blacksheep1979 - yep, was living with the landlord, just renting a room. He does have a part time job, but is also studying so the income side is probably not far off. I'm just concerned that if I ask for full payment or say $100 a month, that based on the figures on his form, the judge would only make him pay what 'the form' says he can afford. The annoying thing is that he drives a flash car (although possibly his parents own it), has his own house etc. etc. I have a mouontain of debt, and could really do with the cash! How do you go about requesting the financial check?

Thanks karnevil...I will speak to payplan. As for it going back into repaying the debt I have no problem with that as the sooner I'm debt free, the better! Not sure of how much the charges amount to, so will do that first before I speak to payplan. Any other comments welcome. tc1000

Evening. I am very interested in claiming back charges from my bank, but I wanted to check whether you think in my situation it is advisable. Basically, I am currently repaying approx 70k of debt using Payplan. I'm about a year into repaying my debts and the majority of creditors are no longer charging interest etc. I'm concerned that if I request return of my bank charges and filed a claim via the courts that they would not be as willing to freeze interest payments anymore and could be worse off in the long run. What do you think? Many thanks tc1000

Evening This is my first post on CAG and I'm hoping that someone could offer me some advice with a claim I am making to have my deposit returned to me from my previous landlord. Quick history: I rented a room for 8 months, and at the start of the rental, I paid the landlord $500 (NB that is pounds sterling, not dollars - computer is playing up on me!). Anyway, I decided to find a new place, gave notice etc. and moved on, all fairly amicably (or so I thought). At the time I moved, I requested that he returned my deposit and followed up with a couple of letters, emails, calls etc. which lead me to pursue a claim via HMCS Money Claim. The landlord did not respond so judgement was made, and I have issued a warrant to have the judgement enforced. The landlord has now completed an application for suspension of a warrant (N245) requesting to the return the monies at $50 per month. I really wanted to get some advice before I respond to the application. I have the option to: [a] Accept the offer Ask for a different amount or total amount by a specific date [c] Reject the offer and request the bailiff to proceed with the warrant Primarily I would like my money back ASAP as the matter has been going for some months now and I'm concerned that he will not keep up to the repayments if I agree to them and will therefore need to spend more time applying pressure via the courts. I'm also concerned that if he moves that I may not get back all of the money and when I was renting a room he did mention that he wanted to move to the States. The N245 has been poorly completed by the landlord and is difficult for me to ascertain whether his offer is reasonable. Details of the form: Section 3 Employment: [1] Has not ticked any of the 4 boxes, but has completed a name of an agency in the "employed as a" box. [2] Has ticked "I am not in arrears with my national insurance" Section 4 states he has a bank account that is o/d by $750 Section 5 states he lives in his own property Section 6 states: ”Take home pay = £80 per week Other Income = £400 per month Total = £720” (actual total would be £746.67 if you convert the weekly amount correctly) Section 7 states (all monthly): Mortgage = £280 Council Tax = £110 Electricity = £40 Water charges = £12 TV rental/licence = £12 Housekeeping, food, school meals = £40 Travelling expenses = £50 Total = £544 Section 8 (priority debts for arrears only) all amounts noted as monthly: Mortgage arrears = £550 (noted one month only) Council tax arrears = £220 (noted one month only) Electricity = £50 Others = £75 (noted HSBC Student loan and HSBC o/d £2000 and Barclays Loan) Total = £945 (noted £125 exc. Mortgage and Council Tax) I’m not sure how the figure of £945 is calculated as I make it £895 Section 9 is blank Section 10 (Credit Debits) details: B’card = £25 Halifax o/d = £40 Citicard Visa = £25 (no frequency is provided) In the section “Of the payments above, I am behind with payments to” he has put Accucard Visa = £10wk (I don’t see this listed above) On the form it suggests that if you take away sections 7, 8 and 9 and the payments being made from 10 from the total in section 6, it will give an idea of the sort of sum you should offer… If you do this literally you end up with a negative number! So, I have assumed that section 8 is £125 as per his note, and have ignored the £10 wk accucard visa amount from section 10. That comes to a value of £34.33 Based on the above and my concerns, WHAT WOULD YOU DO? Many thanks tc1000