@dx100uk quite so, apologies. However to the layman, of which I'm one, it makes no difference. I enjoy your ASL energy with it! Who cares if it's a "FINE" or speculative invoice? Who cares if it's a DN or "sum of arrears"? This is all just semantics. We all understand what is implied, and what it is implied to mean/threaten. It's easy for you to cut/paste your favourite phrase: "Check it doesn't say "Will anywhere" or "DCA is not a bailiff despite their magical powers idiot". We are dealing with people who are not so battle-hardened as you, dude. People who come here are probably scared. Your words are, as I said last night, very arrogant and dismissive, like you are blaming everyone for not being as clever/wise/intelligent as your great self? Are you possible of growing and learning yourself, @dx100uk? Or might, could, "doesn't say will anywhere", you grow and feel other people's pain? Either way, delete my responses as I've seen you've already done with my others which didn't suit @BankFodder or your narrative. CAG has so much potential. Over this past decade it seems to be a trolling factory for about 6 Site Team posters. (I don't include HoneyBee in that - she seems like a kind old Miss Marple lady who has love in her heart. More power to her.) Anyhoo, I've been on this site over loads of different user names since around 2009. Had some fantastic advice, always end up getting deleted/blocked once I displease Bankfodder or DX. Shame really. If those 2 egos could grow offline.

Just wanted to give you some moral support @RC710 - I had massive issues with Erudio in 2017. 3 outstanding "mortgage style" loans from my time doing a BA(hons) in 1992/3/4. I deferred religiously with SLC every year until around 2013 when I never received the usual deferment forms as I had done since about 1998. Never moved house without informing them. Always sent P60's, and their own forms. All good. Slipped my mind in 2014 when forms didn't arrive, so long ago I didn't bother chasing up. Suddenly I get litigious scary letters from a company I'd never heard of, and certainly not a company I'd ever had credit from or signed an agreement with called Erudio! These people are ****. I wonder what sort of personal relationships they have in their personal lives once they leave work? The horror of what they do to vulnerable people is akin to sadism. I got them off my back, playing the mental health card and threatening to literally take a shotgun to their offices if they didn't leave me alone. Went full retard on their asses (to quote the film Tropic Thunder). I still get the 6 monthly default notices, which apparently they are "legally" obliged to send. Good! It must cost them £20(?) a year to get some numpty to lick the envelope, print out my default, frank the package and walk down to the post office! Ha! I last deferred over 11 years ago! Keep the faith, they won't get a penny from you mate. They are beyond ambulance chaser ****, they're more akin to the type of people who read obituary columns in newspapers and turn up like ghouls at a funeral hoping for a free meal.

I've been in a similar situation to you before regarding DWP back in the day. They had and now seem to have a turbocharged view that your worth as a person is only determined by how much tax you pay/money you earn. However, reading through your thread here, you are making the same mistake which I did having been self-employed in the 00's. You have every right to NOT have to work for an employer if you feel, which you clearly infer, that it's beneath you. You have every right to be self-employed too! Bottom line though is if you expect to get free money from your fellow tax-payers, some of whom get up at 4am to do jobs they hate for minimum wage 6 days a week; I wouldn't get too arrogant about saying things like "I couldn't possibly be an employee!" Read the room! As others have said - this cryptic freehold/leasehold, endless litigation on trust property over 10 years, sounds like either you own Hampton Court and it's being contested, or you have some obsession which would probably help you if you took your foot of this pedal and engaged with DWP who might be able to signpost you to mental health agencies who can help you recover from this issue. Benefit claimants not seeking work to face mandatory work placements WWW.BBC.CO.UK It is part of a plan to get people back to work, with more investment in career support also promised.

Quite so HB, I was simply saying in the ultimate reckoning of things, with all the horror that's going on in the world right now - is it better that they "get away" with it and continue their medical career to potentially be a doctor who saves thousands of lives ; or gets prosecuted for something I considered doing myself on balance of good long term vs short term wrong, and spends their life with a conviction limiting their careers to claiming benefits and sat in bed all day commenting on CAG!

Hi Laylax, I'm afraid I don't really have much advice to offer rather than saying you are not alone on this. A very close friend of mine, (almost a brotha from anotha mutha, you could say), gave me his Veterans Oyster Card last month since he was moving to Spain. I politely accepted but have never used it because it's a photo card and because I've read about TFL's proclivity to come down hard on any abuses. It's in my drawer at home, and there it shall remain! However, I understand what you're saying about - "could it be any worse if I 'fess up now, or get caught later?" - I don't know but beyond the moral argument some might make here, I'd be interested to know that too! You MIGHT get away with it if the gods smile on you, and their CCTV wasn't working at any of the gates you used, presuming you used it more than once? It could be they've got bigger fish to fry due to the complicated nature of personally tracking you down. How about asking your Gran to tell TFL she dropped it in her purse months ago, due to old age. Didn't report the dropped purse for fear of looking old/embarrassed there was only £10 in the purse and no bank cards, etc. Someone could've picked the purse up and used it? Just saying. We need more medical students in the world and less keyboard warriors.

