I owe th
  13. OK thanks for the posts. I will attempt if necassary to follow the instructions above to post the letter So the CCA I requested will tell me who owns the debt? Still even if they are entitled to add interest it will be unlikely they will ever get the full money due to the length of time it will take to fully repay. So I assume they buy the debt for peanuts and then get as greedy as possible off other peoples misfortune......
  14. Hi The current balance is for just under £1200
  15. Hi all. I sent for a copy of my father's agreement and it seems I will need to wait a bit longer as they currently do not have it. I am unable to post links or images as my post count is too low so I can't post the letter he received. I will however quote this from his reply for a copy of the agreement:- "We write with reference to your letter dated .............. and confirm as we do not hold all of your information on file we have requested a statement of account and copy of the agreement from the original creditor and we will forward to you upon receipt." It also shows out
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