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About sleepz

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  1. Hi there. I had a wage arrestment served a couple of months ago however my employer never received a copy so obviosuly didn't pay anything. Now my employer is getting harrassing letters and emails about it, threatening to sue for the total amount. I've spoken to the company who said they sent it recorded delivery and it was signed for by someone I don't know (It's a large shared building), so we never received it. They're asking my employer to pay the backdated, overdue amount ... but I don't see how they can be held liable since we never received it in the first place. Anyone
  2. Unsecured debts of around £22k. Done quite a bit of research, as far as the wage arrestment, when I spoke with the trust deed people they said they would apply for one and ask for the wage arrestment to be lifted. It would be in their interest to do this, as if the trust deed was a no go then the only other option would be bankrupcy which would also lift the wage arrestment. Im going to see them tonight so I'll let you know what they say. I only spoke to them before on the phone, so I will know more tonight. Thanks.
  3. Just spoke to TrustdeedScotland again and they say I've to just go ahead and try and arrange the Trust Deed, if they refuse to lift the wage arrestment, then the best option is to just file for bankrupcy
  4. Hi there. In the past month or so, I finally decided to get on top of my debts, I've been in talks with Trustdeedscotland to try and get a trust deed set up so have been informing my creditors of this, in order to get a proper list of the debts I have. Now, however, I have received a letter saying that my wages have been arrested from one of those creditors (RBS). Im kind of at a loss as to what to do now. I had planned, in my mind, that putting £200 - £250 per month into a trust deed would be enough to keep (all of my) creditors happy, so that is what I have budgeted for in my mind.
  5. addenum ... In the email today, I asked for an explanation of the charges, and asked for copies of the receipts for the work. I know the new tenant moved in 3 days after we left, 'because I had to show him around the flat when he was viewing and he called me to say "thanks" on the day he moved in.
  6. Howdy. After 6 weeks of waiting, I finally received my deposit cheque today. I have a couple of concerns about some of the charges the LL has applied. Firstly, it's in Scotland, so there is no Protection Scheme. The deposit was £695, of which I received £353 back. This doesn't sound like a big deal, but we spent a lot of money before we left replacing cushions, cabinets, doors and decorating. We lived there for about 2 years, never had any arrears or anything like that. The charges applied are : Carpet Cleaning : £79 Cleaning : £88 Door lock and Washing Machine repair :
  7. Howdy folks. Not sure what this is about as I havn't called them back, but someone called my work last night and left a message on the answering machine (Our office was closed), stating "Buchanan Clark and Wells" and something about "Sheriff Officers", with a number to call back. They didn't specify it was for me on the message so our receptionist called them back this morning, only to be told they're looking for me. Is this a violation of the Data Protection act?, surely they can't just go telling my work collegues that I've got a Sherriffs officer looking for me?
  8. Got a standard response. "I am sorry that you have decided to contact us about your concerns ... I note from your account that the loan and the insurance was sold to you by a broker, Central Capital ltd, and therefor we are unable to investigate the processes involved in the selling of the insurance policy. I have forwarded details of your concerns to the relevant team at Central Capital ltd and asked them to investigate in line with their current complaints procedures. Please be advised that your correspondence regarding undisclosed commission has been forwarded to our l
  9. Sorry, reading that back, it comes across as a bit snappy. Can you give us more information on what you've done to date to get that reply, also what reasons did you give them that you thought the PPI was mis-sold. Give us as much info' as possible (without going into personal details) and we'll help you out, that post isn't really detailed enough for us to give you reasonable advice.
  10. Yeah. The fact the you agreed to the PPI isn't really the case, as obviously you would have had to accept it before you can reclaim it. The issue is with the way it was sold to you. Have you sent off a Subject Access Request? The thing to remember here, and I say this a lot ... This isn't a get rich quick scheme. Im not gonna go on a moral crusade here, but the issue with mis-sold PPI is that it was mis-sold, it's not enough to just say, "Well everyone else is doing it, I might as well do it, it's money for nothing". Im not saying that's what your doing, it's just an observ
  11. It really depends on your cicumstances. If your credit card has been cancelled, or has been sent to a collection agency then they are allowed to use any rebate to pay off the balance, or pay off a portion of the balance. If your credit card is still active / not been defaulted, then they are permitted to take the amount for any missed payments, or late payments. If you have no missed payments, and your card is still active then they are not permitted to use any of the rebate to pay off any owed money. To quote Johnnymitch from another post " "The debt must be due and payable.
  12. Yeah, it's not too bad at all. All you really need to do is write a couple of letters, and there's templates on this site for most of those, you just need to edit them a bit to suit your circumstances. Once you've received your SAR, it will probably take a couple of hours to look though the contract and check what your claiming against isn't specifically mentioned in the papers they send you (ie if you were claiming that they didn't ask you about a pre-existing medical condition, and on the signed paperwork they send you, you have signed a box saying "I do not have any pre-existing medi
  13. Howdy Witsend' You should definately go for a reclaim. As long as you've never claimed on the policy this should be fine. The first thing you need to do is send off a Subject Access Request. A template for this can be found here : http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/118145-sar-ppi.html You'll need to include a cheque / postal order for £10. Also, be sure to send it recorded delivery. Once you've sent this off you'll have a couple of weeks before they respond. Once they do respond, you should have a big wad of papers and stateme
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