Thanks worried33. I always think the worst part is the waiting.

Thank you wobbly - will do.

Thanks All I have put down that I want them to record everything as you know how much we can always be sure that Atos will put the truth down. We got stung like that before and as usual won the appeal as people do, and if they do put the truth down the first time

Hi Thanks for a quick reply. Yes, it was a ESA50. As his condition has only gotten worse, we simply copied the last one, when they changed him from the wrag group to support group (not word for word of course), added any new issues with proof and sent it recorded.

Hi My husband is in the SG and it is due to run out in April. We have just filled in a form making sure that we put down everything including *Please note: I wish any face to face assessment to be recorded*. My husbands condition is a degenerative one and on going other issues. Has any one any idea what happens if it runs out but we haven't heard from them please? Thanks Shelly

ok Thanks

Ok I do owe it. we had a rental property got in areas with the mortgage so nationwide put it in administration. they put countrywide in charge who sent in some heavy's who scared the tenants off , it then took them 12 months to find new ones (this tripled the areas on the mortgage and also caused council tax areas) and a week later the new tenant was arrested and jailed. the guarantor payed the rent from then on. when the tenancy ended the house was sold with a shortfall of £13,734.26 as far as I am concerned the place was totally mismanaged but I don’t know what I can do about this if anything. any advice would be welcome

Thanks but I'm not sure I want to drag it all up again as everything seems to finally started to settle.After over 3 years of hell. 6 weeks after the funeral the mortgage company and a secured loan company both got suspended possession orders on the house so we were under constant threat of eviction by the loan company(we had to pay £600 a month out of disability benefits) We had an 18month fight with the DWP over ESA and DLA(o/h finally got put in support group for ESA and received high and high for DLA) My brother in law was stabbed to death in his flat that December and 80 year old farther in law found out from the local paper (killer later got 22years) August last year I had a heart attack at the age of 43 (I nearly died twice) Just before xmas last year we had a letter from the mortgage company saying that the fixed low rate was finishing and the payments were going to double We then contacted the council who took about 4 weeks to decide whether they were going to rehouse us (finally moved mid feb) o/h then went bankrupt at the beginning of April. Got to say though it was probably the best thing we have done. Things are finally starting to go right in some part to the advice on here. Last week I was contacted by a debt collection company about a £14000 shortfall from an old buy to let property .I pleaded poverty refused to give breakdown of I/E offered them £1 per month told them to take me to court if they didn't like it ,they said they had no intention of going to court and accepted got the confirmation and standing order mandate through the post yesterday sorry for going on but hope you can understand why I can't face yet another fight

By the way he had been a loyal customer for over 40 years so you can see why I don't trust them,in fact I can safely say I hate there guts.

can't remember exact events as it was a few years ago now and I was in a bit of a mess not thinking straight at the time. we had an argument with the head office about the money in his account eventually the manager from the Stafford branch made a check out to the undertakers so that I would sign the forms to close his account, not long after we arrived home we had a call from the manager saying she had received a call from head office she was really sorry but they had told her to tell us not to bother presenting the check as they would not honour it. as I said before I was an emotional mess at the time and even though we made an official complaint including to the financial ombudsman we didn't get anywhere. in hindsight I realise that we should have just used it to pay the undertaker as it was a buisness check and they would have to honour it. As a result of there actions we couldn't afford the funeral we couldn't get any help from anyone as we were on working tax credit and couldn't afford a loan it took from the beginning of December when he passed until the middle of February to bury him,(the hospital where he died were even threatening to charge rent for the fridge space) my cousins heard what was going on and offered to pay for which I will be forever grateful.

Hi I don't know about the amounts involved but I don't think he has any paperwork it was from quite a while ago, I recently had a successful claim and he thought he would try his luck as they have a baby and are always short of money,trouble is they both have learning disabilities,I don't think they thought it through properly. I had dealings with this bank in the past. when my dad passed away they stripped his account to pay an outstanding loan and credit card debt and left us with no money for his funeral. I just didn't want my daughter and her boyfriend to get stung by these people so thanks for the help Michelle

Hi all need some advice on ppi. my daughter’s boyfriend thinks he may have a claim against the Yorkshire bank the problem is he has an outstanding loan with them from about a year ago that he stopped paying when they moved. Question is if he makes a claim and wins would the bank be able to use the ppi money towards the outstanding loan and would they then be able to chase him for any outstanding amount on the loan as they would have his current address. thanks in advance

Thanks DX. That's exactly what I will do. If they try to get in they will be stopped so could be fun.

Thanks, that's the answer I had hoped for. What about scotcall, if they call at the door? Thanks Michelle

no I made the request over the phone but I will now put it in writing what would be the best way to pay the £1. yes it is on noddle (double checked this morning) still under provident don't think it is on any of the others. strange thing was the joint secured loan with central trust wasn't even though we have had a copy of the original contract.

the original debt was on noddle

Hi no unfortunately it was originally it was with greenwoods (provident personal credit) a couple of years ago background is Not long after, everything went pear shaped husband became disabled since then loads of debt last year I had a heart attack at the age of 43 due to stress from a loan company (secured loan on house threatening repossession even though house is in negative equity) house finally repossessed early this year husband also went bankrupt in April. best thing that could have happened as it has taken so much stress off. started getting letters from wescott few weeks ago didn't reply+ in there second letter they offered to reduce the total amount owed by 50% thanks to this site I realised this meant they may not have all the paperwork (confirmed by a friend who happens to be a debt collector) decided to request a CCA and see what happens. I know this may sound mad but we have nothing left to loose other half is on means tested benefit and Bankrupt. My only income is from carers allowance and child benefit so I know that if they go for a CCJ (my credit rating is already in the toilet)they will only get a token amount. I have decided to have some fun and give them the run around as payback for all the stress they caused as they are not the only creditor. the worst one is central credit who we had a secured loan from even after we sent them a estate agents valuation which proved the house was in negative eqety they were still demanding £600 per month or face repossession (recently admitted that when house is sold they will have to accept £1 per month for the shortfall of £47,000 as my only income is benefits) . I would just like to say thank you to all the people on this site as it only because of them and there advice that I have the knowledge and confidence to be able to deal with these people

thanks hope this can help someone

Firstly I would like to thank the community of CAG as it has got us out of a mess a few times. Currently; we are dealing (or in our case - not co-operating) with Scotcall. On all their letters they put only a 0844 number, their non-0844 number is: 0141 248 7400. It won't let you do 141 in front but I called and made sure that I said I didn't want correspondence from them except in writing. I did of course deny any knowledge of the debt and demanded a copy of the original CCA (which I doubt that they have. Wescott (The original DCA offered a 50% discount on the debt on the second letter which tells me there is a good chance of them not having the full paperwork. Just though this may help people dealing with these. Michelle