Thanks for advice antone. I'll pass on advice and she can tell them tuesday.

Thanks for the advice...so to clarify she has to declare the money...but since it's only £3.250 she won't have anything stopped from her benefits?

A friend of mine is on esa (income related) and she has just been awarded £1.000 settlement for an accident claim....Does she need to tell the benefits agency about this and will it affect her benefit...they is another £2.250 comingin 3 weeks time as well.

Yeah all the certificates are up to date, right up until next month...checked bank saturday and still they was no payment.

I have just started claiming esa from 28th march, after along wait processing it they have finally payed me a giro for backdated money from the 28th march to 7th may, this was payed on the 9th may...since then i have recieved no money. i have tried phoning up but no one seems to able to tell me whats going on....just wondered does anyone know when you usually get payed after being backdated?

I thought it was meant to be on too. wonder why it isn't?

I've been speaking to them too over Lowells, they told me that's who this programme is about. I sent them a few documents, they was really interested in the contract Lowell sent me..... Hope they give it to lowell...think they are doing another follow up as well as he asked me if i could be filmed today...but i had to decline, he said he'd call me back to arrange another time to film.

Hello...I had a debt with Britannia who sent the debt to commercial credit, i was paying them £2.00 per month, in september of last year they sent the debt back to Britannia.... I found this out today, the problem is i've been paying them every month since july last year, but they say they haven't recieved any payments since august and then they sent it back to britannia.... The actual balance i owe is £19.56, Commercial Credit sent it back to britannia at a total of £34.56. So does anybody know what i should do, They did give me a phone number to ring for britannia but i can't get through on it.

Yes i did send the letter...I got a letter back saying they was putting account on hold...so i'm guessing the CCa they sent is not enforcable, I'msending a copy to Watchdog as they also want to take a look at it.

This is the CCA lowell sent...so can someone tell me if this is enforciable i'm guessing it isn't? http://i647.photobucket.com/albums/uu198/Epitaph13_2009/Page1edit.jpg http://i647.photobucket.com/albums/uu198/Epitaph13_2009/P4200004.jpg http://i647.photobucket.com/albums/uu198/Epitaph13_2009/P4200005.jpg http://i647.photobucket.com/albums/uu198/Epitaph13_2009/P4200007.jpg http://i647.photobucket.com/albums/uu198/Epitaph13_2009/P4200008.jpg http://i647.photobucket.com/albums/uu198/Epitaph13_2009/P4200009.jpg http://i647.photobucket.com/albums/uu198/Epitaph13_2009/P4200010.jpg http://i647.photobucket.com/albums/uu198/Epitaph13_2009/P4200012.jpg

Just to let everyone know a little thing i found out today...that watchdog are currently filming an update on Lowell again, seems like they've had even more complaints since the last time they was on the show...I myself am sending a suppossed contract that Lowell sent me to watchdog.... Lets hope watchdog can get these people kicked into touch.... if your having problems with Lowell i'd contact Watchdog if you haven't done so already.

Just a little update...Lowells rang me today, i told them the contract they sent wasn't signed, They said ok we'll put your account on hold and ask halifax to send us a signed contract.

Just to answer this question...It says it's for an Aqua mastercard...but that aside i have no idea what's it's for as i've never had any dealing with Aqua or Halifax...I have only ever had three credit cards in my life, a marbles, a littlewoods and a captial one card.

To answer all your question and thanks for all the replys.... On the 1st page it says it's for an aqua mastercard...It says the Cardholder's full name..this is all in printed form... On the 2nd page it says under aheading PARTIES it says the parties to this agreement are Halifax and then my name all printed Then finally on one of the pages it says your signature..but that's blank. credit limit terms (not sure), repayment terms (No) percentage rates (yes they all say N/A) cancellation rights (yes) It does have a bit where it says The total charge for credit is £206.69 consisting of £196.69 interest....Thisis based on credit of £1.500 being borrowed at the start of the agreement and repaid in monthly installements....sound more like a loan tome lol. On tuesday a friend of mine is going to try uploading via digitalcamera...so hope that works then you can take a better look. Thanks for all the help

No i don't have a digital camera...but i wouldn't have to remove any details they aren't any lol....I thought they had to be signatures on it to make it legal...I will try to find a way to scan them in.