Sorry for delay in replying. Yep, thanks Emmzzi, I hear what you're saying. It's kinda my fault for allowing the situation to grow over the years - being a little "too" available, hoping to curry favour for the times when I messed up. Naive of me really. It's business, not friends. Every man for himself. Only useful whilst useful to the business - when no longer useful all extra hours, favours, help and shoulders to cry on are forgotten. Discarded quicker than a used condom. The situation has resolved itself. Thanks for all replies.

Thanks. Nope, nothing in contract about being available to receive communications outside of working hours. (IE/ days off).

Hi, sometimes yes. I'm not unreasonable - of course I understand last minute changes to rota based on illness/unforseens etc. However not EVERY day! And it's the phone calls I resent. I don't mind messaging, because I can look and respond in my own time. With phone calls it's the immediacy and arrogant expectation of immediate pick-up as if I have no life except to sit by the phone like that old dog from His Masters Voice HMV! (Showing my age there!)

Not the biggest issue in the world, granted. However it is really starting to grind my gears and I wondered what the actual legal position is: Briefly: I am contracted to work 3 days per week. Any three days, any shift. It is a lowly, barely minimum wage job. I enjoy it, largely. My immediate manager has taken to telephoning me everyday. I set my phone to "divert" when I'm on a day off. This will result in a voice-mail message to call him back. If this is ignored, then the dreaded "work whatsapp group" fires up with "XXXX call me back please!" If THIS is also ignored, then the emails begin. I wouldn't mind if I was "on-call" 24/7 as a requirement of the job and remunerated accordingly. Nor would I mind if I was senior management who needed to action issues as and when they occurred. However, I'm neither. I'm a simple canon-fodder role and am starting to feel resentful of this daily intrusion which is leaving me feeling like I'm permanently "on" and thinking about work, waiting for the inevitable contact. He's paid to be a manager.... SO MANAGE!!!!!! Only call me on my days off it's an emergency or your house is literally on fire! Is there any legal view on this - obviously I don't want to cause bad feeling, but even less so if I'm in the wrong!!! All thoughts welcome, or if further clarification needed.

Thanks for advice. Much appreciated.

Hello again Consumer Action Forum! Not sure this is the correct forum to place on, so feel free to move. I've been given a (relative to me) large amount of silver bullion and I need to sell it to help service my debts, (see my previous thread!) However, when my friend bought it they had to pay 20% VAT as silver is not CGT exempt, unlike gold. So the price they paid originally was slightly above spot price+ 20% VAT. Now to sell it, it would be slightly below the spot price so a loss anyway, but when you add on the 20% VAT originally paid it's a MASSIVE loss. Question - is there anyway I can sell and add the VAT back on to the buyer in the same way my friend had to pay when they bought it, so at least we break even?

Thanks @Andyorch - that's the perfect explanation I was after! I'm a renter, so the home-owner stuff won't apply. However it's good to see an overview of all the options. I feel more confident now to decide which option is best for me going forward. Thanks again. (Feel free to close thread now I've got all the info I asked for)

It's pretty much all done online now. I know mine was. They had a box for me to tick saying "electronic signature", so I imagine that covers them in proving I have "signed" and accepted their T&Cs.

"Pure Crap!" I see you never completed your charm school course then! They may be crap to you, but I'm trying to learn, so would appreciate a less arrogant and dismissive tone please. Could someone answer this question for me please, If I simply go "radio silent", then I guess I will eventually receive a letter of claim. I would not have any grounds to defend it. I owe the money fair & square. When it goes to court and Halifax win judgement because there's no errors in paperwork, debt is duly owed, etc. What happens then? Do I have to enter a payment plan based on my realistic I&E, do I get a CCJ? What happens if I then refuse to pay? Would bailiffs eventually become involved? I'm just trying to look ahead at the potential endgame of all this options. Thanks.

I beg to differ. Based on the information given, it is 100% fraudulent activity on Amazon platform AND on the bank account honouring these unauthorized DD's I'd be interested in hearing DX100UK's reasons for being so confident it isn't that he felt the need to shout with capitals?